About this role
Empowering Africa’s tomorrow, together…one story at a time.
With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.
Job Summary
- A member of the 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 business banking colleagues to achieve customer satisfaction and deliver high quality service.
Job Description
Key accountabilities
Credit Risk Management
Time split: 60%
- 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 Sanctioned (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 Sanctioned trigger events if they give cause for concern, advising the Relationship Manager simultaneously
Business Risk
Time split: 20%
- 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.
Team Working
Time Split: 10%
Output:
- Develop and maintain a close working relationship with Relationship Managers and Credit Managers.
Risk & Control - Time Split: 10%
- Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards
- undefined
Competencies and Skills
- Risk assessment; analytical and numerate skills (acquired through credit courses attended and successfully completed)
- Awareness of credit programs and IT skills
- Inter-personal skills
- Communications and presentation skills
- Negotiation Awareness of local & regulatory guidelines
Knowledge and Expertise
- Understanding of Banking business and People strategy
- Detailed understanding of Absa Bank Ghana strategies and objectives
- Sound understanding of external business, legal and regulatory environment and impact
- Broad knowledge or appreciation of the banking sector, credit management
- Top graduate calibre with a passion for creating a legacy.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)