Empowering Africa\u2019s tomorrow, together\u2026one story at a time.<\/p>\n
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.<\/p>\n
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\nJob Summary
\nThe role is responsible for credit risk structuring, evaluation, and sanctioning of lending proposals within the Business Banking segment. It involves ensuring high standards of credit quality, portfolio integrity, and regulatory compliance while supporting business growth through prudent credit decisions.
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\nJob Description
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\nCredit Risk Management (60-70%)
\nOutputs:<\/p>\n
Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit applications. Maintenance of these standards both personally and as part of the Corporate Credit Team.
\nSole lending discretion (depending on personal experience\/accreditation).
\nExercise judgement and discretion in the evaluation and approval\/decline of higher risk classification credit proposals
\nProvide feeds into business and credit policy development, where appropriate.
\nProvide feeds into credit process development, where appropriate
\nImplementation and on-going delivery of business and credit policies and processes
\nResponsibility for personal adherence to governance, compliance, and lending portfolio controls.\u00a0 Ensuring own conformance to policy and procedures within the Corporate Credit Function, including proactive management of agreed responsibilities for Data Integrity
\nMaintain interactive relationship with Conformance Team
\nAdvise on risk reward and challenge pricing where appropriate.<\/p>\n
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\nBusiness Risk Partnership (20-30%)
\nOutputs:<\/p>\n
Deliver service in line with agreed business needs
\nWork in partnership with country colleagues and proactively anticipate, respond to, and seek to exceed the expectations of customers
\nWork with country colleagues, providing post application based coaching and discussion where appropriate to ensure effective development and delivery of bespoke Risk solutions for customers
\nProactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions and development of people<\/p>\n
Contribute towards the Team operating within cost budgets making recommendations for \u2018working smarter\u2019.<\/p>\n
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\nStaff Management (5%)
\nOutputs:<\/p>\n
Supporting the team leaders in delivering effective performance development for individuals within the team.
\nDriving proactive application of Absa Behaviours both personally and throughout the team and coach and support colleagues within the Team.<\/p>\n
Managing relationships with all key stakeholders to ensure that the larger Absa team is pulling together.<\/p>\n
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\nEducation
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\nBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
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