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Job Summary

• A member of the Absa Young Africa Works/Business Banking Team and will be the credit expert to nominated Relationship Managers working with a defined portfolio of high value, complex and sophisticated customer connections, acting as the conduit to Credit for sanctioning purposes.
• Develop practical and appropriate credit solutions (i.e. Lending structures) through understanding customer’s needs.
• Deliver high quality and consistent, credit applications, making recommendations.
• Monitor and control nominated accounts within designated portfolios and Maintain integrity of credit reporting as opposed to core banking system and update financial information.
Closely work with corporate colleagues to achieve customer satisfaction and deliver high quality service.

Job Description

Credit Risk Management

Time split : 65-75%

• Assess a customer’s business through the analysis of Business and Credit risks associated with the provision of the Bank’s products and services to the customer
• Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams
• Be the joint contact for credit management purposes for accountants, solicitors and other professionals
• Preparation of good quality credit applications with paper attachments for recommendations to the Sanctioner (ultimate approval authority).
• Responsible for managing financial information produced by customers
• Monitor and Control quality of portfolio using ‘Condition of Sanction’ triggers where possible and in accordance with internal guidelines and policies – Discussing with Sanctioner trigger events if they give cause for concern, advising the Relationship Manager simultaneously

Business Risk

Time split : 25-30%

• Work in partnership with Relationship Managers on new and existing credit applications, providing guidance on credit appetite and consulting with Credit team as appropriate
• Deliver service in line with agreed business needs
• Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers
• Attend customer meetings with the Relationship Manager if credit related issues are to be discussed/need to be resolved
• Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions
• Support and contribute to specific industry focus as determined by the Corporate and Credit teams

Team Working

Time Split : 10-15%

Output:

• Develop and maintain a close working relationship with Relationship Managers and Credit Managers.

Education

Higher Certificates and Advanced National (Vocational) Certificates: Business, Commerce and Management Studies (Required)