Steffan Gerber Email & Phone Number

Johannesburg, Gp, Za

Centurion, Gauteng, South Africa

Centurion, Gauteng, South Africa

Johannesburg Area, South Africa

• Performing a credit risk analysis of clients looking at industry, competition, management and financial structure.• Meeting clients to gain an understanding of their business to enable a good risk assessment.• Assisting deal-teams early in the deal cycle to give guidance on risk appetite, structuring and PD ratings.• Performing PD & LGD rating analysis and propose to Credit Committee.• Reviewing client debt-capacity models to ensure congruence with the risk assessment and to perform stress testing.• Write & evaluate Credit Papers for submission to Credit Committee, proposing group limits, deal structure, collateral package and other requirements.• Participate in Credit Committee, giving input as to committee questions/concerns as part of the deal team.• Ensure Country Risk limits & rating ceilings are not breached and engage with CR when we have concerns.• Ensure that the credit portfolio stays within sector appetite as decided by the Portfolio Risk Management Committee.• Liaise with Legal department to ensure facility documents execute the credit decision accurately.• Monitor covenants and ongoing conditions.• Work with in-country (Rest of Africa) credit teams as Group Credit Manager, ensuring exposures stay within group limits and terms.• Perform annual reviews of clients and monitor portfolio on an ongoing basis for signs of increasing risk and propose suitable actions.• As significant macro events/trends are identified, perform sector deep-drills identifying sensitivities within the portfolio and propose suitable responses.• Contribute to Watchlist forum, identifying new names as well as assisting in executing the strategy decided on by the forum.• Sometimes, deal with non-performing names by monitoring (and giving input to) Business Rescue/Liquidation proceedings.

Johannesburg, South Africa

• Work with Credit Execs to ensure current processes adequately address risk policies.• Constantly review processes, ensuring efficiency or efficacy gaps are identified and remedied.• Liaise with Audit/Cedit Risk Review to identify areas for improvement in credit methods/processes.• Liaise with Business Support & Recoveries to identify patterns of credit failure and propose remedies.• Working with in-country (Rest of Africa) credit teams to ensure consistency of approach across all countries, dealing with local requirements.• Liaising with Risk Governance team to identify areas of the policies/procedures that are unclear and need clarification.• Consult to IT development/architecture teams to ensure IT system capabilities complement credit processes.• Working with the Model Development (Rating Models) team to ensure data quality.• Working with Capital team to identify areas of high capital usage and proposing differences in credit methods where appropriate.• Liasing with Finance to ensure input data to provisions are accurate/complete and are obtained in the most efficient way possible.• Liasing with Product owners to identify how credit processes address product-specific risks.• Monitoring New Product Committee submissions to identify products with unique risks that require an updated credit methodology.

• Business Analyst / Subject Matter Expert for the credit risk management information system• Liaise with Credit Officers/Credit Risk Analysts to define requirements• Author Business Requirement Docs/Functional Specification• Coordinate prioritisation of requirements with business sponsors using cost/benefit• Liaise with IT developers/test teams in India/London to ensure that the requirement is understood• Plan/coordinate/execute User Acceptance Testing• Prepare/present high-level metrics to Programme Implementation Board to ensure that the program is delivering against objectives/KPIs.• Project Manager duties; budgeting, control, reporting and dependency management.

London, United Kingdom

• SME assistance to the project working group implementing an IFRS7 Fair Value Hierarchy reporting system.• Defining user role, user requirement specs• Negotiating time lines with users• Business as usual hand over• BAU documentation/process design

London, United Kingdom

• Reporting of Credit Risk exposures to Strategic Risk Management on a cyclical and ad-hoc basis.• Monthly calculation of the Bank’s Counterparty Economic Risk Capital (ERC).• Reporting of Counterparty Credit Scenario Exposures, ie potential exposure given certain “unlikely” market moves.• Calculation of EPE (Expected Positive Exposure) profiles for use in Market Credit Risk Adjustments, ie the accounting charge against Front Office profits for the amount of credit risk on their books.• Project to streamline processes in order to facilitate a smooth handover of responsibilities to another team in Singapore.Exposure to:• Credit Risk Methodology incl. aspects of Basel II• Swaps / Options / FX / Repo credit modelling

Cape Town Area, South Africa

Clients:• Old Mutual Life Assurance Company of SA• Old Mutual Unit TrustsApprox 50 unit trustsAssisting the supervision of a team of 10Exposure to fund administration, SA Compliance regulations • Coronation Unit Trusts & Hedge Funds• Investec Asset ManagementExposure to a Private Equity Fund• Prescient Investment Management (a Quantitive Investment Manager)Supervised a team of 8Exposure to asset manager accounts, pricing & valuation of instruments (including OTC derivatives) and calculation of performance fees.• Dining In (Pty) Ltd (a subsidiary of AVI – a listed SA company)• Galaxy Retirement Funds (a LISP vehicle)• Several Medical SchemesResponsibilities:• Statutory account audit, disclosure review• Risk assessment • Supervision of audit planning, fieldwork, evaluating and concluding phases• Project management of audit engagements (budgeting, timing, staffing, work delegation) from Planning to Completion• Negotiating deadlines and managing engagement teams to meet these• Coaching, development, performance management and motivation of junior staff members