Credit Analyst

at  Momentum Investments

INTRODUCTION

Through Momentum, and our other specialist brands, the group enables business and people from all walks of life to achieve their financial goals and life aspirations.
We help people grow their savings, protect what matters to them and invest for the future. We help companies and organisations care for and reward their employees and members. Through our own network of advisers or via independent brokers and utilising new platforms Momentum Group provides practical financial solutions for people, communities and businesses.

REQUIREMENTS

• Degree in Accounting or Finance or other relevant discipline.
• CA or CFA / working towards CFA (advantage).
• 5+ years relevant experience in an asset management, corporate investment banking or auditing environment.
• Financial Statement Analysis.
• Stakeholder management, analytical, influencing skills.

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.

KEY 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.