Credit Analyst

Role Purpose

The role of the Credit Analyst is to provide analysis and recommendations on potential credit investments as an input into the fixed income portfolio management process.

Requirements

Duties & Responsibilities

• Keep abreast of the external environment in which the segment operates in.
• Complete competitor analysis to assess the strengths and weaknesses of issuers.
• Analyse investment portfolios and financial instruments based on the outcomes and requirements of investment mandates and business requirements.
• Projects short- and long-term values of credit instruments and counterparties compared with historical valuations.
• Provide research, analysis and insight to recommend approaches on the construction and management of portfolios.
• Using ongoing research make recommendations regarding the appropriate improvements on solutions to ensure market dynamics are considered and effectively applied.
• Custodian of the fixed income team credit process and philosophy.
• Analysis of individual credit quality of borrowers in the fixed income team’s investable universe.
• Compile analyst reports with exposure recommendations on credit quality on a probability of default perspective.
• Generate internal credit ratings for issuers in the investable universe.
• Determine the fair value spread required before investing.
• Lead the view on credit quality and pricing prior to exposure taken.
• Reporting generation & report to the various governance committees.
• Contributing to the fixed income credit view in the TAA process.
• Building and enhancing the credit research process.
• Generating new credit opportunities for implementation in portfolios.
• Regular engagement with management teams as part of our ESG process.
• Custodian of the credit watch list and regular updates and reviews of existing credit exposures.
• Represent fixed income and credit team at various committees.
• Making credit exposure calls independent of outside influence.
• Building and evaluating credit risk and attribution models for fixed income portfolios.
• Build a credible profile in the market.
• Pro-actively support and work with other areas with a spirit of teamwork and shared accountability.

Best practice service delivery of your functional area

• Build and maintain relationships with clients and stakeholders.
• Contribute to sustaining a competitive edge through external networking and benchmarking and representation on related forums.
• Engage with key stakeholders to identify changing client needs and make recommendations to align service offering with client needs.
• Contribute to a client service excellence culture which builds enduring relationships and allows team to provide exceptional client service.
• Drive efforts to improve client service and fair treatment of fixed income clients.
• Incorporate client feedback into the enhancement of daily business processes and management operating systems.
• Participate and contribute to a culture which builds rewarding relationships, facilitates feedback and provides exceptional client service.
• Form part of a high-performing and future-fit team dedicated to Momentum Investments and Fixed Income, fostering a culture of excellence, ethical conduct, and continuous learning.
• Drive innovation, collaboration and performance excellence within the team to achieve business objectives.

Competencies