STCF Analyst

## STCF Analyst Apply locations:
Sandtontime type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
July 15, 2026 (5 days left to apply) job requisition :
R-###
** Empowering Africa’s tomorrow, together...one story at a time.
** With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
** Job Summary
** The STCF Analyst in the Structured Trade & Commodity Finance (STCF) team is responsible for the end-to-end post-origination management of facilities. The role exists to ensure all ongoing administration, compliance, and risk-monitoring tasks for approved facilities are executed efficiently and in line with policy. Each Facility Manager oversees facilities within a specific portfolio, under the guidance of the Desk Head, to maintain credit quality and operational rigor across the portfolio.

The STCF Analyst serves as the key point of contact for internal stakeholders and service providers on all matters related to the maintenance and performance of these credit facilities.
Suited to a candidate with bachelor’s degree in finance, Business, Economics or a related field is with minimum 5 years’ experience in the Agri sector.

Experience with client management, operational risk management, financial controls, etc would be an advantage.
A minimum of five years’ experience in banking, credit risk, and operational management is required.
Technical

Skills:

A sound foundational understanding of financial analysis and core credit risk principles.  The candidate should demonstrate the ability to interpret financial statements, with exposure to or a willingness to develop skills in financial spreading.  A solid working knowledge of loan and facility documentation, including covenants and conditions precedent and subsequent, is required to ensure adherence to legal and credit terms.  

Experience with or exposure to internal banking systems used for facility monitoring (e.g. workflow tools and covenant tracking systems) will be advantageous; training on specific internal platforms will be provided where necessary.
** Job Description
**** Annual Reviews & Compliance:
** Ensure timely completion of all annual facility reviews for each counter party and facility, preparing the required review documentation and analysis before the facility’s expiry. This includes spreading financial statements and running risk models (pricing, EAD/LGD) for each review, and confirming that all credit conditions and covenants from the original approval are identified and accurately reflected in the documentation.
* Outcome:
* All annual review papers and credit renewals are completed on schedule with comprehensive financial analysis, preventing any lapse that could impact risk ratings or compliance.
** Due Diligence & Documentation:
** Conduct thorough ongoing due diligence and risk analysis on clients and facilities. This involves reviewing industry/sector information, insurance and collateral details, and any new developments that could affect the facility’s risk profile. Assist in preparing or independently writing required risk reports and specialist documents – such as credit memos, justification letters, or transaction approval documents – to support credit decisions and monitoring.
** Covenant Monitoring & Service Provider Management:*
* ** Accurately track and manage all facility conditions, covenants, and collateral requirements throughout the life of each deal.
** Map every credit requirement from approval to the facility agreement to ensure all CP’s are covered in the facility agreement. Maintain up-to-date records of covenant compliance, condition subsequent fulfillment, and any triggers or limits, updating internal systems (e.g. monitoring tools) on a weekly/monthly basis.

Manage third-party service providers related to the facility (such as collateral managers, storage providers, insurance brokers, etc.): oversee the timely onboarding of new service providers by completing all required risk and compliance…