Job Description<\/p>\n
Risk Management<\/p>\n
\tMonitor client\u2019s performance on a continuous basis for risk indicators and perform formal reviews at specified time intervals to identify any changes in the client’s business or operating environment.
\n\tMonitor adherence of covenants and conditions on a continuous basis and discuss any deviations and possible concerns with Sales team and escalate to Line Management and Credit if necessary.
\n\tAdhere to ARMS credit requirements as stipulated in the Absa credit policy. Monitor and report boundary events in terms of the Operational Risk Boundary.
\n\tObtain input from Product Industry Specialist, where appropriate to assist in client solutioning and credit application process.
\n\tIdentify the need for a meeting between high-risk clients, Credit and Business Support.
\n\tRequest updated valuations on properties that serve as security for facilities in line with Absa Credit policies.
\n\tManage and communicate the risks associated with outstanding securities.
\n\tPro-actively identify problematic \/high-risk clients and advise Credit, accordingly, manage them with a view to provide special input and implement loss preventative measures i.e., EWL Reports.
\n\tRequest and manage outstanding Financial Statements as stipulated in the Absa Credit policy.
\n\tAction and manage daily Odex, Referrals, REPL and REPC. Contact clients that are on the referral listing for rectification.<\/p>\n
Credit Management<\/p>\n
\tExplore new, improved, and alternative ways of solutioning client credit requirements.
\n\tAdhere to Bank\u2019s credit policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed and mitigated.
\n\tProvide bank codes and reports on clients.
\n\tPro\u2010actively manage credit risks associated with the portfolio of clients and their related products.
\n\tManage and drive the deal forum process to ensure quality applications are submitted to the sanctioners with sustainable credit solutions.<\/p>\n
Portfolio Financial and Operational Management<\/p>\n
\tCompile reviews, amendments, and new applications to the appropriate lending authorities.
\n\tIssue facility letters to clients after reviews have been compiled and new facilities granted.
\n\tDraft and issue letters of reminder when facilities expire according to policy requirements, for example 30-, 60- and 90-day letters.
\n\tContribute to the Non\u2010Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to avoid revenue leakages.
\n\tSpread client’s financials on the various Credit Risk Grading models i.e., Agri Model, Public Sector Model, RiskCalc Model and Triad.
\n\tProvide the Default Grading (DG) output from the Credit Risk models.
\n\tCapture all information on the various risk grading models 100% accurately by checking that all the models balance.<\/p>\n
Client Solutioning and Customer Service<\/p>\n
\tIdentify cross sell opportunities from analysis of Client’s financials, account conduct and industry change and pass on to Relationship Executive\/Transactional Banker as a lead.
\n\tBe part of the solution by attending sales best practice sessions with relevant stakeholders, give credit input to mitigate risk on the identified product offering or new acquisition, and monitor progress on the sales funnel, until the lead is converted into a deal.
\n\tConduct research on the industry in which the portfolio clients operate, to understand the industries overall profitability, industry trends and clients market standing relative to their competitors<\/p>\n
Teamwork and Self Development<\/p>\n
\tAttend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
\n\tDevelop supportive relationships with colleagues and create a sense of team spirit.
\n\tCommunicate concerns or challenges that derive from team interactions in a constructive and positive manner.
\n\tDevelop and maintain contacts with Specialists in other areas of Relationship Banking and the Group.
\n\tKeep abreast of regulatory changes through regular training.
\n\tMonitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
\n\tDemonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA’s values and vision.<\/p>\n
Competencies:<\/p>\n
\tPlanning and organising
\n\tWorking with people
\n\tWriting and reporting
\n\tFinancial analysis
\n\tApplying expertise and technology
\n\tEntrepreneurial and commercial thinking
\n\tPersuading and influencing<\/p>\n
Minimum Qualifications\/Requirements<\/p>\n
\tBachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Credit Risk with five years or more of relevant work experience.
\n\tStrong computer skills and experience with Microsoft Office, especially Excel.<\/p>\n
Education<\/p>\n
\tBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)<\/p>\n
End Date: March 21, 2026\u00a0<\/p>\n
go to method of application \u00bb<\/p>\n
Apply via company website ( https:\/\/www.absa.africa\/absaafrica\/ ) or<\/p>\n
<\/p>\n","protected":false},"author":2,"featured_media":0,"template":"","meta":{"_promoted":"","_job_location":"","_application":"","_company_name":"Absa Group Limited (Absa)","_company_website":"https:\/\/www.absa.africa\/absaafrica\/","_company_tagline":"Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise the possibilities on our continent and beyond. We're a truly\u00a0African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique... read more, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in Namibia and Nigeria, as well as insurance operations in Botswana, Kenya, Mozambique, South Africa, Tanzania, and Zambia. Absa Towers West, 15 Troye Street, Johannesburg, Gauteng, South Africa, 2000","_company_twitter":"","_company_video":"","_filled":0,"_featured":0,"_remote_position":0,"_job_salary":"","_job_salary_currency":"","_job_salary_unit":""},"job_listing_region":[19],"job-types":[12],"class_list":{"0":"post-31895","1":"job_listing","2":"type-job_listing","3":"status-expired","4":"hentry","5":"job_listing_region-limpopo","7":"job-type-full-time"},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-listings\/31895","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-listings"}],"about":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/types\/job_listing"}],"author":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/users\/2"}],"wp:attachment":[{"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/media?parent=31895"}],"wp:term":[{"taxonomy":"job_listing_region","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job_listing_region?post=31895"},{"taxonomy":"job_listing_type","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/southafrica\/wp-json\/wp\/v2\/job-types?post=31895"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}