DEVELOPMENT BANK OF SOUTHERN AFRICA (DBSA) VACANCIES

DEVELOPMENT BANK OF SOUTHERN AFRICA (DBSA)

SENIOR INVESTMENT OFFICER (GREEN FUND)

Details
Closing Date 2025/11/20
Reference Number DBS251106-1
Job Title Senior Investment Officer (Green Fund)
Job Grade 16
Job Type Classification Permanent
Location - Town / City Midrand
Location - Province Gauteng
Location - Country South Africa

Job Profile (Downloadable)
Job profile Senior Investment Officer (Green Fund) Permanent Nov 2025.pdf (0.74 Mb) - 11/6/2025 1:12:11 PM

Job Description
Reporting to the Head Climate and Environmental Finance, the role of the Senior Investment Officer will be the screening, appraisal, analysis and assessment of all Green Fund project proposals. The role also includes post investment management of projects, which includes re-scoping of projects that are not performing according to expectations.

Key Responsibilities
Technical outputs.
1. Appraisal of the investment and non-investment proposals (early stage screening and due diligence.
2. Preparing and appraising reports for submission to the investment manager.
3. Credit risk analysis (for loans) and performing detailed analysis of investment opportunities including commercial analysis, financial modelling and analysis and institutional analysis.
4. Negotiating term sheets with clients
5. Overseeing disbursements to projects as well as monitoring the progress of post-investment
6. Ensuring deal closure by taking responsibility for optimal financial, institutional and legal structuring
7. Advise the fund on project screening and assessment criteria
8. Liaise with DBSA stakeholders
9. Undertake tasks as determined by the investment manager from time to time.

Key Measures of Outputs
1. Quality of input into project appraisal reports
2. Optimal financial, institutional and legal structuring
3. Consistency in monitoring the progress of post-investment activities
Key Internal Liaison Relationships
1. Project Preparation
2. IDKC Manco and Board
3. Green Fund ManCom
Key External Liaison Relationships
1. Green Fund Clients
2. Department of Environmental Affairs
3. Various Government Departments

Expertise & Technical Competencies
Minimum Requirements:
1. An Honours degree in Finance, Business, Accounting, Engineering, or Economics.
2. A post-graduate qualification such as a CA, CFA or MBA would be a strong advantage.
3. Previous Investment management experience in green or climate related environment will be an advantage.
4. Minimum of 5 to 7 years’ experience in appraising, negotiating and closing Project Finance, Corporate Finance, or Structured Finance transactions in a financial institution.
5. Experience in successful investment, appraisal, analysis and implementation is required.
6. Experience in using Financial models.

Technical Competencies:
1. Written & Verbal Communication
a. Is relied on by others to help them write complex technical and non-technical documents and briefs.
b. Is able to determine which aspects of this knowledge area need to be transferred to others in order to achieve organisational goals.
c. Able to communicate complex problems or concepts, by making them simple and understandable for others.
d. Adapts language to the level of the audience in order to ensure that the message has a positive impact and is interesting to the audience.

2. Financial Analysis
a. Develops and maintains effective working relationships with regulated industries, government officials, administrators, and civic leaders.
b. Serves as subject matter expert and leads work teams for more complex issues.
c. Evaluates and determines fiscal, operational, and service impacts; analyzes and evaluates legislation; and implements and evaluates statistical models in their subject areas.

3. Business Acumen
a. Develops and establishes broad scale, longer-term objectives, goals or projects (e.g., affecting a business, department, or organisation).
b. Takes actions to fit business strategy.
c. Assesses and links short-term tasks in the context of long-term business strategies or perspectives.

2. Strategic Planning
a. Establishes challenging, attainable goals and objectives based on a customer focus perspective.
b. Looks to the future with a broad perspective.
c. Ensures performances measures are in place to monitor progress and assess accomplishments and achievement of strategic goals and objectives.
d. Develops initiatives to achieve goals and objectives.

4. Investment / Deal Screening
a. Conducts project identification, conceptualisation and preliminary structuring of projects structuring and value preposition for DBSA.
b. Applies analytical skills to understand the technical, environmental, institutional, financial and legal components of projects to present a structure to prepare the project.
c. Understands the regulatory and policy environments and offers advice in preparing/structuring of projects.
d. Ability to analyse financial statements and conduct financial modelling.
e. Must be familiar with, and have the ability to negotiate complex financial transactions.
f. Strong credit and risk analysis skills.

Required Personal Attributes
Behavioural Competencies:
1. Teamwork and cooperation
a. Acts to promote a friendly climate and good morale, and resolves conflicts
b. Creates opportunities for cross-functional working.
c. Encourages others to network outside of their own team/department and learn from their experience.

2. Decisiveness
a. Makes timely decisions about complex issues even when some information is missing.
b. Makes decisions and stands by them even when they are controversial or unpopular.
c. Grasps critical business opportunities when they arise by making timely decisions.

3. Driving delivery of results
a. Identifies and implements a business opportunity that will have long term impact on the business.
Monitors progress and adapts the plan if necessary to ensure optimal benefit to the business.
b. Makes decisions, sets priorities, or chooses goals on the basis of inputs and outputs: makes explicit considerations of potential profit, return on investment, or cost benefit analysis.
c. Based on cost benefit analysis, makes decisions of entrepreneurial risk nature

4. Leading and Empowering Others
a. Identifies long-term goals for the team and communicates them to team members, ensuring their buy in.
b. Sets a good example by personally exercising desired behavior; acts on values and beliefs.
c. Communicates a vision for the team and future success that inspires team members.
d. After assessing others competence, one delegates full authority and responsibility to others to do the task in their own way.
e. Ensures that competent employees are given opportunities to further their careers.

5. Leading & Managing Change
a. Gives teams responsibility to analyse, impact and execute change and to sustain it independently
b. Anticipates the need for change when not obvious and influences others to gain support.
c. Builds sustainable business capacity to embrace and thrive change.

6. Strategic and Innovative Thinking
a. Creates new concepts that are not obvious to others, leveraging internal and external sources of information, to build incremental revenue and growth opportunities.
b. Understands connections and trade-offs of strategic choices to evaluate which ideas are practical and possible by considering business and/or scientific implications.
c. Develops innovative business and/or customer solutions that shape industry practices.

Policy
The Development Bank of Southern Africa will endeavor to make appointments in line with its Employment Equity Policy and Plan. Applications from suitably qualified designated groups, especially people with disabilities, are encouraged.
The DBSA corporate culture fit requires clear, logical and analytical thinking grounded in good interpersonal skills, a sense of urgency and results orientated execution of duties. The ability to work collaboratively and finding practical yet innovative solutions is critical to success in a work environment that demands emotional resilience, accountability and responsible risk taking and management.
The DBSA reserves the right to amend or remove vacancies in line with organisational requirements.
All vacancies can be viewed on the DBSA website (www.dbsa.org) under Careers.

PLEASE APPLY HERE

PRINCIPAL: STRATEGIC PORTFOLIO MANAGEMENT

Details
Closing Date 2025/11/19
Reference Number DBS251105-2
Job Title Principal: Strategic Portfolio Management
Job Grade 00
Job Type Classification Permanent
Location - Town / City Midrand
Location - Province Gauteng
Location - Country South Africa

Job Profile (Downloadable)
Draft_DBSA_Principal_Strategic_Portfolio_Management_Job_Profile_V4_20250825_(1).docx.pdf (275.09 kb) - 11/4/2025 10:38:28 AM

Job Description
The Principal: Strategic Portfolio Management plays a critical role in enhancing the DBSA’s ability to manage credit and enterprise-level risks across its investment portfolio. This role ensures that the credit and investment activities of the Bank are aligned with its strategic objectives, risk appetite, and developmental mandate. Operating at the intersection of portfolio analytics, enterprise risk strategy, and governance, the role supports the Chief Risk Officer (CRO) in promoting portfolio resilience, capital efficiency, and credit soundness.

Key Responsibilities
Key Performance Areas:
Formulate and Implement Enterprise Portfolio Risk Strategy

Design and implement a comprehensive framework for managing credit and portfolio risks, aligned with the
DBSA’s risk appetite and strategic objectives.
Translate enterprise risk strategy into portfolio-level credit risk policies, sectoral limits, and concentration controls.
Proactively identify emerging risks and credit trends that may impact the portfolio, including sectoral, regional, or borrower-specific vulnerabilities.
Advise the CRO and relevant committees on credit and portfolio risk trends, exposures, and strategic adjustments.

Strengthen Credit Portfolio Oversight and Monitoring

Monitor portfolio quality, credit exposures, and sectoral/geographic concentrations, ensuring alignment with theBank’s risk appetite.
Assess credit performance trends across the portfolio and recommend proactive mitigation actions (e.g. restructuring, provisioning, limit rebalancing).
Support the enhancement of credit risk rating systems and frameworks to improve portfolio risk sensitivity and credit loss forecasting.
Work closely with the Credit Risk team to ensure a consistent approach to credit origination, approval, and monitoring practices.

Lead Stress Testing and Scenario Analysis

Design and implement robust credit stress testing and scenario analysis frameworks to assess the portfolio’s resilience to macroeconomic shocks.
Integrate sectoral, regional, and borrower-level data to model the impact of adverse scenarios on credit quality and capital adequacy.
Collaborate with credit analysts and economists to refine scenario assumptions and calibrate risk parameters.
Present key findings and recommendations to the CRO, Executive Committee, and Risk/Board Committees.

Drive Enterprise Risk Planning and Analytics

Lead integrated risk planning processes that link credit and portfolio risk insights to business planning, capital allocation, and strategic initiatives.
Conduct portfolio risk-adjusted return analysis to inform resource deployment and funding decisions.
Identify structural and systemic risks in the investment portfolio, including environmental, social, and governance (ESG) risks.
Embed enterprise risk insights into pipeline reviews, investment committees, and strategic investment decisions.

Oversee Portfolio Analytics and Credit Risk Reporting

Direct the production of enterprise and credit risk reports for senior management, executive leadership, and governance committees.
Deliver credit risk reports that are comprehensive, timely, and provide actionable insights for decision-making.
Translate technical credit analytics into digestible content for non-technical audiences, including developmental risk considerations.
Build capacity within the team to improve the quality, accuracy, and interpretation of portfolio-level risk reports.

Develop Tools and Frameworks for Credit Portfolio Management

Lead the development of credit portfolio management tools, dashboards, and frameworks to improve risk visibility and proactive decision-making.
Drive the integration of tools with core systems (e.g. credit risk, loan monitoring, financial reporting platforms).
Introduce advanced credit portfolio management techniques such as exposure aggregation, limit optimization, and early warning systems.
Build institutional capabilities in credit risk modeling, loss forecasting, and data-driven decision-making.

Stakeholder Engagement

Build trusted relationships with internal and external stakeholders, including the credit, investment, legal, finance, and development impact teams.
Provide risk leadership in cross-functional forums and investment decision-making processes.
Represent the risk function in engagements with external stakeholders such as auditors, regulators, and rating agencies as needed.

Governance, Compliance, and Reporting

Uphold strong governance frameworks for credit and enterprise risk, ensuring compliance with internal policies, regulatory standards, and best practices.
Oversee timely and transparent reporting of portfolio credit exposures, risk trends, and risk-adjusted performance metrics.
Contribute to the continuous improvement of risk governance and enterprise risk management (ERM) frameworks.

Key Measurements of Outputs:
Key Performance Indicators (KPIs)

Strength of portfolio credit risk metrics and trends (e.g. non-performing loans, sectoral concentration, risk-adjusted returns).
Timeliness, accuracy, and impact of credit and enterprise risk reports submitted to governance structures.
Quality and effectiveness of stress testing and scenario analysis outputs.
Integration of credit risk insights into strategic and capital planning processes.
Evidence of early identification and mitigation of portfolio vulnerabilities.
Quality of stakeholder engagement and support provided to credit and investment teams.
Development and adoption of portfolio management tools and models across the enterprise risk function.
Performance and development of direct reports and team capacity.
Progress in embedding digital tools and automation into credit risk analytics.
Quality of contributions to internal audits, regulatory reviews, and rating agency assessments.

Expertise & Technical Competencies
Qualifications and Experience:
Qualifications

Degree in Risk Management, Finance, Economics or a related field.

Experience

Minimum 10 years of experience in credit risk, enterprise risk, or portfolio management in a financial institution,
preferably within a DFI, development bank, or multilateral finance context.
Demonstrated experience in credit portfolio oversight, stress testing and enterprise analytics.
Deep understanding of credit risk frameworks, exposure management, and provisioning.
Strong knowledge of Basel risk principles, stress testing methodologies, and capital planning.
Proficiency in risk analytics tools, credit models, and enterprise risk platforms.
Proven ability to translate complex risk data into strategic insights for senior leadership.
Knowledge of risk-adjusted performance metrics and financial risk integration.
Familiarity with macroeconomic and sectoral risk drivers in South Africa and emerging markets.
Proven track record of leading and preparing good quality reports, documents and presentations for Executive
Management, Board Committees and high-level stakeholders.

Technical Competencies:
Strategic Planning

Establishes challenging, attainable goals and objectives based on a customer focus perspective.
Looks to the future with a broad perspective.
Ensures performances measures are in place to monitor progress and assess accomplishments and achievement of strategic goals and objectives.
Develops initiatives to achieve goals and objectives.
Articulates the vision and plans to others.

Financial analysis

Serves as subject matter expert and leads work teams for more complex issues.
Evaluates and determines fiscal, operational, and service impacts; analyses and evaluates legislation; and implements and evaluates statistical models in their subject areas.
Demonstrates in-depth technical and administrative knowledge of the rules and regulations in the subject area and to defend analyses, testimony, and recommendations relating to a variety of issues before management and commissions.

Reporting

Designs, reviews and improves reporting processes and provides guidance.
Leads production of complex environment reports, takes an editorial role, determines content and level of detail, and ensures consistent messaging and branding.

Business Acumen

Takes actions to fit business strategy.
Assesses and links short-term tasks in the context of long-term business strategies or perspectives.
Reviews own actions against the organisation's strategic plan; includes the big picture when considering possible opportunities or projects or thinks about long-term applications of current activities.
Anticipates possible responses to different initiatives.
Understands the projected direction of the industry and how changes might impact the organisation.

Risk Management Policies and Procedures

Drives integration and standardisation of risk management processes across the organisation.
Advises on the application of the organisation’s risk management policies, industry best practices and constructs organisation guidelines.
Analyses trends in risk management and internal control, evaluates implications, defines and implements organisation-wide response.

Required Personal Attributes
Leadership/Behavioural Competencies:
Analytical thinking

Identifies multiple elements of a problem and breaks down each of those elements in detail, showing causal relationships between them.
Uses several analytical techniques to identify several solutions and weighs the value of each.

Driving delivery of results

Identifies and implements a business opportunity that will have a long-term impact on the business. Monitors progress and adapts the plan if necessary to ensure optimal benefit to the business.
Makes decisions, sets priorities, or chooses goals on the basis of inputs and outputs makes explicit considerations of potential profit, return on investment, or cost benefit analysis.
Based on the cost-benefit analysis, makes decisions of entrepreneurial risk nature.

Leading and empowering others

Identifies long-term goals for the team and communicates them to team members, ensuring their buy in.
Sets a good example by personally exercising desired behaviour, acts on values and beliefs.
Communicates a vision for the team and future success that inspires team members.
After assessing others’ competence, one delegates full authority and responsibility to others to do a task in their own way.
Ensures that competent employees are given opportunities to further their careers.

Strategic and innovative thinking

Experiments with new approaches, testsscenarios, questions assumptions and challenges conventional thinking.
Creates new concepts that are not obvious to others, leveraging internal and external sources of information, to build incremental revenue and growth opportunities.
Understands connections and trade-offs of strategic choices to evaluate which ideas are practical and possible by considering business and/or scientific implications.
Develops innovative business and/or customer solutions that shape industry practices.

Impact and influence

Uses chains of indirect influence or experts / third parties to influence.
Uses an in-depth understanding of the interactions within a group to move toward a specific agenda.

Policy
The Development Bank of Southern Africa will endeavour to make appointments in line with its Employment Equity Policy and Plan. Applications from suitably qualified designated groups, especially people with disabilities, are encouraged.
The DBSA corporate culture fit requires clear, logical and analytical thinking grounded in good interpersonal skills, a sense of urgency and results orientated execution of duties. The ability to work collaboratively and finding practical yet innovative solutions is critical to success in a work environment that demands emotional resilience, accountability and responsible risk taking and management.
The DBSA reserves the right to amend or remove vacancies in line with organisational requirements.
All vacancies can be viewed on the DBSA website (www.dbsa.org) under Careers.

PLEASE APPLY HERE

PRINCIPAL CREDIT OFFICER: PORTFOLIO MANAGEMENT X2

Details
Closing Date 2025/11/11
Reference Number DBS251024-1
Job Title Principal Credit Officer: Portfolio Management x2
Job Grade 00
Job Type Classification Permanent
Location - Town / City Midrand
Location - Province Gauteng
Location - Country South Africa

Job Profile (Downloadable)
Principal Credit Officer Portfolio Mngt.docx.pdf (293.71 kb) - 10/27/2025 12:38:17 PM

Job Description
The role is responsible for the ongoing assessment, monitoring, and optimisation of credit risk within the existing portfolio of investments across South Africa, the Rest of Africa and High Impact. The role is critical to maintaining portfolio health through in-depth credit reviews, financial analysis, and proactive risk mitigation strategies. Applying technical and commercial expertise and legal knowledge, the role supports strategic decision-making, contributes to the credit compliance, and ensures that exposures remain aligned with institutional risk appetite. This role interacts closely with the Credit Origination team responsible for new transactions while maintaining dedicated focus on the post-approval performance of the existing portfolio.

Key Responsibilities
1. Credit Portfolio Monitoring and Risk Reviews

Conduct structured, periodic credit reviews on all existing transactions, ensuring timely identification of deterioration of risks.
Initiate/review rapid risk reviews in response to emerging external or internal risk signals, collaborating with internal and external stakeholders for effective intervention.
Track financial and non-financial covenants, monitoring borrower compliance and reporting anomalies.
Review credit quality across sectors and regions, flagging trends and proposing remedial strategies.
Provide early warning indicators and analysis to credit committees and forums to support pre-emptive action.
Perform quick-turnaround risk assessments for urgent or material changes.
Evaluate and recommend credit amendments, waivers, or restructures.

2. Credit Assessment and Financial Analysis

Undertake in-depth financial and cash-flow analysis of portfolio companies, evaluating performance against initial projections and market benchmarks.
Review credit opinions for additional lines of credit for public sector clients, as part of the annual review.
Review accuracy and appropriateness of credit assessments, rating model methodologies applied to ensure correctness and quality of credit assessments to enable decision-making.
Prepare portfolio performance reports, incorporating peer comparisons, geographic and sectors developments, and macroeconomic conditions affecting the Bank portfolio.
Assess amendments to credit terms and provides recommendations for restructuring, covenant waivers, or rescheduling proposals as required.
Conduct scenario analysis and stress testing on key exposures, feeding insights into credit risk appetite and capital allocation decisions.
Support efforts to enhance risk-adjusted return through active management of the credit book.

3. Portfolio Management and Compliance

Adherence to credit-related compliance with internal policies, regulatory standards, and investment mandates across all geographies.
Liaise with team members to ensure seamless handover and continuous oversight of transactions post-disbursement.
Support the disbursement process, post-handover, to ensure facility conditions are met as required.
Maintains up-to-date credit ratings and internal loan classifications of all transactions, supporting ongoing monitoring and reporting functions.
Participate in the maintenance and improvement of the credit value chain, identifying process inefficiencies and supporting enhancements to credit systems and processes. Serve as a subject matter expert on portfolio management and credit-related matters for special projects or in pursuit of identifying lessons learnt that can be adopted in origination as well as appropriate forms of credit risk mitigation strategies.

4. Strategic Engagement

Support governance reporting by contributing to reports for Board committees, EXCO, and relevant committees post disbursements.
Support the periodic IFRS 9 provisioning and ECL measurement forum.
Support internal portfolio management committees and forums for early warning identification and intervention.
Contribute to policy development and implementation of portfolio related frameworks and guidelines.
Support audits by preparing necessary reports and documentation in line with best practice and standards.

5. Financial Modelling and Analysis

Build and/or review and challenge model assumptions in financial models for a portfolio of companies.
Conduct cash flow analysis, stress testing, and scenario analysis to test financial viability and draw conclusions / make recommendations to mitigate financial risks identified.
Review ongoing financial compliance of updated financial models and/or recommend and implement new credit risk mitigants (e.g. conditions, collateral, guarantees), as required.
Perform peer benchmarking and sectoral credit comparisons in order to provide valuable insights for the review of the financial modelling assessment.
Support light restructuring and re-scheduling of distressed exposures.

6. Stakeholder Management and Problem-Solving

Collaborate effectively with stakeholders to achieve common goals, facilitating open and clear communication.
Actively listen, share information, and foster a cooperative environment that encourages diverse perspectives and collective problem-solving.

7. People Management

Lead and develop team members by setting clear objectives, providing constructive feedback, and fostering a supportive and collaborative work environment.
Recognising individual strengths, facilitating professional growth, and aligning team efforts with organisational goals to enhance overall performance and engagement.
Provide technical assistance and mentorship to portfolio analysts.
Facilitate training and capacity building within the team on portfolio management, credit tools, and evolving credit practices.

8. Reporting and Monitoring

Stay abreast of sector and country intelligence relevant to portfolio management activities.
Produce accurate, insightful reports and continuously monitoring key financial and non-financial metrics to assess performance and credit migration risk.
Analyse data to identify trends, inform strategic decisions, and provide stakeholders with clear, actionable information that supports ongoing performance improvement and accountability.
Utilise appropriate technologies and tools to enhance reporting efficiency and clarity, while also safeguarding the confidentiality and sensitivity of the information included.
Maintain high standards of accuracy and timeliness to deliver reports that are timely, relevant and precise.

Key measurement of output:

Percentage of scheduled and ad hoc credit reviews completed on time and in line with internal standards.
Precision of internal credit ratings aligned with appropriate model methodologies and validated through back-testing or audit reviews.
Timely detection of early warning indicators and escalated through appropriate channels.
Number of covenant breaches identified and resolved and compliance rate across the monitored portfolio.
Average time taken to complete normal and urgent risk assessment and recommend amendments or waivers.
Quality of financial models built or reviewed, stakeholder feedback on model accuracy and usefulness for decision-making.
Percentage of distressed exposures stabilised or improved through active and appropriate credit intervention strategies.
Percentage of reports submitted on time with no material errors; frequency of actionable insights derived from reports; percentage of submissions deferred as a result of substandard quality.
Feedback from internal and external stakeholders on quality, communication, responsiveness, and problem-solving support.

Expertise & Technical Competencies
a) Risk Identification & Assessment / Technical

Diagnoses significant, unusual and emerging risks to which the business is exposed.
Advises on applicable aspects of risk identification and assessment.
Demonstrate advanced proficiency and up-to-date knowledge in specialised areas, applying this expertise to solve complex problems, drive innovation, and contribute to strategic initiatives.
Continuously expand skills to adapt to industry advancements and enhance organisational capabilities.
Manage effective and efficient execution of tasks and projects by optimising processes, managing resources, and adhering to timelines.

b) Risk management policies and procedures

Develops innovative approaches to managing significant business risks effectively and efficiently.
Leads implementation, execution and monitoring activities.
Advises on best solutions and foresees the impact of changes in regulations, policies and procedures for non-complex and increasingly complex business issues.

c) Data collection and analysis

Skilled in the use of advanced/complex analytical techniques.
Is able to use judgement to decide upon the most appropriate analytical techniques according to the situation.
Recognises underlying principles, patterns, or themes in an array of related information, and determine whether additional information would be useful or necessary.
Through an in-depth understanding of the business environment, reviews outputs of analysis to identify anomalies and draws conclusions, relating these to operational circumstances.
Can model a range of scenarios covering all potential business circumstances and highlight potential risks/ opportunities.

d) Planning and organising

Is relied on to helps others plan and organise their workload.
Uses effectively advance time management processes to deal with high workload and tight deadlines.
Organises, prioritises and schedules tasks so they can be performed within budget and with the efficient use of time and resources.
Achieves goals in a timely manner, despite obstacles encountered, by organising, reprioritising and re-planning.

e) Financial acumen

Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies, and community.
Effectively supports the preparation of budgetary submissions and forecasts for own department.
Knows the internal and external factors that impact on resource and asset availability.
Is able to interpret management account reports in an operational/commercial context and take action as appropriate to maximise revenues and control costs.

f) Financial Modelling

Demonstrating expertise in developing, analysing, and interpreting complex financial models to support strategic decision-making and business objectives. This involves creating accurate and reliable models that forecast financial performance, assess business scenarios, and evaluate investments or projects.

g) Reporting

Designs / customises reports to meet user needs.
Prepares complex or tailored reports, gathers information from a variety of sources, analyses and includes in a report.
Keeps standard reports under review and proposes improvements to meet user needs.

*The KPA’s, competencies and relationships listed in this document, is not exhaustive and the incumbent will be expected to undertake additional duties within their capacity to meet the needs of business and/or the business unit.

Qualifications

Postgraduate degree in Economics, Finance, Accounting, Business Administration or Risk Management or related field.

Experience

Minimum of 10 years’ experience in credit risk analysis, portfolio monitoring, or financial analysis within a wholesale, investment banking, or development finance environment.
Proven track record in conducting credit reviews and portfolio monitoring across South Africa and broader African markets.
Extensive experience in credit assessments, financial modelling, and risk analysis for both new and existing investments.
Strong capabilities in financial structuring, with exposure to complex lending instruments, including bilateral and syndicated facilities.
Skilled in negotiating and managing stakeholders, with the ability to assess and structure complex transactions.
Familiarity with ESG, sustainable finance, and blended finance frameworks.
Proficient in credit systems, risk reporting tools, and core credit risk management principles.
Demonstrated ability to prepare high-quality credit analysis and investment write-ups, supported by advanced credit reasoning.
Solid understanding of the loan lifecycle and the end-to-end credit value chain.
Experience in evaluating facility amendments, restructurings, and covenant waivers.

Desirable Requirements

Master’s degree in Economics, Finance, Accounting or related field is advantageous.
Professional certification in Financial Risk Management, Chartered Financial Analysis or CA (SA) or equivalent.
Strong understanding and experience of sovereign risk, infrastructure finance, and public sector lending.
Experience in working on bilateral, club or syndicated transactions with multilateral institutions, investment banks, government agencies and private sector sponsors in infrastructure.

Required Personal Attributes
a) Achievement Orientation

Focuses on new or more effective ways of improving own work and meeting targets.
Focuses on raising quality, customer satisfaction and revenues.
Makes specific changes to systems and processes in order to improve efficiency and quality.
Formulates own objectives and action plans in order to achieve a measurable improvement in the future

b) Customer Service Orientation

Tries to understand the underlying needs of customers and matches these needs to available or customised products and services.
Adapts processes and procedures to meet on-going customer needs.
Utilises the feedback received by customers, in order to develop new and/or improve existing services/ products that relate to their on-going needs.
Thinks of new ways to align DBSA’s offerings with future customer needs.

c) Self-awareness and Self-Control

Withholds effects of strong emotions in difficult situations.
Keeps functioning or responds constructively despite stress.
May apply special techniques or plan ahead of time to manage emotions or stress.

d) Attention to detail

Double-checks the accuracy of information or work.
Ensures that the work produced doesn’t contain any errors.

e) Analytical thinking

Identifies the cause-and-effect relationship between two aspects of a situation.

f) Strategic and Innovative Thinking

Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional thinking.
Creates new concepts that are not obvious to others, leveraging internal and external sources of information, to build incremental revenue and growth opportunities.

g) Teamwork and Cooperation

Acts to promote a friendly climate and good morale and resolves conflicts.
Creates opportunities for cross-functional working.
Encourages others to network outside of their own team/department and learn from their experience

SENIOR CREDIT OFFICER: CREDIT ORIGINATION X6

Details
Closing Date 2025/11/11
Reference Number DBS251023-8
Job Title Senior Credit Officer: Credit Origination x6
Job Grade 00
Job Type Classification Permanent
Location - Town / City Midrand
Location - Province Gauteng
Location - Country South Africa

Job Profile (Downloadable)
Senior Credit Officer Origination.docx.pdf (290.54 kb) - 10/27/2025 11:42:00 AM

Job Description
The role is responsible for the origination and structuring of complex credit transactions across various sectors, e.g. infrastructure, sovereign, sub-sovereign, public sector projects for investment considerations in South Africa, the Rest of Africa and High Impact. This role is instrumental in ensuring that new transactions align with the DBSA’s mandate, risk appetite and strategic objectives. Applying technical and commercial expertise, and legal knowledge, the role supports decision-making by appraising new transactions, through conducting due diligence, credit assessment of financial and non-financial risks, financial modelling and well-structured credit risk mitigation strategies. This role interacts closely with the Business teams and various Sector and Country Specialists in the origination process.

Key Responsibilities
Key Performance Areas:
Deal Origination and Structuring

Appraise the origination of complex credit transactions from a pipeline of potential projects sourced by the Business teams, assessing transactions against the Bank’s risk appetite.
Appraise, structure transactions to optimise risk-adjusted returns whilst achieving development impact.
In conjunction with the Business teams, engage internally with project teams and externally with borrowers, government entities, project sponsors, and other key risk-transfer / credit enhancing stakeholders to assess optimal financing needs and develop tailored solutions.
Provide credit advisory at inception, deal screening or early review stages for indicative quantification of credit.
Serve as a key member of the project team during appraisal stage, deal implementation and financial close stages in pursuit of achieving the Bank’s key corporate and strategic objectives.
Serve as a key member of the project team to develop innovative risk mitigation structures (e.g. blended finance instruments, sustainable finance instruments, credit enhanced structures).
Conduct market and industry research as needed to inform risk assessment and credit decision-making.
Collaborate with multidisciplinary sector experts and other teams to support client solutioning and the credit application process.

Credit Assessment, Financial Analysis and Risk Mitigation

Undertake in-depth credit and financial analysis and due diligence on prospective transactions.
Identify, mitigate and manage key quantitative and qualitative risks facing a prospective transaction.
Apply credit rating methodologies aligned to underlying transaction structures to ensure that the credit profile is adequately encapsulated the risk-adjusted returns per policies.
Contribute to due diligence activities, where required, including site visits, stakeholder interviews and due diligence data collection and synthesis.
Collaborate with business, legal, technical and ESG teams to ensure comprehensive transaction evaluation.
Prepare investment memos for new appraisals that succinctly communicates the overall credit opinion and recommended terms and conditions of the prospective transactions.
Undertake in-depth financial and cash-flow analysis of portfolio companies, evaluating performance against initial projections and market benchmarks.
Review portfolio performance reports, incorporating peer comparisons, sectors developments, and macroeconomic conditions affecting the Bank.
Assess amendments to credit terms and provides recommendations for restructuring, covenant waivers, or rescheduling proposals as required.
Conduct scenario analysis and stress testing on key exposures, feeding insights into credit risk appetite and capital allocation decisions.
Support efforts to enhance risk-adjusted return through innovative solutioning of the prospective deal flow.

Financial Modelling and Analysis

Build and/or review and challenge model assumptions in financial models for prospective transactions.
Conduct cash flow analysis, stress testing, and scenario analysis to test financial viability and draw conclusions / make recommendations to mitigate financial risks identified.
Assess financial compliance of key financial terms and/or recommend and implement credit risk mitigants (e.g. conditions, covenants, collateral, guarantees), as required.
Perform peer benchmarking and sectoral credit comparisons in order to provide valuable insights for the review of the financial modelling assessment.

Portfolio Integration

Ensure seamless transition of approved transactions into portfolio management.
Monitor early-stage performance, facility and/or covenant compliance during onboarding of new clients.
Provide feedback to portfolio, origination and risk teams on original learnings and risk signals.
Maintain credit-related compliance with internal policies, regulatory standards, and investment mandates across all geographies.
Maintain up-to-date credit ratings and internal loan classifications of new transactions, where required, prior to transition into portfolio management.

Strategic Engagement and Governance

Liaise with teams to ensure seamless handover and continuous oversight of transactions post-disbursement.
Support governance reporting by contributing to reports for Board committees, EXCO, and relevant committees.
Participate in the maintenance and improvement of the credit value chain, identifying process inefficiencies and supporting enhancements to credit systems.
Support audits by preparing necessary reports and documentation in line with best practice and standards.

Reporting and Monitoring

Produce accurate, insightful reports that express key financial and non-financial metrics and analysis to support credit opinions for decision-making.
Analyse data to identify trends, inform strategic decisions, and provide stakeholders with clear, actionable information that supports ongoing performance improvement and accountability.
Utilise appropriate technologies and tools to enhance reporting efficiency and clarity, while also safeguarding the confidentiality and sensitivity of the information included.
Maintain high standards of accuracy and timeliness to deliver reports that are timely, relevant and precise.

Key Measurements of Outputs:

Percentage and number of credit memos for appraisals completed on time and in line with internal standards.
Precision of internal credit ratings aligned with appropriate model methodologies and validated through backtesting or audit reviews.
Timely identification of early warning indicators, escalating and actioned for new transactions in appraisal or deal implementation stage.
Number of breaches identified and resolved and compliance rate for new facility agreements being onboarded.
Average time taken to complete normal urgent risk assessment and recommend amendments or waivers.
Quality of financial models built or reviewed, stakeholder feedback on model accuracy and usefulness for decision-making.
Percentage of reports submitted on time with no material errors; percentage of submissions deferred as a result of substandard quality.
Feedback from internal and external stakeholders on quality, communication, responsiveness, and problem-solving support.

Expertise & Technical Competencies
Qualifications and Experience:
Qualifications

Degree in Economics, Finance, Accounting, Business Administration or Risk Management or related field.

Experience

Minimum of 8 years’ experience in credit risk analysis, portfolio monitoring, or financial analysis within
wholesale/investment banking or a development finance environment.
Proven proficiency in credit analysis, financial modelling, and application of credit rating methodologies across similar credit portfolios.
Strong capability in financial statement analysis, credit risk assessment, and the application of risk mitigation principles.
Familiarity with development finance instruments and structured finance solutions is advantageous.
Sound understanding of the credit lifecycle and loan value chain processes.
Awareness of macroeconomic and political risk factors impacting country and credit risk is beneficial.
Experience in credit origination, investment analysis, or structured finance is a plus.
Demonstrated credit reasoning and credit writing skills.
Strong verbal and written communication skills, with the ability to present complex concepts clearly and effectively.
Demonstrated ability to build relationships, collaborate in teams, and manage stakeholder interactions effectively.

Desirable Requirements

Experience working with municipalities, government programmes, or development finance institutions.
Understanding and experience of sovereign risk, infrastructure finance, and public sector lending.
Postgraduate degree in Finance, Economics, Accounting or a related field.
Professional certification in Financial Risk Management, Chartered Financial Analysis or CA (SA) or equivalent.
Familiarity with ESG, blended finance, and development impact frameworks.

Technical Competencies:
Risk identification & Assessment / Technical

Diagnoses significant, unusual and emerging risks to which the business is exposed.
Advises on applicable aspects of risk identification and assessment.
Demonstrate advanced proficiency and up-to-date knowledge in specialised areas, applying this expertise to solve problems, drive innovation, and contribute to strategic initiatives.
Continuously expanding skills to adapt to industry advancements and enhance organisational capabilities.
Maintain high standards of quality and reliability, contributing to the seamless achievement of objectives.

Risk management policies and procedures

Develops innovative approaches to managing significant business risks effectively and efficiently.
Leads implementation, execution and monitoring activities.
Advises on best solutions and foresees the impact of changes in regulations, policies and procedures for noncomplex
and business issues.

Data collection and analysis

Skilled in the use of analytical techniques.
Is able to use judgement to decide upon the most appropriate analytical techniques according to the situation.
Recognises underlying principles, patterns, or themes in an array of related information, and determine whether additional information would be useful or necessary.
Through an in-depth understanding of the business environment, reviews outputs of analysis to identify anomalies and draws conclusions, relating these to operational circumstances.
Can model a range of scenarios covering all potential business circumstances and highlight potential risks/opportunities.

Planning and organising

Is relied on to helps others plan and organise their workload.
Uses effectively advance time management processes to deal with high workload and tight deadlines.
Organises, prioritises and schedules tasks so they can be performed within budget and with the efficient use of time and resources.
Achieves goals in a timely manner, despite obstacles encountered, by organising, reprioritising and replanning.

Financial acumen

Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies, and community.
Awareness of utilising department budgets must be done in the most cost-effective ways.
Understands management accounting reports and the processes by which financial resources are identified, obtained, allocated, managed, and accounted for.
Is able to interpret management account reports in an operational/commercial context and take action as appropriate to maximise revenues and control costs.

Financial Modelling

Demonstrating expertise in developing, analysing, and interpreting financial models to support strategic
decision-making and business planning. This involves creating accurate and reliable models that forecast
financial performance, assess business scenarios, and evaluate investments or projects.

Reporting

Prepares both standard and non-standard reports to time and quality standards.
Collate and analyses readily available data for inclusion in a report.
Designs / customises reports to meet user needs.

Required Personal Attributes
Leadership/Behavioural Competencies:
Achievement Orientation

Focuses on new or more effective ways of improving own work and meeting targets.
Focuses on raising quality, customer satisfaction and revenues.
Makes specific changes to systems and processes in order to improve efficiency and quality.
Formulates own objectives and action plans in order to achieve a measurable improvement in the future.

Customer Service Orientation

Tries to understand the underlying needs of customers and matches these needs to available or customised products and services.
Adapts processes and procedures to meet on-going customer needs.
Utilises the feedback received by customers, in order to develop new and/or improve existing services/products that relate to their on-going needs.
Thinks of new ways to align DBSA’s offerings with future customer needs.

Self-awareness and Self-Control

Withholds effects of strong emotions in difficult situations.
Keeps functioning or responds constructively despite stress.
May apply special techniques or plan ahead of time to manage emotions or stress.

Attention to Detail

Double-checks the accuracy of information or work.
Ensures that the work produced doesn’t contain any errors.

Analytical Thinking

Identifies the cause-and-effect relationship between two aspects of a situation.

Strategic and Innovative Thinking

Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional thinking.
Creates new concepts that are not obvious to others, leveraging internal and external sources of information,
to build incremental revenue and growth opportunities.

Teamwork and Cooperation

Acts to promote a friendly climate and good morale and resolves conflicts.
Creates opportunities for cross-functional working.
Encourages others to network outside of their own team/department and learn from their experience.

SENIOR CREDIT OFFICER: PORTFOLIO MANAGEMENT X3

Details
Closing Date 2025/11/11
Reference Number DBS251023-5
Job Title Senior Credit Officer: Portfolio Management x3
Job Grade 00
Job Type Classification Permanent
Location - Town / City Midrand
Location - Province Gauteng
Location - Country South Africa

Job Profile (Downloadable)
Senior Credit Officer Portfolio Mngt.docx.pdf (274.16 kb) - 10/27/2025 11:49:56 AM

Job Description
The purpose of the role is to support the credit risk management and portfolio oversight of the Bank’s investments across South Africa, the Rest of Africa and High Impact. The role involves conducting detailed credit assessments, financial analysis, credit monitoring of the portfolio; further contributing to early warning identification and risk mitigation strategies across the Bank’s investment activities. Applying technical and commercial expertise and legal knowledge, the role supports strategic decision-making, contributes to credit compliance, portfolio management and ensures that exposures remain aligned with the institutional risk appetite. The role interacts closely with the Credit Origination responsible for new transactions while maintaining dedicated focus on the post-approval performance of the existing portfolio.

Key Responsibilities
Credit Review and Monitoring

Undertake credit assessments of clients for annual credit reviews according to internal annual review cycle for sovereigns, public entities, infrastructure and high impact projects.
Prepare credit memos, with opinions and recommendations for clients in the portfolio.
Prioritise and manage the portfolio to ensure that annual reviews do not expire beyond the policy prescripts.
Prepare credit opinions for additional lines of credit for public sector clients, as part of the annual review.
Regularly engage other teams to obtain latest collateral values from the collateral register, as inputs into the credit assessment and risk rating process.
Monitor the adherence to credit conditions, loan covenants, and risk triggers; taking appropriate action.
Track, manage and report on credit amendments, waivers, and restructuring activities.
Initiate/review rapid risk reviews in response to emerging external or internal risk signals, collaborating with internal and external stakeholders for effective intervention.

Financial and Credit Analysis

Conduct financial statement analysis, cash flow modelling, and creditworthiness assessments.
Perform peer benchmarking and sectoral credit comparisons as part of the financial modelling assessment.
Build and/or challenge financial model assumptions for reasonableness based on financial, technical and market insights applied.
Conduct stress testing and scenario analysis to test financial viability and draw conclusions / make recommendations to mitigate risks identified.

Portfolio Reporting and Compliance

Maintain accurate records of credit decisions outcomes, risk ratings, loan classifications, and covenant compliance; store records in compliance with the Bank’s records management and specified electronic drives.
Contribute to the preparation of regular portfolio reports for management and stakeholders.
Support the development of enhancing portfolio monitoring reports and dashboards.
Validate and assess data for accuracy, reliability and completeness on all relevant credit and risk systems.
Uphold compliance with internal credit policies, investment mandates and regulatory requirements.
Liaise with teams to ensure seamless handover and continuous oversight of transactions post-disbursement.
Support the disbursement process, post-handover, to ensure facility conditions are met as required.

Credit Mitigation and Restructuring Support

Monitor portfolios to identify early warning signals and potential credit deterioration and escalate potential risks in accordance with the policies and delegation of authority prescripts.
Execute light restructuring and rescheduling processes under supervision and in collaboration with other teams.
Review ongoing financial compliance of updated financial models and/or recommend and implement new credit risk mitigants (e.g. conditions, collateral, guarantees), as required.

Reporting

Produce accurate, insightful reports and continuously monitoring key financial and non-financial metrics to assess performance and credit migration risk.
Establish and adhere to deadlines to ensure management has up-to-date information for decision-making.
Maintain high standards of accuracy and timeliness to deliver reports that are timely and precise.
Utilise appropriate technologies and tools to enhance reporting efficiency and clarity, while also safeguarding the confidentiality and sensitivity of the information included.

Stakeholder Management and Problem-Solving

Collaborate effectively with stakeholders to achieve common goals, facilitating open and clear communication.
Actively listen, share information, and foster a cooperative environment that encourages diverse perspectives and collective problem-solving.

Key measurement of output:

Percentage of credit review documentation prepared without errors / deferred.
Timeliness of credit review documentation submissions reviewed and approved (annual review % not expired).
Number of covenant breaches or risk triggers identified and escalated; compliance rate across the monitored portfolio.
Timely monitoring updates in accordance with facility and/or risk requirements; number of loan facility terms and conditions compliance checks completed and actioned (where appropriate).
Quality of financial analyses or models built / assessed and quality of inputs to credit assessments, stakeholder feedback on model accuracy and usefulness for decision-making.

Expertise & Technical Competencies
Qualifications
Minimum Requirements

Bachelor’s degree in finance, Economics, Accounting or a related field.

Experience

Minimum of 8 years’ experience in credit risk analysis, portfolio monitoring, or financial analysis within a wholesale, investment banking, or development finance environment.
Strong proficiency in credit analysis, financial modelling, credit rating methodologies, and monitoring of comparable credit portfolios.
Solid expertise in financial statement analysis, credit risk assessment, and the application of risk mitigation strategies.
Knowledge of development finance instruments and the end-to-end credit lifecycle and loan value chain.
Awareness of macroeconomic and political risk factors influencing country and credit risk, particularly in emerging markets.
Demonstrated strength in credit reasoning, with excellent credit writing and report development skills.
Strong verbal and written communication abilities, including effective presentation skills and the capacity to convey complex concepts in clear business terms.

Desirable Requirements

Experience working with municipalities, government programmes, or development finance institutions.
Understanding and experience of sovereign risk, infrastructure finance, and public sector lending.
Postgraduate degree in Finance, Economics, Accounting or a related field.
Professional certification in Financial Risk Management, Chartered Financial Analysis or CA (SA) or equivalent.

TECHNICAL COMPETENCIES
Risk Identification & Assessment

Diagnoses significant, unusual and emerging risks to which the business is exposed.
Proposes solutions on applicable aspects of risk identification and assessment.
Demonstrate high proficiency and up-to-date knowledge in specialised areas, applying this expertise to solve complex problems, drive innovation, and contribute to strategic initiatives.
Continuously expand skills to adapt to industry advancements and enhance organisational capabilities.
Manage effective and efficient execution of tasks and projects by optimising processes, managing resources, and adhering to timelines.
Maintain high standards of quality and reliability, contributing to the achievement of organisational objectives.

Risk Management Policies and Procedures

Applies relevant risk regulations, policies and procedures to non-complex business issues.
Understanding of the application of the organisation’s risk management policies.

Data Collection and Analysis

Based on knowledge of the reasons behind the analysis, is able to define the most appropriate means of data collection.
Is able to develop formats for data collection.
Is able to define the most appropriate internal and external data/information sources.
Identifies key facts in an array of data, recognises when pertinent facts are incorrect, missing, or require supplementation or verification.
Breaks down data into component parts to understand the nature and relationship of the parts.
Has a broad knowledge of statistical data-handling techniques.
Can undertake more comprehensive analysis of data / information and is required to draw conclusions.

Planning and Organising

Uses time management procedures effectively.
Can exercise independent judgement regarding all planning and organising issues.
Uses specialised software to plan and manage own time.
Plans and manages multiple priorities and deadlines.

Financial Acumen

Understands cost/revenue drivers within own area and is able to take actions to control resources and expenditure to meet financial targets.
Understands management accounting reports and the processes by which financial resources are identified, obtained, allocated, managed, and accounted for.
Is able to interpret management account reports in an operational/commercial context and take action as appropriate to maximise revenues and control costs.

Financial Modelling

Demonstrating expertise in developing, analysing, and interpreting complex financial models to support strategic decision-making and business objectives. This involves creating accurate and reliable models that forecast financial performance, assess business scenarios, and evaluate investments or projects.

Reporting

Prepares both standard and non-standard reports to time and quality standards.
Collate and analyses readily available data for inclusion in a report.
Designs / customises reports to meet user needs.

Identifies multiple elements of a problem and breaks down each of those elements in detail, showing causal relationships between them.
Uses several analytical techniques to identify several solutions and weighs the value of each.

Driving Delivery of Results

Identifies and implements a business opportunity that will have a long-term impact on the business.
Monitors progress and adapts the plan if necessary to ensure optimal benefit to the business.
Makes decisions, sets priorities, or chooses goals on the basis of inputs and outputs: makes explicit considerations of potential profit, return on investment, or cost benefit analysis.
Based on the cost-benefit analysis, makes decisions of entrepreneurial risk nature.

Attention to Detail

Double-checks the accuracy of information or work.
Ensures that the work produced doesn’t contain any errors.

Achievement Orientation

Delivers work on time and quality and follows through on agreed commitments.
Views new work experiences as an opportunity for growth.
Reacts immediately to overcome setbacks or/and obstacles in order to meet goals.
Recognises and acts upon current opportunities.

Self-Awareness and Self-Control

Withholds effects of strong emotions in difficult situations.
Keeps functioning or responds constructively despite stress.
May apply special techniques or plan ahead of time to manage emotions or stress.

Strategic and Innovative Thinking

Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional thinking.
Creates new concepts that are not obvious to others, leveraging internal and external sources of information, to build incremental revenue and growth opportunities.

Teamwork and Cooperation

Acts to promote a friendly climate and good morale and resolves conflicts.
Creates opportunities for cross-functional working.
Encourages others to network outside of their own team / department and learn from their experience.

PRINCIPAL CREDIT OFFICER: ORIGINATION

Details
Closing Date 2025/11/11
Reference Number DBS251023-3
Job Title Principal Credit Officer: Origination
Job Grade 00
Job Type Classification Permanent
Location - Town / City Midrand
Location - Province Gauteng
Location - Country South Africa

Job Profile (Downloadable)
Principal Credit Officer Origination.docx.pdf (284.79 kb) - 10/27/2025 1:08:48 PM

Job Description
The role is responsible for the origination and structuring of complex credit transactions across various sectors, e.g. infrastructure, sovereign, sub-sovereign, public sector projects for investment considerations in South Africa, the Rest of Africa and High Impact. This role is instrumental in ensuring that new transactions align with the DBSA’s mandate, risk appetite and strategic objectives. Applying technical and commercial expertise, and legal knowledge, the role supports decision-making by appraising new transactions, through conducting due diligence, credit assessment of financial and non-financial risks, financial modelling and well-structured credit risk mitigation strategies. This role interacts closely with the Business teams and various Sector and Country Specialists in the origination process.

Key Responsibilities
Deal Origination and Structuring

Take charge of the origination of complex credit transactions from a pipeline of potential projects sourced by the Business teams, assessing transactions against the Bank’s risk appetite.
Appraise, structure transactions to optimise risk-adjusted returns whilst achieving development impact.
In conjunction with the business teams, engage internally with project teams and externally with borrowers, government entities, project sponsors, and other key risk-transfer / credit enhancing stakeholders to assess optimal financing needs and develop tailored solutions.
Provide credit advisory at inception, deal screening or early review stages for indicative quantification of credit.
Serve as a key member of the project team during appraisal stage, deal implementation and financial close stages in pursuit of achieving the Bank’s key corporate and strategic objectives.
Serve as a key member of the project team to develop innovative risk mitigation structures (e.g. blended finance instruments, sustainable finance instruments, credit enhanced structures)
Serve as a subject matter expert on credit and credit-related matters for special projects or in pursuit of establishing new product lines and appropriate forms of credit risk mitigation strategies.

Credit Assessment, Financial Analysis and Risk Mitigation

Undertake in-depth credit and financial analysis and due diligence on prospective transactions.
Identify, mitigate and manage key quantitative and qualitative risks facing a prospective transaction.
Apply and/or review credit rating methodologies aligned to underlying transaction structures to ensure that the credit profile is adequately encapsulated the risk-adjusted returns per policies.
Contribute to due diligence activities, where required, including site visits, stakeholder interviews and due diligence data collection and synthesis.
Collaborate with business, legal, technical and ESG teams to ensure comprehensive transaction evaluation.
Prepare and/or review investment memos for new appraisals that succinctly communicates the overall credit opinion and recommended terms and conditions of the prospective transactions.
Undertake in-depth financial and cash-flow analysis of portfolio companies, evaluating performance against initial projections and market benchmarks
Review portfolio performance reports, incorporating peer comparisons, sectors developments, and macroeconomic conditions affecting the Bank
Assess amendments to credit terms and provides recommendations for restructuring, covenant waivers, or rescheduling proposals as required.
Conduct scenario analysis and stress testing on key exposures, feeding insights into credit risk appetite and capital allocation decisions.
Support efforts to enhance risk-adjusted return through innovative solutioning of the prospective deal flow.

Portfolio Integration

Facilitate seamless transition of approved transactions into portfolio management.
Monitor early-stage performance, facility and/or covenant compliance during onboarding of new clients.
Provide feedback to portfolio, origination and risk teams on original learnings and risk signals.
Maintain credit-related compliance with internal policies, regulatory standards, and investment mandates across all geographies.
Maintain up-to-date credit ratings and internal loan classifications of new transactions, where required, prior to transition into portfolio management.
Participate in the maintenance and improvement of the credit value chain, identifying process inefficiencies and supporting enhancements to credit systems.

Strategic Engagement and Governance

Liaise with teams to ensure seamless handover and continuous oversight of transactions post-disbursement.
Support governance reporting by contributing to reports for Board committees, EXCO, and relevant committees.
Contribute to policy development and implementation of credit related frameworks and guidelines.
Participate in the refinement of origination frameworks, credit templates and investment guidelines.
Assist with audits by preparing necessary reports and documentation in line with best practice and standards.

Financial Modelling and Analysis

Build and/or review and challenge model assumptions in financial models for prospective transactions.
Conduct cash flow analysis, stress testing, and scenario analysis to test financial viability and draw conclusions / make recommendations to mitigate financial risks identified.
Review financial compliance of key financial terms and/or recommend and implement credit risk mitigants (e.g. conditions, covenants, collateral, guarantees), as required.
Perform peer benchmarking and sectoral credit comparisons in order to provide valuable insights for the review of the financial modelling assessment.

Stakeholder Management and Problem-Solving

Collaborate effectively with stakeholders to achieve common goals, facilitating open and clear communication.
Actively listen, share information, and foster a cooperative environment that encourages diverse perspectives and collective problem-solving.

People Management

Lead and develop team members by setting clear objectives, providing constructive feedback, and fostering a supportive and collaborative work environment.
Recognising individual strengths, facilitating professional growth, and aligning team efforts with organisational goals to enhance overall performance and engagement.
Provide technical assistance and mentorship to credit analysts.
Facilitate training and capacity building within the team on origination, quantitative and qualitative credit assessments, credit tools, and evolving credit practices.

Reporting and Monitoring

Stay abreast of sector and country intelligence relevant to credit origination activities.
Produce accurate, insightful reports that express key financial and non-financial metrics and analysis to support credit opinions for decision-making.
Analyse data to identify trends, inform strategic decisions, and provide stakeholders with clear, actionable information that supports ongoing performance improvement and accountability.
Utilise appropriate technologies and tools to enhance reporting efficiency and clarity, while also safeguarding the confidentiality and sensitivity of the information included.
Maintain high standards of accuracy and timeliness to deliver reports that are timely, relevant and precise.

Key measurement of output:

Percentage and number of credit memos for appraisals completed on time and in line with internal standards.
Precision of internal credit ratings aligned with appropriate model methodologies and validated through backtesting or audit reviews.
Timely identification of early warning indicators, escalated and actioned for new transactions in appraisal or deal implementation stage.
Number of breaches identified and resolved and compliance rate for new facility agreements being onboarded.
Average time taken to complete normal urgent risk assessment and recommend amendments or waivers.
Quality of financial models built or reviewed, stakeholder feedback on model accuracy and usefulness for decision-making.
Percentage of reports submitted on time with no material errors; percentage of submissions deferred as a result of substandard quality.
Feedback from internal and external stakeholders on quality, communication, responsiveness, and problem-solving support.

Expertise & Technical Competencies
Qualifications

Postgraduate degree in Economics, Finance, Accounting, Business Administration or Risk Management or related field.

Experience

Minimum 10 years of experience in credit risk analysis, portfolio monitoring, or financial analysis within a wholesale/investment banking or development finance environment.
Demonstrated in credit assessments, financial modelling and analysis across South Africa and the African markets.
Strong capabilities in financial modelling and transaction structuring.
Proven ability in negotiations and stakeholder management.
Strategic thinker with a strong ability to assess and interpret complex transactions.
Understanding of ESG principles, sustainable finance and blended finance frameworks.
Advanced credit analysis, reasoning and credit writing skills.
High proficiency in using credit systems, risk management tools and financial analysis platforms.
Sound knowledge of credit risk management principles and frameworks.
Demonstrated knowledge of loan lifecycle and credit value chain processes.

Desirable Requirements

Professional certification in Financial Risk Management, Chartered Financial Analysis or CA (SA) or equivalent.
Strong understanding and experience of sovereign risk, infrastructure finance, and public sector lending.
Experience in working on bilateral, club or syndicated transactions with multilateral institutions, investment banks, government agencies and private sector sponsors in infrastructure.

TECHNICAL COMPETENCIES
Risk identification and assessment

Diagnoses significant, unusual and emerging risks to which the business is exposed.
Advises on applicable aspects of risk identification and assessment.
Demonstrates advanced proficiency and current knowledge in specialised credit and financial domains, applying this expertise to solve complex challenges, drive innovation, and support strategic objectives.
Continuously updates skills to keep pace with industry developments and enhance organisational effectiveness.
Delivers tasks and projects efficiently by optimising workflows, managing resources effectively, and adhering to defined timelines.
Maintains high standards of quality, consistency, and reliability in outputs, contributing to the organisation’s goals and performance excellence.

Risk management policies and procedures

Develops innovative approaches to managing significant business risks effectively and efficiently.
Leads implementation, execution and monitoring activities
Advises on best solutions and foresees the impact of changes in regulations, policies and procedures for noncomplex and increasingly complex business issues

Data collection and analysis

Skilled in the use of advanced/complex analytical techniques.
Is able to use judgement to decide upon the most appropriate analytical techniques according to the situation.
Recognises underlying principles, patterns, or themes in an array of related information, and determine whether additional information would be useful or necessary.
Through an in-depth understanding of the business environment, reviews outputs of analysis to identify anomalies and draws conclusions, relating these to operational circumstances.
Can model a range of scenarios covering all potential business circumstances and highlight potential risks / opportunities.

Planning and organising

Is relied on to helps others plan and organise their workload.
Uses effectively advance time management processes to deal with high workload and tight deadlines.
Organises, prioritises and schedules tasks so they can be performed within budget and with the efficient use of time and resources.
Achieves goals in a timely manner, despite obstacles encountered, by organising, reprioritising and re-planning

Financial acumen

Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies, and community.
Effectively supports the preparation of budgetary submissions and forecasts for own department.
Knows the internal and external factors that impact on resource and asset availability.
Is able to interpret management account reports in an operational/commercial context and take action as appropriate to maximise revenues and control costs.

Financial Modelling

Demonstrating expertise in developing, analysing, and interpreting complex financial models to support strategic decision-making and business objectives. This involves creating accurate and reliable models that forecast financial performance, assess business scenarios, and evaluate investments or projects.

Reporting

Designs / customises reports to meet user needs.
Prepares complex or tailored reports, gathers information from a variety of sources, analyses and includes in a report.
Keeps standard reports under review and proposes improvements to meet user needs.

Focuses on new or more effective ways of improving own work and meeting targets.
Focuses on raising quality, customer satisfaction and revenues.
Makes specific changes to systems and processes in order to improve efficiency and quality.
Formulates own objectives and action plans in order to achieve a measurable improvement in the future.

Customer Service Orientation

Tries to understand the underlying needs of customers and matches these needs to available or customised products and services.
Adapts processes and procedures to meet on-going customer needs.
Utilises the feedback received by customers, in order to develop new and/or improve existing services / products that relate to their on-going needs.
Thinks of new ways to align DBSA’s offerings with future customer needs.

Self-awareness and Self-Control

Withholds effects of strong emotions in difficult situations.
Keeps functioning or responds constructively despite stress.
May apply special techniques or plan ahead of time to manage emotions or stress.

Attention to Detail

Double-checks the accuracy of information or work.
Ensures that the work produced doesn’t contain any errors.

Analytical Thinking

Identifies the cause-and-effect relationship between two aspects of a situation.

Strategic and Innovative Thinking

Experiments with new approaches, tests scenarios, questions assumptions and challenges conventional thinking.
Creates new concepts that are not obvious to others, leveraging internal and external sources of information, to build incremental revenue and growth opportunities.

Teamwork and Cooperation

Acts to promote a friendly climate and good morale and resolves conflicts.
Creates opportunities for cross-functional working.
Encourages others to network outside of their own team / department and learn from their experience.

PROCUREMENT OFFICER (X3)

Details
Closing Date 2025/11/12
Reference Number DBS251027-1
Job TitleProcurement Officer (X3)
Job Grade15
Job Type ClassificationPermanent
Location - Town / CityMidrand
Location - ProvinceGauteng
Location - Country South Africa

Job Profile (Downloadable)
Job profile Procurement Officers.pdf (0.86 Mb) - 10/27/2025 2:08:07 PM

Job Description
The role is responsible for managing the procurement cycle through delivering effective and efficient procurement of goods and services (new requirements, contracted and non-contracted). Monitor and manage compliance with procurement policies, procedures and agreements in place. Facilitate the DBSA procurement objectives and targets through compliance with strategy and application of policies and procedures.

Key Responsibilities
KEY PERFORMANCE AREAS:
1. Planning and Standards

Disseminate procurement policies, procedures, processes, templates, delegations, and performance metrics to build awareness and promote understanding.
Train and equip business units to effectively manage or participate in procurement processes, including quotation and tendering activities.
Engage Business Managers to identify upcoming work and determine support requirements from the Supply Chain Management (SCM) Unit.
Plan and coordinate work schedules and timelines to align with sourcing and business demands.
Collaborate with business units to identify and plan for non-contracted spend through the RFQ/RFP process.
Conduct detailed analysis of procurement transactions (spend data) to identify trends, off-contract spend, policy deviations, and compliance gaps for improved planning, risk management, and reporting.
Support the SCM Unit in contributing to the successful delivery of the Division’s financial strategy and operational objectives.

2. Technical Support and Value Management

Support the financial division in delivering on the key business imperatives pertaining to cost containment, innovation, productivity and business relevance.
Work with the appropriate business unit managers to understand their operational plans, sourcing requirements, budgets, service standards and targets (cost, transformation, etc.).
Develop and maintain the demand pipeline and sourcing plan for the business.
Conduct relevant research and maintain business intelligence to support effective solutions, advice and decision making for business.
Lead and guide decisions on consolidation, rationalisation and relevance of services in line with changing business requirements and alignment to strategic imperatives such as cost containment.
Support business units with drafting specifications/requirements for quotes and tenders.
Support the tender unit and business with analysis of quotes and tender documentation/submissions
Negotiate prices, terms and conditions with suppliers and deliver savings targets to the Bank.
Provide integration and support to internal business units, decentralised operations and related partners/agencies pertaining to supply chain activities.
Facilitate training and awareness sessions for staff involved in supply chain processes to ensure understanding, compliance, and effective participation.
Support the SCM team and division during peak demand periods, staff shortfalls and ad-hoc project-related requirements.
Support the Bank and the SCM team in delivering innovative solutions to improve productivity, service levels and contribute to cost containment.

3. Procurement Execution

Procure goods and services to meet user requirements as per agreed service levels.
- Manage and administer Request for Quotation process in line with policy, delegations and SLA
- Manage and administer end-to-end Request for Proposal process in line with policy, delegations and SLA.
- Manage and administer the order process in line with policy, delegations and SLA.
- Manage and administer Order expediting and fulfilment.
Communicate contract award and impact to BU (stakeholders and change management).
Liaise and support with Legal and other relevant officials for the purposes of negotiation and contracting.
Maintain accurate records and files (manual & electronic) of all the quotation/tender data.
Maintain full compliance with defined policies, procedures, regulations and standards.
Address transactional queries, gaps in information, incorrect postings, GL, Material Groups, etc., when review and releasing PR and PO's.
Monitor transactional data for the purposes of identifying and expediently resolving deviations and risks to business and policy compliance.
Prepare analysis, comparative schedules and recommendations to RFQ/RFPs for business unit consideration and decision making.
Guide and assist business unit decision-making and solutions supported by credible market research and industry practices.
Prepare quality reports and documentation for SCM consolidation and reporting.
Support supplier performance management by tracking the level of compliance with orders placed with suppliers.
Monitor supplier performance data with business units.
Assess and resolution of supplier queries.
Resolve errors on requisitions and purchase orders as required.
Investigate and address supply non-conformances - administering product defects and recalls.
Review and action open Requisitions and Purchase Orders as per the SLA.
File/archive all source documents about each transaction (these must be complete, accurate and accessible).
Monitor price increases and communicate changes as necessary.
Contribute to items master development (catalogue and supplier).
Ensure compliance with Procurement policies and procedures.
Implement, monitor, report and manage attainment of procurement metrics / SLA.
Support the team and Division with accessing and making available information timeously to Auditors and management in the correct format, content, completeness and accuracy.

4. Reporting

Report process performance against SLA and on procurement lead times.
- Open Requisition lead-time (weekly).
- Open Order lead-time (weekly).
- Open GRV’s (weekly).
- Supplier payment lead times (weekly).
Report on deviations (weekly):
- retrospective transactions.
- deviations from the process.
- single source.
Provide a monthly report on RFQ’s and closed tenders.
Maintain trend analysis on procurement transactions (spend information) – report on non-contract spend, spend off contract and include recommendations to inform sourcing pipeline.
Prepare reports (SCM dashboard) for discussion with Business Units (Divisions) - as per the SCM
Dashboard (monthly).

Key Measurement Outputs

Procurement of quality goods and services at the best possible price and with policies.
Timely and accurate reporting.
Effective and efficient procurement and expediting of goods and services as per the service level agreement.
Performance management as per the service level agreement.
Supporting the transformation strategy.
Effective compliance with all governance requirements.
Effective, accurate and complete records management for audit purposes.
Clean audit.

KEY INTERNAL LIAISON RELATIONSHIPS:

Other Professionals in the SCM Unit.
Internal Clients and their representatives.
Technical Specialists.
Legal Unit – contracting, contract administration.
Internal Audit – governance.
Finance Unit - financial risk analysis, supplier payments.

KEY EXTERNAL LIAISON RELATIONSHIPS:

DBSA Clients - management of SCM performance against MOU.
Office of the AG – audits and governance.
DBSA suppliers and service providers
National Treasury – reporting and governance.

Expertise & Technical Competencies
QUALIFICATIONS & EXPERIENCE
Minimum Requirements:

Bachelor’s degree in Business, Engineering or Supply Chain Management related discipline with strong procurement/sourcing expertise.
A minimum of 5 years’ experience in tender management and/ or infrastructure procurement.
Experience in professional service providers' procurement for construction and allied industries.
Exposure to supply chain management within the government environment is a minimum requirement, subject to the experience of the candidate.
A strong career track record in managing the supply chain management function within a large, complex organisation with multidimensional businesses for a minimum period of 3 to 5 years.
Strong understanding of and commitment to good corporate governance, supply chain management regulations and laws and other regulatory requirements, including the PFMA.
Working experience with the SAP Procurement module or a similar ERP system.
Detailed working knowledge of the PPPFA, supply chain regulations from the National Treasury, and BBBEE
MS Office proficient.

Desired Requirements:

Member of the Chartered Institute of Purchasing and Supply (CIPS) Level 4.
Experience in Construction/Infrastructure procurement.

TECHNICAL COMPETENCIES
a) Written communication

Understands that different writing styles are required for different documents or audiences.
Write effective correspondence, prepare questions and reports, statements of circumstance and briefing notes.
Review others’ documents for clarity and impact.
Has a solid mastery of writing principles such as grammar, sentence construction, etc.

b) Presentation skills

Can reinforce key presentation points with examples.
Is able to translate technical terminology into language understandable to the audience.
Has insight into the audience’s behaviour and motivation and responds appropriately and professionally, adapting communication style as appropriate.

c) Problem Solving

Identifies complex problems based on a broad range of factors, many of which are ambiguous or difficult to define.
While remaining guided by organisational values, identifies optimal solutions, thinking first in terms of possible approaches and flexibilities in the system vs. blind adherence to rules or procedures.
Implements solutions to complex problems, then evaluates the effectiveness and efficiency of solutions and identifies needed changes.
Solution and deadline oriented with the ability to manage bottlenecks effectively.
Ability to ensure all governance and compliance requirements are met with the aim of eliminating potential inappropriate and corrupt practices.

d) Stakeholder Management

Actively engages partners and encourages others to build relationships that support DBSA objectives.
Understands and recognises the contributions that staff at all levels make to delivering priorities.
Proactively manages partner relationships, preventing or resolving any conflict.
Adapts style to work effectively with partners, building consensus, trust and respect.
Delivers objectives by bringing together diverse stakeholders to work effectively in partnership.

e) Data Collection and Analysis

Skilled in the use of advanced/complex analytical techniques.
Is able to use judgment to decide upon the most appropriate analytical techniques according to the situation.
Recognises underlying principles, patterns, or themes in an array of related information, and determines whether additional information would be useful or necessary.
Through an in-depth understanding of the business environment, reviews outputs of analysis to identify anomalies and concludes, relating these to operational circumstances.
Can model a range of scenarios covering all potential business circumstances and highlight potential risks/opportunities.

f) Reporting

Designs / customises reports to meet user needs.
Prepares complex or tailored reports, gathers information from a variety of sources, analyses and includes in a report.
Keeps standard reports under review and proposes improvements to meet user needs.

g) Planning and Organising

Plans and manages multiple priorities and deadlines.
Is relied on to help others plan and organise their workload.
Uses advanced time management processes effectively to deal with high workloads and tight deadlines.
Organises, prioritises and schedules tasks so they can be performed within budget and with the efficient use of time and resources.
Achieves goals in a timely manner, despite obstacles encountered, by organising, reprioritising and replanning

h) Financial Acumen

Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies, and community.
Effectively prepares budgetary submissions and forecasts for own department.
Knows the internal and external factors that impact resource and asset availability.
Is able to interpret management account reports in an operational/commercial context and take action as appropriate to maximise revenues and control costs.

Required Personal Attributes
BEHAVIOURAL COMPETENCIES
a) Achievement Orientation

Delivers work on time and quality and follows through on agreed commitments.
Views new work experiences as an opportunity for growth.
Reacts immediately to overcome setbacks/or obstacles in order to meet goals. Recognises and acts upon current opportunity.
Make specific changes to systems and processes in order to improve efficiency and quality.
Formulates own objectives and action plans in order to achieve a measurable improvement in the future.
Implies an intention to persuade, convince, influence, or impress others (individuals or groups) in order to get them to go along with or to support own agenda.
The ability to adapt to and work effectively within a variety of situations, and with various individuals or groups. Flexibility entails understanding and appreciating different and opposing perspectives on an issue, adapting one’s approach as the requirements of a situation change, and changing or easily accepting changes in the job requirements or DBSA as a whole.

b) Attention to details

Double-checks the accuracy of information or work.
Ensure that the work produced doesn’t contain any errors.
Reflects a concern for monitoring and checking work or information for correctness/quality.

c) Conceptual and Analytical thinking

Uses knowledge of theory or of different past situations to look at the current situation.
Applies learned concepts across various situations.
Understanding a situation, issue, problem, etc. by breaking it into smaller pieces, or tracing the implications of a situation in a step-by-step way.

d) Customer service orientation

Makes self fully available, especially when the customer is going through a critical period.
Requests ongoing feedback from customers and takes action in response to it; manages to retain and capitalise on existing customers.
Takes the ‘extra step” to resolve customer issues appropriately, even in cases where they do not fall under their own area of responsibility.
Is aware of the level of service offered by the competition and provides more for customers than they expect.
Anticipating, meeting and exceeding the needs and expectations of customers. This implies working together with customers to build long-term relationships and focusing one’s efforts on delivering increased customer value. A customer may be an external customer or an internal customer/colleague within DBSA.

e) Decisiveness

Acts promptly to address urgent needs, taking quick decisions which need to be taken.
Assesses available information to reach a clear view of key options and selects the best option at the time.
Thinks on their feet when necessary.
Has the confidence and ability to take timely and appropriate decisions to further business objectives. It includes investing a level of effort which is appropriate to the decision at hand and ranges from taking routine decisions promptly to making decisions which may be risky or unpopular and require the use of judgment.

f) Integrity

Publicly admits having made a mistake.
Speaks out when it may hurt a trust relationship.
Ability to ensure all governance and compliance requirements are met to eliminate potential inappropriate and corrupt practices.

g) Self-awareness and self-control

Feels an impulse to do something inappropriate and resists it.
Resists temptations to act immediately without thinking, but does not take positive action.
Feels strong emotions 9such as anger, extreme frustration, or high stress) and holds them back.
Does not do anything but restrain feelings (does not act to make things better).

h) Strategic and Innovative thinking

Feels an impulse to do something inappropriate and resists it.
Resists temptations to act immediately without thinking, but does not take positive action.
Feels strong emotions such as anger, extreme frustration, or high stress) and holds them back. Does not do anything but restrain feelings (does not act to make things better).
Does not do anything but restrain.

Policy
The Development Bank of Southern Africa will endeavor to make appointments in line with its Employment Equity Policy and Plan. Applications from suitably qualified designated groups, especially people with disabilities, are encouraged.
The DBSA corporate culture fit requires clear, logical and analytical thinking grounded in good interpersonal skills, a sense of urgency and results orientated execution of duties. The ability to work collaboratively and finding practical yet innovative solutions is critical to success in a work environment that demands emotional resilience, accountability and responsible risk taking and management.
The DBSA reserves the right to amend or remove vacancies in line with organisational requirements.
All vacancies can be viewed on the DBSA website (www.dbsa.org) under Careers.

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