Debt Analyst

To analyse alternative investments, primarily medium term debt securities that enables decision making & provides a sound basis for recommendation formulation.

• Lead detailed structuring of Debt and CAF transactions, ensuring alignment between credit risk, cash flows, security packages, covenants, and repayment profiles.

• Develop, review, and challenge financial models, including base, downside, and stress scenarios to assess debt capacity, structural resilience, and downside protection.

• Analyse transaction risks and design structural mitigants such as amortisation profiles, reserve accounts, pricing, covenants, and security enhancements.

• Review and validate financial assumptions, projections, and sensitivity analyses to ensure credit robustness.

• Provide technical leadership on credit submissions, ensuring clarity, consistency, and alignment with approved risk appetite.

• Support Coverage teams with structuring expertise during credit committees and client engagements.

• Deal Execution, Debt Administration & Controls

• Lead post-credit approval execution including Conditions Precedent (CPs), documentation, security perfection, and internal system set-up.

• Drive transactions from sanction through first and subsequent disbursements, ensuring accuracy, timeliness, and a complete audit trail.

• Maintain comprehensive CP, security, and disbursement tracking logs, proactively resolving execution gaps.

• Ensure accurate booking of facilities, drawdowns, repayments, interest, and fees, working closely with Operations to maintain Straight-Through Processing (STP).

• Review deal numbers, repayment schedules, and cash flow application to prevent income leakage and operational errors.

• Ensure strict adherence to approved credit terms and conditions throughout execution.

• Portfolio Monitoring & Post-Disbursement Management

• Monitor compliance with financial and non-financial covenants, including independent calculation, validation, and escalation of breaches.

• Track client exposures against approved limits and ensure prompt remediation of excesses.

• Review periodic financial information and assess impacts on credit quality, structure integrity, and risk profile.

• Lead or support remediation strategies including waivers, restructures, amendments, and enhanced monitoring.

• Maintain portfolio dashboards, early warning indicators, and risk monitoring reports.

• Risk Governance, Controls & Assurance

• Actively uphold and embed the Enterprise-Wide Risk Management Framework across all transactions and portfolio activities.

• Identify, assess, document, and mitigate transaction-level and portfolio-level risks, including operational, credit, legal, and compliance risks.

• Ensure all deals comply with internal policies, regulatory requirements, and delegated authorities.

• Support internal and external audits, regulatory reviews, and risk assessments by providing timely, accurate assurance evidence.

• Maintain strong governance discipline through accurate documentation, issue tracking, and escalation.

• Proactively challenge structures, assumptions, and execution approaches that fall outside risk appetite.

• Stakeholder Management & Team Contribution

• Build strong, effective working relationships with Credit, Legal, Compliance, Operations, Product, and Group Debt teams.

• Provide technical guidance and coaching to junior team members on structuring, analysis, execution, and risk discipline.

• Contribute to training initiatives for Coverage teams on debt structures, covenants, and portfolio monitoring standards.

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)