Job Description\u00a0\u00a0 \u00a0<\/p>\n
\tThe role is responsible for the origination and structuring of complex credit transactions across various sectors, e.g. infrastructure, sovereign, sub-sovereign, public sector projects for investment considerations in South Africa, the Rest of Africa and High Impact. This role is instrumental in ensuring that new transactions align with the DBSA\u2019s mandate, risk appetite and strategic objectives. Applying technical and commercial expertise, and legal knowledge, the role supports decision-making by appraising new transactions, through conducting due diligence, credit assessment of financial and non-financial risks, financial modelling and well-structured credit risk mitigation strategies. This role interacts closely with the Business teams and various Sector and Country Specialists in the origination process.<\/p>\n
Key Responsibilities\u00a0\u00a0 \u00a0
\nDeal Origination and Structuring<\/p>\n
\tTake charge of the origination of complex credit transactions from a pipeline of potential projects sourced by the Business teams, assessing transactions against the Bank\u2019s risk appetite.
\n\tAppraise, structure transactions to optimise risk-adjusted returns whilst achieving development impact.
\n\tIn conjunction with the business teams, engage internally with project teams and externally with borrowers, government entities, project sponsors, and other key risk-transfer \/ credit enhancing stakeholders to assess optimal financing needs and develop tailored solutions.
\n\tProvide credit advisory at inception, deal screening or early review stages for indicative quantification of credit.
\n\tServe as a key member of the project team during appraisal stage, deal implementation and financial close stages in pursuit of achieving the Bank\u2019s key corporate and strategic objectives.
\n\tServe as a key member of the project team to develop innovative risk mitigation structures (e.g. blended finance instruments, sustainable finance instruments, credit enhanced structures)
\n\tServe as a subject matter expert on credit and credit-related matters for special projects or in pursuit of establishing new product lines and appropriate forms of credit risk mitigation strategies.<\/p>\n
Credit Assessment, Financial Analysis and Risk Mitigation<\/p>\n
\tUndertake in-depth credit and financial analysis and due diligence on prospective transactions.
\n\tIdentify, mitigate and manage key quantitative and qualitative risks facing a prospective transaction.
\n\tApply and\/or review credit rating methodologies aligned to underlying transaction structures to ensure that the credit profile is adequately encapsulated the risk-adjusted returns per policies.
\n\tContribute to due diligence activities, where required, including site visits, stakeholder interviews and due diligence data collection and synthesis.
\n\tCollaborate with business, legal, technical and ESG teams to ensure comprehensive transaction evaluation.
\n\tPrepare and\/or review investment memos for new appraisals that succinctly communicates the overall credit opinion and recommended terms and conditions of the prospective transactions.
\n\tUndertake in-depth financial and cash-flow analysis of portfolio companies, evaluating performance against initial projections and market benchmarks
\n\tReview portfolio performance reports, incorporating peer comparisons, sectors developments, and macroeconomic conditions affecting the Bank
\n\tAssess amendments to credit terms and provides recommendations for restructuring, covenant waivers, or rescheduling proposals as required.
\n\tConduct scenario analysis and stress testing on key exposures, feeding insights into credit risk appetite and capital allocation decisions.
\n\tSupport efforts to enhance risk-adjusted return through innovative solutioning of the prospective deal flow.<\/p>\n
Portfolio Integration<\/p>\n
\tFacilitate seamless transition of approved transactions into portfolio management.
\n\tMonitor early-stage performance, facility and\/or covenant compliance during onboarding of new clients.
\n\tProvide feedback to portfolio, origination and risk teams on original learnings and risk signals.
\n\tMaintain credit-related compliance with internal policies, regulatory standards, and investment mandates across all geographies.
\n\tMaintain up-to-date credit ratings and internal loan classifications of new transactions, where required, prior to transition into portfolio management.
\n\tParticipate in the maintenance and improvement of the credit value chain, identifying process inefficiencies and supporting enhancements to credit systems.<\/p>\n
Strategic Engagement and Governance<\/p>\n
\tLiaise with teams to ensure seamless handover and continuous oversight of transactions post-disbursement.
\n\tSupport governance reporting by contributing to reports for Board committees, EXCO, and relevant committees.
\n\tContribute to policy development and implementation of credit related frameworks and guidelines.
\n\tParticipate in the refinement of origination frameworks, credit templates and investment guidelines.
\n\tAssist with audits by preparing necessary reports and documentation in line with best practice and standards.<\/p>\n
Financial Modelling and Analysis<\/p>\n
\tBuild and\/or review and challenge model assumptions in financial models for prospective transactions.
\n\tConduct cash flow analysis, stress testing, and scenario analysis to test financial viability and draw conclusions \/ make recommendations to mitigate financial risks identified.
\n\tReview financial compliance of key financial terms and\/or recommend and implement credit risk mitigants (e.g. conditions, covenants, collateral, guarantees), as required.
\n\tPerform peer benchmarking and sectoral credit comparisons in order to provide valuable insights for the review of the financial modelling assessment.<\/p>\n
Stakeholder Management and Problem-Solving<\/p>\n
\tCollaborate effectively with stakeholders to achieve common goals, facilitating open and clear communication.
\n\tActively listen, share information, and foster a cooperative environment that encourages diverse perspectives and collective problem-solving.<\/p>\n
People Management<\/p>\n
\tLead and develop team members by setting clear objectives, providing constructive feedback, and fostering a supportive and collaborative work environment.
\n\tRecognising individual strengths, facilitating professional growth, and aligning team efforts with organisational goals to enhance overall performance and engagement.
\n\tProvide technical assistance and mentorship to credit analysts.
\n\tFacilitate training and capacity building within the team on origination, quantitative and qualitative credit assessments, credit tools, and evolving credit practices.<\/p>\n
Reporting and Monitoring<\/p>\n
Stay abreast of sector and country intelligence relevant to credit origination activities.<\/p>\n
\tProduce accurate, insightful reports that express key financial and non-financial metrics and analysis to support credit opinions for decision-making.
\n\tAnalyse data to identify trends, inform strategic decisions, and provide stakeholders with clear, actionable information that supports ongoing performance improvement and accountability.
\n\tUtilise appropriate technologies and tools to enhance reporting efficiency and clarity, while also safeguarding the confidentiality and sensitivity of the information included.
\n\tMaintain high standards of accuracy and timeliness to deliver reports that are timely, relevant and precise.<\/p>\n
Key measurement of output:<\/p>\n
\tPercentage and number of credit memos for appraisals completed on time and in line with internal standards.
\n\tPrecision of internal credit ratings aligned with appropriate model methodologies and validated through backtesting or audit reviews.
\n\tTimely identification of early warning indicators, escalated and actioned for new transactions in appraisal or deal implementation stage.
\n\tNumber of breaches identified and resolved and compliance rate for new facility agreements being onboarded.
\n\tAverage time taken to complete normal urgent risk assessment and recommend amendments or waivers.
\n\tQuality of financial models built or reviewed, stakeholder feedback on model accuracy and usefulness for decision-making.
\n\tPercentage of reports submitted on time with no material errors; percentage of submissions deferred as a result of substandard quality.
\n\tFeedback from internal and external stakeholders on quality, communication, responsiveness, and problemsolving support.<\/p>\n
Expertise & Technical Competencies\u00a0\u00a0 \u00a0
\nQualifications<\/p>\n
\tPostgraduate degree in Economics, Finance, Accounting, Business Administration or Risk Management or related field.<\/p>\n
Experience<\/p>\n
\tMinimum 10 years of experience in credit risk analysis, portfolio monitoring, or financial analysis within a wholesale\/investment banking or development finance environment.
\n\tDemonstrated in credit assessments, financial modelling and analysis across South Africa and the African markets.
\n\tStrong capabilities in financial modelling and transaction structuring.
\n\tProven ability in negotiations and stakeholder management.
\n\tStrategic thinker with a strong ability to assess and interpret complex transactions.
\n\tUnderstanding of ESG principles, sustainable finance and blended finance frameworks.
\n\tAdvanced credit analysis, reasoning and credit writing skills.
\n\tHigh proficiency in using credit systems, risk management tools and financial analysis platforms.
\n\tSound knowledge of credit risk management principles and frameworks.
\n\tDemonstrated knowledge of loan lifecycle and credit value chain processes.<\/p>\n
Desirable Requirements<\/p>\n
\tProfessional certification in Financial Risk Management, Chartered Financial Analysis or CA (SA) or equivalent.
\n\tStrong understanding and experience of sovereign risk, infrastructure finance, and public sector lending.
\n\tExperience in working on bilateral, club or syndicated transactions with multilateral institutions, investment banks, government agencies and private sector sponsors in infrastructure.<\/p>\n
Deadline:11th November,2025<\/p>\n
go to method of application \u00bb<\/p>\n
Apply via company website ( http:\/\/www.dbsa.org ) or<\/p>\n
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