Job Description

Empowering Africaxe2x80x99s tomorrow, togetherxe2x80xa6one story at a time.With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job Summary To develop tactical strategy and delivery plans, formulate associated practice/s and to ensure operational implementation and adoption i.t.o. credit risk management methodology, practice, governance and delivery objectives.The Credit Origination Manager is responsible for managing and overseeing the end-to-end credit origination process. This includes taking ownership of limiting Risk by reviewing and approving credit applications, assessing creditworthiness, developing relationships with clients, and ensuring compliance with credit policies and regulations. The role also involves managing the delivery of a team, collaborating with internal stakeholders, and driving business growth by identifying new credit opportunities.Key Responsibilities:Credit Origination & Approval:

• Oversee the credit origination process, from client application to credit decision.
• Analyze and assess client financial data to determine creditworthiness.
• Review credit applications and ensure that all relevant information is gathered.
• Approve or reject credit applications in accordance with company policies and guidelines.

Client Relationship Management:

• Develop and maintain strong relationships with new and existing clients.
• Act as the main point of contact for clients throughout the credit origination process.
• Provide expert advice to clients on credit products and solutions.

Risk Management & Compliance:

• Ensure compliance with credit policies, procedures, and regulatory requirements.
• Collaborate with the risk management team to evaluate and mitigate risks associated with credit transactions.
• Monitor ongoing credit performance and take corrective actions when necessary.

Team Leadership & Management:

• Lead and coach a team of credit analysts who form part of the trio relationship with the banker team.
• Ensure Quality applications are delivered consistently by the team within agreed SLAxe2x80x99s
• Provide guidance, training, and performance evaluations to ensure team success.
• Foster a collaborative and high-performing work environment by creating a client service culture in all we do
• Encourage the team to generate ideas and seek out opportunities to share knowledge and build on their knowledge

Business Development:

• Identify new business opportunities and potential clients for credit products.
• Collaborate with sales and business development teams to drive growth in credit origination.
• Monitor market trends and competitor activities to stay ahead of industry developments.

Reporting & Analysis:

• Prepare reports on credit origination activities, performance metrics, and portfolio performance.
• Provide insights and recommendations to senior management regarding credit risk exposure and business opportunities.

Continuous Improvement:

• Continuously assess and refine credit origination processes to improve efficiency and reduce risk.
• Stay up to date on industry best practices and regulatory changes.
• Participate in Strategic project to enhance the efficiency of the business

EducationBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.Absa Bank Limited reserves the right not to make an appointment to the post as advertised

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