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Job Summary
To analyse alternative investments, primarily medium term debt securities that enables decision making & provides a sound basis for recommendation formulation.Job Description
Debt Structuring & Financial Analysis
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.
Working Hours & Professional Commitment
This role operates within an Investment Banking Division environment and requires flexibility beyond standard office hours.
Working hours are deal-driven and may extend beyond an 8:00–5:00 schedule to meet transaction deadlines, credit committee timelines, and execution requirements.
Availability during peak execution periods, transaction closings, and critical portfolio events is an essential requirement of the role.
Key Skills & Competencies
Advanced debt structuring and financial modelling expertise
Strong credit analysis, covenant design, and monitoring capability
Deep understanding of debt documentation, security, and execution mechanics
Strong risk governance and control mindset
High numerical accuracy and attention to detail
Ability to manage complex transactions and portfolios under pressure
Education
Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)Similar Jobs
What We Do
Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise growth on the African continent and beyond.
We’re a truly African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in China, Namibia, Nigeria and the United States, as well as securities entities in the United Kingdom and the United States, along with technology support colleagues in the Czech Republic.
