Career Opportunities at Absa Group Limited (Absa)

Job Summary

• To deliver dynamic customer service by answering incoming calls timeously, resolving customer queries and upselling other idirect Insurance products on offer. Offer financial advice to the customer and handle retentions.

Job Description

• Customer Satisfaction Call Resolution Quality Assurance of service and calls Compliance

Education

• Further Education and Training Certificate (FETC)

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Job Summary

• To provide project management services and to develop, maintain and enhance operational business relationships. Selecting this role has a compensation & benefit impact in Kenya. Please contact Reward for details.

Job Description

• Project Management: Monitors the progression of a project at every stage and ensure that the objectives of a project are meet | Quality Assurance: Maintain a desired level of quality in a service or product, especially by means of attention to every stage of the process of delivery or production | Meeting deadlines: Completes tasks timeously | Stakeholder management: Ensure that stakeholders are identified and engaged 

Education

• National Diplomas and Advanced Certificates: Business, Commerce and Management Studies (Required)

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Job Summary

• To support the Head: Credit Portfolio Management for the effective execution of the enterprise-wide credit risk mandate as per the ERMF, with specific reference to credit risk appetite, concentration risk and credit portfolio management. The role requires the incumbent to support a portfolio review process that provides meaningful interpretation and narration of credit risk with a key focus on portfolio shape, emerging risks and concentrations. This includes:
• Aggregation of enterprise-wide credit risk and credit performance to steer and optimise the Group’s credit portfolio shape in collaboration with Business Units, Financial Resource Management and Enterprise Risk functions.
• Support the development of the Group’s credit risk appetite statements, and review and challenge credit risk appetite allocation to businesses, in consultation with Business Units and guided by the Group risk appetite statements.
• Monitoring the performance of the various Business Units relative to allocated appetite and advising Business Units around potential areas of avoidance and opportunity.
• Support the development and embedment of a concentration risk framework.
• Distilling key enterprise-wide credit risk issues impacting the Group for easy verbal and written consumption at an Executive Management and Board level.
• Supporting the embedment of credit portfolio management in the risk culture of the organisation through targeted change management initiatives across South Africa and ARO.
• Close collaboration with stress testing processes in Group Stress Testing teams for annual cyclical stress testing and ad-hoc stress testing and scenario analyses.

Job Description

Accountability: Credit Portfolio Management

• Support the setting of the Group’s credit risk appetite for RWA, Economic Capital and Earnings Volatility, and the development of any new credit risk appetite metrics and statements where required.
• Support the integrated planning process to ensure the anticipated demand and supply for credit risk appetite are appropriately aligned.
• Ensure that Business Units are being diligent, consistent and have the right momentum in delivering on the use of their appetite / capital allocation / targets and ensuring pricing models are appropriately designed and consider all key drivers to adequately account for credit risk.
• Review and challenge credit risk financial planning, stress testing processes, and credit scenario setting for performed by Business Units and Treasury Risk functions.
• Manage and monitor the credit risk policies and standards to drive growth within risk appetite and regulatory guidance.
• With support from Head: Credit Data and Risk Analytics, analyse business portfolios and deliver meaningful insights into RWA, Economic Capital, Earnings Volatility, Risk-adjusted Performance (ROEC / EP) profiles through data-driven analysis that is value-adding and actionable by business stakeholders.
• Establish and embed a credit risk monitoring framework, including portfolio benchmarks, targets, and early warning indicators to monitor portfolio trends, capture emerging risks, and monitor credit performance against risk appetite and plans.
• Perform ad-hoc stress testing, scenario and sensitivity analyses to assess impact of emerging risks on credit portfolio.
• Support economic capital model developments and refinements and assess asset correlations in close collaboration with Treasury Risk Head: Models.
• Support the Group-wide Internal Capital Adequacy Assessment Process (ICAAP) in close collaboration with Head: Credit Data and Risk Analytics.
• Support the Head: Credit Impairments and Reporting to and provide input into all credit related reporting to the board, senior management and external stakeholders as and when required, ensuring that the quality and narrative in credit reports are of a high standard and has meaningful interpretation.
• Support the development and embedment of a concentration risk framework for AGL in alignment with the board and businesses.
• Support the setting of concentration risk appetite in collaboration with Business Units as it pertains to single obligors, sectors, and other tactical/cyclical concentration risk drivers.
• Implement and embed concentration risk measurement and monitoring tools.
• Monitor concentration risk against set limits and thresholds, through understanding credit correlations and sensitivities in the Group’s portfolio.

Accountability:  Stakeholder Management

• Lead by example in building strong internal and external relationships, displaying excellent abilities to initiate strategic dialogue and listen, advice, influence, negotiate and present at different levels.
• Establish and nurture influential relationships with a wide network across the organisation in order to identify synergies and optimally leverage relationships, knowledge, services and resources to provide superior solutions.
• Participate in key risk management committees across Absa Group representing the Credit portfolio and provide thought-leadership and direction on other Absa Group portfolios.
• Actively participate in industry forums and associations to keep up to date with the latest developments in Credit Portfolio Management.

Accountability: General

• Support the delivery of change initiatives which impact Credit Portfolio Management as a strategic decision-making tool across Absa Group, with specific focus on economic capital, concentration risk, asset correlations, data analytics, monitoring, and reporting.
• Develop a culture of proactive compliance, risk management and innovation within the team and the Group Credit Risk function.
• Proactively contribute to a progressive team environment by positively driving teamwork and change.
• Participate in developing, testing, and optimising credit policies and credit risk related projects and ensuring consistency and complying to regulatory compliance with Prudential Authority rules applicable to credit risk, including Basel IV implementation

Education

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

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Job Summary

• To deliver customer support services to enhance the customer experience through the execution of predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in Seychelles. Please contact Reward for details.

Job Description

• Customer Service: Respond efficiently, accurately and courteously to all customer service matters, complaints, requests | Support the development and maintenance of processes in Customer Services Centre: Adhere to all processes in the CMP Customer Services centre and identify opportunities to improve Client Servicing processes | Monitor and control risk associated with the Customer: Ensure that all activities performed in providing Customer Services comply in all respects with Absa's risk and compliance policies and procedures as well as legal and regulatory requirements | Stakeholder Management: Establish and maintain good professional relationships with relevant stakeholders so as to remain abreast of their needs and issues and respond rapidly and effectively | Self-development: Owning and being proactive about own training and development | : | : | :

Education

• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

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Job Summary

• To deliver customer support services to enhance the customer experience through the execution of predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in Seychelles. Please contact Reward for details.

Job Description

• Customer Service: Respond efficiently, accurately and courteously to all customer service matters, complaints, requests | Support the development and maintenance of processes in Customer Services Centre: Adhere to all processes in the CMP Customer Services centre and identify opportunities to improve Client Servicing processes | Monitor and control risk associated with the Customer: Ensure that all activities performed in providing Customer Services comply in all respects with Absa's risk and compliance policies and procedures as well as legal and regulatory requirements | Stakeholder Management: Establish and maintain good professional relationships with relevant stakeholders so as to remain abreast of their needs and issues and respond rapidly and effectively | Self-development: Owning and being proactive about own training and development 

Education

• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

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Job Summary

• Responsible for the transformation to an insights-driven channel led organisation by automating standard reporting and enabling self-service insights. Use of advanced analytics/data science that leverages data to enhance growth, profitability and improve operational efficiency.

Job Description

Job Objectives:

Develop information driven insights to identify trends and opportunities and provide solutions based on these insights.

• Manage data analysis and interpretation including modelling and simulation.
• Devise and promote creative data visualization to derive actionable intelligence.
• Forecast the performance of data relative to business needs.
• Develop recommendations based on data interpretation and analysis to transform behaviours.
• Develop automated tools and dashboards with IT team to provide insights to business data.
• Design data integration from multiple systems into manageable data warehouses and analytic data models.
• Proactively improve analytic approaches, methodologies, data and reporting capabilities.
• Translate data analytics findings into actionable business insights.
• Critically evaluate information gathered from multiple sources and reconcile conflicts.
• Develop and deliver compelling presentation using data and graphics to communicate insights and implications for decision making.
• Provide subject matter expertise for all data related processes and analysis.
• Actively participate and influence continuous improvement to the organisations data warehousing and Business intelligence solutions with a motive for eliminating redundant and manual data extraction and processing.
• Extract meaning from complex data relationship and develop reports to enable effective use of the resulting knowledge.
• Change methodology and ensure implementation across all projects
• Work with business to develop and implement change management strategies and plans that maximize user adoption and proficiency and minimize resistance by increasing benefit realization, value creation, ROI and the achievement of business results and outcomes.

Education

• Bachelor's Degree: Information Technology

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Job Summary

• The CustomerOne [powered by Salesforce] program is one of the largest strategic initiatives in the organization which seeks to deliver one world-class CRM system across the enterprise, with well-defined and documented processes and improved ways of work - to realize our strategic ambitions. We work alongside our business stakeholders to help them transform their businesses and deliver high-quality experience for our customers, across products and service.
• We are seeking a Journey Lead / Product Owner with subject matter expertise to own projects on our Salesforce enterprise roadmap, working closely with a team of Salesforce Project Managers, Administrators, Technical teams and internal business stakeholders across various levels and various Business Units.

Job Description

• The Journey Lead fulfills the role of Product Owner in the Agile Team with the primary responsibility of maximizing the business value delivered by the team and ensuring that the delivery is aligned with customer and stakeholder needs.  Whilst the Journey Lead does not define nor own the Product or Business vision and roadmap; they work very closely with the [Business] Product Manager/s to define the Book of Work; which then translates into the product/program and team backlogs that enable the vision and roadmap.  

Roles and Responsibilities:

• Work with the Business Stakeholders (Product Managers/Heads) to create, prioritize and maintain the product backlog.
• Collaborate with the Scrum Master to ensure the product's development aligns with its original vision
• Ensure the product backlog is updated and available to the entire development team.
• Lead team scrums to define product vision, roadmap, and growth opportunities, and communicate with stakeholders throughout the project
• They actively work with the team during PI planning and ensures the team is briefed on upcoming features
• Collaborate with internal and external contacts to analyze needs and align product roadmap to strategic goals
• Work across departments and prioritize tasks for the Scrum Master based on stakeholder needs.
• Evaluate progress throughout the development process.
• Key link between business  teams and Agile teams
• Maintains good relationships with Business Owners, Product Managers , other technical/functional teams and other stakeholders
• Provides leadership and guidance to the delivery teams and resolves any blockers and risks for the team delivery
• Regularly provides business stakeholders on the status of the delivery
• Ensures the right governance is implemented and adhered to on the projects

Requirements and Skills

• Thorough understanding of Agile project/program management techniques and methods
• Excellent planning, organizational and leadership skills
• Ability to drive and deliver results through others.
• Ability to be a team player and can “roll your sleeves up” when you need to, and also are able to lead and influence product and feature conversations with all involved parties
• An analytical mindset with great problem-solving abilities
• Excellent written and verbal communication skills
• Strong influencing and negotiating skills

Education

• Bachelors degree and/ or relevant professional experience
• Project management or Agile courses preferable
• Large transformational programme experience is a must
• Strong proficiency with Microsoft products, including MS Excel and MS Project.

Education

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

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Job Summary

• To provide advanced project management services and to develop, maintain and enhance operational business relationships.

Job Description

Project Management:

• Monitors the progression of a project at every stage and ensure that the objectives of a project are met

Quality Assurance:

• Maintain a desired level of quality in a service or product, especially by means of attention to every stage of the process of delivery or production
• Ensure that timelines are met
• Manage team in such a way that deadlines are met

Stakeholder management:

• Ensure that stakeholders are identified and engaged.

Qualifications and Experience:

• BSc Computer Science or equivalent 3 year IT qualification
• The candidate should have at least 3 - 5 years project management experience on a complex project.
• 2-3 years in a role delivering technology solutions (Scrum Maser, BA, SA, Developer, PM, Etc. )   
• Stakeholder engagement experience including at a junior, senior & executive levels.
• Experience in reporting information at different forums to meet the needs of the audience.
• Experience using tools like Power Point, MS Excel, MS Project, Jira & Confluence
• Strong interpersonal skills
• Strong drive for delivery/outcomes and mobilisation of resources.
• Strong knowledge of Agile ways of working
• Understanding of Scaled Agile Principles
• Experience in requesting feedback on required services and resolving impediments experienced by other team members
• Experience in retail and digital is ideal
• Demonstrated experience in presenting and interfacing with Senior Executives
• Strong negotiation and influencing skills

Education

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

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Job Summary

• Coverage Banker to provide Corporate and Investment Banking coverage to NBFI client base(focus on Insurers and Asset Managers).

Job Description

• Opportunity to join Cape Town Coverage Banking team as NBFI Corporate Banker. Will be appointed to own the primary relationship with a defined client based, namely Insurers and Asset Managers. Will drive client solutioning managing the deal from inception to closure. Role is suited to a degreed individual with min 6 years Coverage Banking experience. Successful incumbents will have Corporate and Investment Banking product knowledge ideally with existing NBFI client relationships. Candidate must be FAIS accredited.

Education

• Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)

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Job Summary

• To manage the daily business and deliver key projects as required by the stakeholders. Liaise with businesses across the area on strategic and operational plans; people change agenda and facilitating the area wide global interaction and integration.

Job Description

• Business Management: To provide specialist advice and support in assisting to manage and deliver on projects | Dealing with Stakeholders: Taking responsibility for managing the expectations of stakeholders | Managing Others: Take responsibility for the effective management of others | Ensure that timelines are met: Manage team in such a way that deadlines are met 

Education

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

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Job Summary

• Optimise the profit and economic value of portfolios of Premium Business key account clients requiring high complexity commercial banking requirements by focusing: a) origination efforts to quire new clients; b) cross-sell to existing client base; c) coverage efforts to service clients in accordance to the segment CVP

Job Description

• Drive Financial Targets: Maintain primary ownership of a portfolio of Growth Account clients, differentiated by the level of complexity of the client base
• Relationship and Service Management: Actively develop strong client relationships. Conduct regular client visits in accordance with the Commercial Growth Account Value Proposition and initiate changes to ABB Product by providing input into product development to better service our clients
• Manage Risk Assessment: Adhere to the bank's policies and procedures and ensure compliance. Take ultimate ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments.
• Collaboration : Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required.

Education

• National Diplomas and Advanced Certificates: Business, Commerce and Management Studies

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Job Summary

• To provide specialist advise and support in the analysis, development, organisation, and maintenance of data quality, through the execution of predefined objectives as per agreed (SOPs).

Job Description

• Role profile not received: Please contact your People Function business partner 

Education

• Higher Diplomas: Physical, Mathematical, Computer and Life Sciences (Required)

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Job Summary

• We're looking for a talented writer to work on mainly web and digital projects. A good sense of marketing, strong writing skills and an ability to think (and think creatively) is what we want! If you like to own your work and projects, think strategically and write to solve problems please give us a call!

Job Description

The candidate will work on writing:

• Digital content
• Web content
• Communications
• Marketing
• Scripting
• The candidate will be expected to apply of appropriate voice and tone in line with Absa brand, apply consistent content standards, manage capacity of requests from line managers or business and deliver within agreed timelines.
• For digital platforms candidate will engage in creating and/or refining any on-screen copy, content pages, and FAQs to create an enhanced user experience and achieve business objectives.
• For web content candidate will be required to create content that will assist in marketing, explaining and driving uptake of Absa products.
• For general communications candidate will also be required to engage in creating emails, messaging and general communications both internal and external based on business/departmental requirements. 
• For marketing candidate will be required to describe and sell products in an engaging and effective manner.
• From a design perspective and as part of the Design Office, the candidate will also be required to contribute by making suggestions around product direction, positioning, functionality, and tone for all content within projects.
• Candidate must have the ability to work within and contribute to a team. As well as be a good fit with the culture of the Design Office and contribute to the furthering of Design Office growth within the organisation.

Skills required:

Excellent command of the English language

• Spelling
• Grammar

A basic understanding of :

• User Experience (UX)
• Customer Experience (CX)
• User Interface design (UI)

The ability to craft copy that aligns with the various segments of the population including culture, age and income level:

• Understanding target markets
• Crafting copy that is persuasive
• Crafting copy that resonates with targeted customers

The ability to craft digital copy:

• Structure content into stories and themes
• Copy that is clear, concise and coherent
• Copy is readable and scans well
• Craft copy based on SEO requirements
• Translate business goals into functional digital content

An understanding of marketing:

• Headlines
• Persuasive body copy
• Small campaigns
• Scripting

Most importantly, the candidate must have an enquiring mind, an ability to think and reason, a creative outlook and a desire to learn, improve, own and create outstanding content.

Education

• Higher Diplomas: Marketing (Required)

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Job Summary

• To provide advice and support in practice formulation and associated sales and distribution best practice improvement tactics; enabling the provision of specialist expertise.

Job Description

• Sales Performance Management: Establish and drive the implementation of a strategy to enhance and optimise leads | Sales and Distribution Planning: Develop the Sales execution strategy and business plan for AFS distribution channels | Sales Opportunity Management: Establish value based strategy for all leads and sales opportunities within AIFA and | Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders, including regulators, suppliers, clients, service providers, business partners and other Absa entities

Education

• Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)

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Job Summary

• Participate in learning programme/s in order to maximise individual and organisational development benefit/s through the execution of predefined training objectives.

Job Description

• Workplace experiences: Attend and participate in all workplace experiences against agreed development objectives | Learning: Attend and participate in all training and development interventions against agreed development objectives | Ad Hoc duties: Provide support to customers and team as required to ensure team performance on an ongoing basis | Administration: Effectively fulfil all required administrative duties, including tracking and reporting.

Locations for vacancies:

• Rustenburg Beyers Naude drive
• Potchefstroom Mooiriver Mall Cnr Nelson Mandela drive and Thabo Mbeki Road

Education

• GET Certificate: Business, Commerce and Management Studies (Required)

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Job Summary

• Produce hyper-personalised creative content for various types of engagement assets such as but not limited to email, SMS, In-app Messages, digital banners, call scripts, newsletters, case studies. Provide marketing material that informs customers of business & service offerings in tone and imagery relevant to specific target personas. Role is suitable for a professional copywriter who has a passion for creating customer centric engagement content

Job Description

• Produce hyper-personalised creative content for various types of engagement assets such as but not limited to email, SMS, In-app Messages, digital banners, call scripts, newsletters, case studies. Provide marketing material that informs customers of business & service offerings in tone and imagery relevant to specific target personas. Role is suitable for a professional copywriter who has a passion for creating customer centric engagement content

Content Strategy & implementation:

• Understanding of target audience quantitative and qualitative insights to derive content engagement strategy
• Defining of appropriate engagement tone for various customer personas
• Designing of visual guidelines and requireents for engaging with various persona groups

Content Design:

• Design of content required for all personalised engagements earmarked by personalisation team
• Create new content templates, and other assets that can be used across channels to ensure brand compliant content
• Management of content delivery process in collaboration with internal and external stakeholders
• Understanding of channel requirements and limitations for content execution, working closely with Marketing Technology team

Content Governance & management:

• Management of content approvals processes with relevant stakeholders
• Design and manage content libraries to enable reuse of content for future engagement
• Management of paid content to ensure archiving of expired content and abiding by brand use regulations

Stakeholder Management:

• Actively promote and manage the collaborative engagement of internal and external stakeholders, including technology partners, suppliers, service providers, business partners and other Absa entities
• Collaborate with CVM, marketing, brand, product, analytics, and channel stakeholders to drive role objectives
• Collaborate with Strategic Marketing and digital teams for alignment of Above the Line, Below the Line and Digital marketing and engagement campaign messaging

Risk and Governance:

• Ensure the implementation of, and conformance to, Group Risk and Compliance requirements within the operating environment, in line with set risk appetite
• Ensure the fulfilment of all required governance activities

Education and experience required

• NQF 7 level qualification
• 3+ years of relevant copywriting, journalism, or content creation/marketing experience
• Minimum of 3 years retail banking, Sales or Marketing Experience
• Proven creative writing skills

Knowledge and skills: 

• Exceptional attention to detail
• Excellent interpersonal skills
• Strong oral and written communication skills
• Content Design
• Problem solving
• Time Management
• Risk Management (Legal, reputational, operational, etc.)

Competencies:

• Customer Focus
• Problem Solving
• Self-Motivated and Collaborative
• Business Acumen
• Results Orientation
• Able to work independently and in a team environment
• Innovation

Education

• Bachelor`s Degrees and Advanced Diplomas: Communication Studies and Language (Required)

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Job Summary

• Continue the growth of Renewable Energy within Relationship Banking (RB) and establish new value propositions. Develop and continuously refine the Relationship Banking Renewable Energy strategy to position Absa as a market leader in Renewable Energy, providing thought leadership to the team of champion’s, maximizing long term value and ensuring optimization of opportunities. Oversee the implementation and execution of the Renewable Energy strategy by leveraging and coordinating the capabilities that reside group-wide.

Job Description

Accountability:  Business Management

• Ensure a climate of collaboration between all businesses supporting Renewable Energy (Product, Finance, Marketing, Communications, MI, Customer, Risk, Compliance, Fraud, Pricing, IT, Credit).
• Adequately resource team to achieve the strategic goal.
• Manage targets and take accountability for the overall achievement of performance objectives in the business area.
• Identify and consciously review the priority Renewable Energy concepts to focus the efforts of Relationship Banking to gain market share within the highest value portion of the industry.

Accountability: Strategy and Planning

• Formulation of, with the guidance of Commercial Modelling, RB Renewable Energy strategy aligned to RB strategy.
• Provide thought leadership and strategic direction to RBB Renewable Energy team and stakeholders across the Absa Group.
• Ensure that a climate of collaboration between all regions and Renewable Energy Champions within RB Renewable Energy.
• Develop and implement a sales and ways of work strategy for key Solar PV Installers and other industry experts and strategic partners.

Accountability:  Relationship and Stakeholder Management

• Provide thought leadership on Renewable Energy and the need for new or advanced models for credit risk measurements and lending standards.
• Proactively develop, maintain and expand long term relationships with all relevant role players, internally and externally.
• Create a network of external alliances and business partners to optimise opportunities for RB Renewable Energy.

Accountability:  Leadership and People Management

• Lead a team to achieve excellent operational results through continuous people development and mentoring activities.
• Ensure the development of a high-performing team through embedding formal Performance Development and informal coaching.
• Establish and maintain a succession plan for the team members using the formal Talent Management process for identified talent and an informal process for remaining roles.
• With the support from the HR Business Partner, interview and recruit direct reports.

Education

• Bachelor Honours Degree: Business Management (Required), Bachelors Degree and Professional Qualifications: Financial Sciences (Required)

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Job Summary

• To provide complex specialist advice and support in practice formulation and associated best practice improvement tactics; enabling the provision of specialist compliance expertise.

Job Description

• Ensure that all published policies and standard irrespective of last review date, remain in place, effective and auditable.
• Facilitate and ensure annual refresh of vendors (Associated Parties) is completed. Move from “periodic refresh” to “always fresh reviews.
• Ensure that additional assurance (as and when required) to address any material gaps or to gain a higher level are performed to gain comfort over that provided by Assurance Providers.
• Develop a training and awareness program for relevant stakeholders (business) including Group Functions.
• Collaborate with stakeholders on cases relating to complex ABC risk matters from the first- or second-line defense teams.
• Build strong partnerships and collaborate with Group functions and businesses.
• Conduct anti bribery and corruption risk assessments across the system and respond to line of business inquiries regarding policy and regulatory compliance.
• Drive continual enhancements of the firm-wide ABC Compliance Programme
• Handle the disposition of ABC pre-clearance requests, including advising, reviewing and approving/rejecting business high-risk expenditures, third parties, hiring practices requests.
• Deliver anti bribery and corruption training and more generally raising awareness across the bank.
• Collaborate with the advisory teams and other control functions within the bank and management in all lines of business.
• Monitor the changes in anti-bribery and anti-corruption laws and regulations
• Support periodic risk-based reviews of ABC related internal controls across various processes and functions
• Ensure that high risk due diligence reviews are completed within the prescribed review cycle in order to comply with the Bank’s policy and all applicable regulatory requirements.
• Ensure enhanced due diligence investigations are completed; analyzing due diligence data and identifying possible risks; collaborating with business owners to discuss findings, risks, and possible mitigating measures.
• Review contracts with the Third party to ensure contracts comply with the Anti-Bribery and Corruption compliance requirements.
• Maintain constructive regular engagement with relevant stakeholders, including business, infrastructure and regulators.
• Provide accurate and timely compliance and regulatory advice to the business as a second line of defense.
• Manage new regulatory requirements by evaluating regulations (local and international) identified as relevant to the business and provide an impact analysis relevant to the business.
• Address impacts, including policy amendments, business notifications and provision of training.
• Keep Business appraised of notifications distributed by the regulator impacting the business.
• Analyse Key Indicators to identify trends and emerging risks.
• Drive innovative solutions for the issues and challenges in ABC Risk.

Education

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

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Job Summary

• The overall job purpose of an Asset Finance Analyst is to ensure that credit applications and dealer approvals are of an acceptable risk profile, appropriate quality and conforms to Absa Credit’s lending policy and that applications are timeously compiled and submitted for credit assessment. The Asset Finance Analyst also supports the front-end sales team’s short and long-term objectives and deals with a range of credit requests even in the absence of the Business Development Officer (BDO).

Job Description

Accountability: Prepare Credit Applications

• Liaise with Business Development Officer (BDO) / Relationship Executive (RE), clients and other stakeholders to understand the process or requirements of credit applications for all clients concerned.
• Conduct research on the industry in which the client operates to understand the industries overall profitability, industry trends and client’s market standing relative to its competitors.
• Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals for commercial asset finance in terms of the clients’ credit risk implications.
• Maker use of clients’ historical data for example, its financial statements to forecast the clients potential growth and sustainability. Conduct a sensitivity/scenario analysis to determine the impact that a change, in for example the economy, political situation, consumer demand, etc. will have on the clients’ financial health.
• Based on analysis conducted structure a commercial asset finance lending solution for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank’s credit lending policies and appetite.
• Compile a proposal which summarizes the clients background and commercial asset finance needs, the research findings and the final recommendation on which commercial asset finance credit lending solution is best for the client, for the Credit Manager to approve in the interim and escalate further for the necessary approval.
• Upon reviewing the client’s financials submit recommendations of risk mitigating value added insurance products to be added onto the finance agreement. These products will mitigate the risk to both the bank and the client.
• Facilitate the commercial asset finance credit sanctioning process by responding to sanctioned enquiries and/or attending all relevant Credit Committee meetings in order to present and sponsor commercial asset finance credit applications that have been submitted under your signature.
• Produce relevant management information and manage exposures including the maintenance of the relevant systems.
• Pro-actively manage credit risks associated with the commercial asset finance importation transactions.
• Compile commercial asset finance reviews, amendments and new applications to the appropriate lending authorities.
• Request of valuations on movable and immovable assets which serve as security for commercial asset finance facilities.
• Liaise with BDO / RE, clients and other stakeholders to understand the process or requirements of credit applications for all clients concerned.
• Gather financial information (financial statements, cashflows) to support application from client where necessary.
• Utilize applicable software to assess client financial information and submit financials through to Remote Balance Sheet Extraction Unit (RBEU) prior to updating a WEBICA
• Include the product specialist report (needs, research findings and final recommendations) as provided by BDO and include in the WEBICA application.
• Monitor credit lines on a continuous basis and ensure formal reviews at specified time intervals or arrange extensions.

Accountability: Relationship Management

•  Liaise with RE and BDO consultants / or clients in order to achieve acceptable levels of approved credit facilities.
• Accompany RE / BDO Consultants to client visits in order to obtain relevant financial information and understanding for the credit process.
• Liaise with group legal and prepare relevant master agreements for signature by client.
• If the CAF BDO is unable to meet with the client, the BA must be responsible in signing the asset based finance credit agreements with clients and provide the necessary FAIS advice.

Accountability: Compliance

• Ensure that all of the Bank’s credit policies and philosophy are fully complied with at all times, and that any policy breaches have been suitably addressed and mitigated against.
• Ensure adherence to the Absa Business Bank credit Policy and other relevant legislation, for example during the application preparation process.
• Ensure adherence to commercial asset finance target market criteria and that all deviations is suitably addressed and mitigated against.

Accountability: Reporting

• Communicate to the RE / BDO Consultants the credit committee’s decision either through e-mail or a written document, where required.
• Provide weekly status report to the Regional Managers indicating completed work, work in progress and pending credit applications, as well as approval ratios.
• NQF level no. 7
•  Essential: 3 Years financial statement analysis in credit environment. 
• Preferred: Credit Risk Assessment experience

Education

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