Job Description

Empowering Africas tomorrow, togetherone 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 support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle to create shared growth within the boundaries of internal policies and external regulations for Growth Business clientsJob Summary
The purpose of the role to conduct an in0depth, specialised and quality credit
assessment and risk analysis on potential and a High Value Portfolio, to
enhance the decision-making process involved in determining the Bank's
appetite to extend credit to these clients. Financial analysis, interpretation and
capturing of client information (company financial statements) and qualitative
data.Risk Management: To conduct quality credit risk assessments and reviews, Proactively manage credit risks associated with clients, Develop data driven strategies, facilitate the credit sanctioning process to ensure responsible risk decisionsData and Systems Management: To produce and analyse relevant management information and insights managementGovernance: Ensure the bank's credit, philosophy and all relevant legislation is adhered toCustomer Management: Investigate and resolve all escalated customer complaints.Credit Management
xc2xb7 Explore new, improved, and alternative ways of solutioning client credit requirements.xc2xb7 Adhere to Banks credit policies and procedures and ensure that they are fully complied with and that any
policy breaches have been suitably addressed and mitigated.
xc2xb7 Provide bank codes and reports on clients.
xc2xb7 Pro0actively manage credit risks associated with the portfolio of clients and their related products.
xc2xb7 Manage and drive the deal forum process to ensure quality applications are submitted to the sanctioners
with sustainable credit solutions.
Portfolio Financial and Operational Management
xc2xb7 Compile reviews, amendments, and new applications to the appropriate lending authorities.
xc2xb7 Issue facility letters to clients after reviews have been compiled and new facilities granted.
xc2xb7 Draft and issue letters of reminder when facilities expire according to policy requirements, for example
30-, 60- and 90-day letters.
xc2xb7 Contribute to the Non0Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to
avoid revenue leakages.
xc2xb7 Spread client's financials on the various Credit Risk Grading models i.e., Agri Model, Public Sector
Model, RiskCalc Model and Triad.
xc2xb7 Provide the Default Grading (DG) output from the Credit Risk models.
xc2xb7 Capture all information on the various risk grading models 100% accurately by checking that all the
models balance.Persuading and influencing
Education
Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and
Management Studies (Required)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

Absa