Manager Credit at Absa South Africa

Job Summary

• To deliver credit assessment, credit portfolio management and lending decisions within mandate / personal discretion for Medium and Large Business Banking clients. as well as stakeholder engagement with key credit and business solution deliverables

Job Description

• Credit Risk Assessment & Portfolio Management:
•  Consider credit applications in order to determine lending appetite, financing solutions and structures to adequately meet the financing needs of Absa Business Banking clients in mostly the Growth and Premium CVP’s. Approve credit applications in accordance with approved lending criteria in line with Absa's lending policies and standards, delivering excellent service and quick turn-around.
•  Monitor and manage a dedicated portfolio of clients against agreed Absa Business Banking strategies and portfolio credit requirements in order to improve the overall quality of the portfolio by referring to approved credit
• policy and target market criteria.
•  Participate in the formulation and implementation of lending strategies, risk appetite and lending criteria by providing feedback and suggestions to the Regional Credit Manager based on market trends, actual client
• interaction / experience and industry research.
•  Ensure that up-skilling is maintained in terms of industry-specific and lending principles in general. Share specialist knowledge and experience, including provision of technical solutions, innovative ideas and best practices with a primary aim to enhance external customer value.
•  Proactively adopt, execute and implement change initiatives agreed with Business Banking Credit management in support of overall BB Credit strategy and change initiatives.

Controls and Governance:
Apply the highest standards of controls and risk management practices and behaviours and embed a positive risk and control culture. Demonstrate prudence, sound judgement and appropriate and timely escalations in the management of all types of risk applicable to the role.
Stakeholder Engagement:
* Build & protect highly effective relationships with key stakeholders and industry professionals, such that value to the organization is maximised.
* Be a role model for the desired credit culture:
Maintain strong partnerships, have intelligent conversations, be a senior statesman and a trusted advisor .
* Be a role model for client engagement and demonstrate value add at every engagement.
* Contribute to the upskilling and mentoring of front line colleagues.
Team Support:

•  Maintain and support a positive working environment in the larger Business Banking Credit Team by supporting
• team members, proposing pro-active solutions to problems, etc.
•  Identify opportunities to improve the value add of the credit team.

Education

Bachelor`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