Senior NBFI Credit Analyst - CIB Risk at Absa South Africa

Job Description

Risk Management

• Providing Subject Matter Expertise to Risk types.
• Stakeholder Management: Build and Maintain effective Relationships with relevant stakeholders.
• Risk Reporting: Identify, assess and Report key risks arising from significant events, investigations, audit and control issues.
• People Management: Develop a high performing Team and management thereof.
• Risk and Control: Adherence to Policies, Procedures and Regulations.

Risk Adjusted Management

• To conduct quality credit risk assessments and present commercially minded solutions through analysis of financial, industry and economic information in support of the decision-making process.
• Pro-actively manage credit risks associated with a portfolio of clients.  
• Complete industry research and compile portfolio reviews and sensitivity analysis.
• Facilitate the end-to-end lending or restructuring process assuring responsibility for service and quality.
• Actively interact with the client service team giving credit input to ensure responsible risk taking whilst retaining commercially minded solutions.
• Facilitate / and or make the credit sanctioning decisions ensuring responsible risk decisions are made.
• Maintain and manage the relevant Risk portfolios within the defined appetite levels.
• Stakeholder engagement to ensure commercially minded solutions in the decision-making process at an agreed risk profile.
• Pro-actively manage the lending portfolios of the chosen sector or part of credit lifecycle and credit risks associated with a portfolio of clients.
• To be an expert with an advanced understanding of Macro economic environment, industries and Bank products with the associated risks.
• Review and enhancement of systems and processes with a view towards efficiency and automation whilst managing the current operational environment.
• Explore new, improved and alternative ways of lending or restructuring credit to ensure an efficient and improved end to end risk delivery.
• Build strong relationships with both global and local internal and external stakeholders.
• Effectively communicate developments within areas of activity to all relevant stakeholders.
• Ensure an efficient and timely risk delivery to clients.

Data and System Management 

• Complete industry research and compile portfolio reviews and sensitivity analysis.
• Develop, negotiate and implement appropriate Risk mitigation strategies.
• To produce relevant management information and manage exposures including the accurate maintenance of the data on relevant risk systems.
• Monitor adherence of covenants and conditions on a continuous basis and identify any deviations and possible concerns.
• Create and maintain an accurate due diligence record of the client portfolio, detailing what facilities they have and the associated terms and conditions.
• Understand and manage the required inputs into the bank’s models ensuring validity and accuracy.
• Monitor the client business performance and identify relevant risks to ensure early identification of change in the client’s business or operating environment and watchlist accordingly.
• Proactively utilize the systems and tools available for Credit Risk and partake in the ongoing development and feedback of these systems to deliver and enhanced automated credit function.
• Manage all administrative and operational aspects of the relevant portfolio of clients ensuring completeness, accuracy and validity of data.

Governance

• Ensure that the Bank’s credit policies and philosophy are complied with.
• Ensure understanding and adherence to relevant Legal requirements relevant to the Credit Lifecycle and specific industry.
• Regulatory legislation and the changing environment require an up-to-date knowledge of changes and the impact on credit risk and capital adequacy.
• Complete the necessary training requirements and Compliance processes in a timely manner.

Stakeholder Engagement

• Support the credit heads in creating a high-performance culture of individuals who are engaged.
• Portraying the right values and behaviors are portrayed in the achievement of the Risk Strategy.
• Attend team meetings and contribute fully, including suggestions for ways of improving risk delivery and management through ongoing projects.
• Develop relationships with colleagues and create a sense of engagement.
• Communicate concerns or challenges faced in a constructive and positive manner.
• Develop and maintain contacts with Specialists in other areas of the Group.
• Embrace and adapt to the diversity and change within the current Banking environment.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to the Credit Risk Strategy.

Education and Experience

• B-degree in Business or Commerce (or similar)
• Relevant postgraduate qualification such as CA / CFA/ MBA and/or 3 to 5 years’ experience within a credit risk environment.

Education

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

End Date: June 17, 2025 (11 days left to apply)