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.
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About the Job
Job Summary
- Provides financial services to meet client specific needs to promote, market and sell Financial Solutions in accordance with relevant legislation, to meet sales targets and achieve strategic business objectives.
Job Description
- Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets | 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.
- Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards | Customer Experience: To provide service excellence and achieve customer satisfaction
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies
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About the Job
Job Summary
- To provide holistic financial planning solutions telephonically for clients through regular reviewing the client’s portfolio in order to build a sustainable Virtual advisory practice.
Job Description
- Establish and maintain a professional relationship with all stakeholders (Client, Bank personnel, Product providers, Virtual Advisors and Virtual Agents) telephonically Meet sales and/or growth targets Personal Development Manage own broker practice
Education
- Further Education and Training Certificate (FETC)
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About the Job
Job Summary
- In this role you will be responsible for delivering and administering all procedures pertaining to the processing of Trade Finance related products and services as received from Trade Middle Office post fit for processing checks and within required SLAs. This includes but is not limited to Letters of Credit, Documentary Collections, BGIs (Bonds, Guarantees and Indemnities), Open Accounts products e.g. RF, SRF, SF. FI Trade and Trade Loans, Irrevocable Reimbursement Undertakings (IRUs
Job Description
Your key accountabilities will include;
- Performing transaction processing with a high degree of accuracy and in accordance with policies and procedures.
- Fulfilling all functions relating to reconciliations, settlements, monitoring and reporting requirements.
- Acting as a consultant or releaser for various transactions however would not be able to do and release its own transactions.
- Processing client instructions within agreed Service Level Agreement (SLA)
- Checking that all information received is in accordance with the required standards.
- Validating and obtaining an exchange rate where necessary
- Capturing Excon Rulings as received and in accordance with Central Bank requirements
- Capturing the correct Balance of Payments (BOP) category.
- Ensuring that signatories, indemnities and credit have been authorised
- Providing a high quality of service to all clients within agreed SLAs
- Ensuring high quality of communication to internal and external clients, both verbal and written.
- Ensuring adherence to quality standards to avoid risks to the Bank through effective & efficient management of transactions.
- Drawing Day End listings and action accordingly to ensure that all work received is and actioned on the same day.
- Providing suggestions to the line manager on improvements and solutions based on knowledge of the trade value chain.
Send in your application if you have;
- An applicable Degree or Diploma with 3 to 6 years related experience
- 3 to 5 years in Trade Finance Products
- Preferably with CDCS – Certified Documentary Credit Specialist (For FI and Documentary Trade)
Education
- Higher Diplomas: Business, Commerce and Management Studies (Required)
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About the Job
Job Summary
- Provide superior, seamless customer experience and offering suitable solutions to meet client needs. Utilise technology and leverage the virtual omni-channel environment, to deliver service in an efficient and cost-effective manner. Perform banking duties and oversee the financial activities for business and individual customers.
Job Description
Income Growth and Financial Targets:
- Ensure a deep understanding of client's working capital cycle and business needs to provide appropriate solutions. Drive achievement of targets as per individual scorecard.
Customer Focus:
- Proactively drive acquisition and cross-sell initiatives through re-engagement processes. Ensure service and complaints resolution are within acceptable service level agreements.
Compliance and Risk Management:
- Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards.
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
- Higher Diplomas: Business, Commerce and Management Studies (Required)
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About the Job
Job Summary
Overall job purpose
- To provide specialist actuarial support that enables sound commercial advice through the application of probability & investment theory and related statistical tools and the execution of predefined objectives as per agreed standard operating procedures to support sound management of business performance and financial risk.
Job Description
Key accountabilities
- Perform basic actuarial production processes under direct supervision, to support sound management of business performance and financial risk.
Processes may include:
Analytics and financial reporting to ensure accurate financial reporting and support management decision making:
- Preparation and analysis of data as inputs to actuarial calculations such as reserving
- Production of management information
- Production of experience analyses as an input for basis setting / pricing exercises
Product development and management to enable business performance and drive customer value, including:
- Production of competitor and technical product analysis as an input to product design
- Formulation of product specifications
- Running models to ensure accurate financial reporting and support management decision making at a basic level, for inputs to processes such as reserving or business case modelling
Education
- Bachelor's Degree: Actuarial Science
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About the Job
Job Summary
- We are looking for a skilled and innovative Specialist Platform Engineer to join our IT team. In this role, you will be responsible for designing, implementing, and optimizing our collaboration and communication systems, with a focus on Microsoft Exchange Online, Microsoft Teams, Microsoft VIVA, Exchange Server, and Office 365 applications. Your expertise will ensure efficient and secure communication, collaboration, and productivity within our organization.
Job Description
Key Responsibilities
Collaboration Environment Management
- Administer and optimize Microsoft Exchange Online Microsoft Teams, Exchange Server, and Office 365 applications.
- Design and maintain a robust collaboration environment.
Integration and Customization
- Integrate and customize collaboration tools to meet business requirements.
- Collaborate with IT teams to ensure seamless integration with other systems.
User Support and Training
- Provide technical support to end-users for collaboration tools.
- Develop and deliver training to promote effective usage.
Email Flow and Security
- Optimize email flow and security protocols to ensure reliable and secure communication.
- Implement anti-spam measures and compliance standards.
Infrastructure Design and Maintenance
- Design, implement, and maintain Microsoft Exchange Server infrastructure.
- Monitor and optimize server performance and capacity.
Office 365 Apps Management
- Manage and optimize the deployment and configuration of Office 365 applications.
- Customize and extend app functionality to meet specific business needs.
Security and Compliance
- Implement security measures across collaboration and communication tools.
- Ensure compliance with data protection regulations and company policies.
Qualifications
- Bachelor's degree in Computer Science, Information Technology, or related field (or equivalent work experience).
- Proven experience Microsoft Exchange online, Teams and VIVA, Exchange Server, and Office 365 administration and management.
- Microsoft certifications in relevant areas
- Microsoft 365 Certified: Enterprise Administrator Expert
- Microsoft Teams Administration
- Exchange Server certifications
- Azure Certifications
Education
- Bachelor's Degree: Information Technology
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About the Job
Job Summary
Overall job purpose
- To provide specialist actuarial support that enables sound commercial advice through the application of probability and investment theory and related statistical tools and the execution of predefined objectives as per agreed standard operating procedures to support sound management of business performance and financial risk.
Job Description
Key accountabilities
- Perform basic actuarial production processes under general supervision to support sound management of business performance and financial risk.
Processes may include:
- Analytics and financial reporting to ensure accurate financial reporting and support management decision making:
- Preparation and analysis of data as inputs to actuarial calculations such as reserving
- Production of management information
- Production of experience analyses as an input for basis setting / pricing exercises
- Production of actuarial exercises such as reserving, capital, and pricing
- Product development and management to enable business performance and drive customer value, including:
- Production of competitor and technical product analysis as an input to product design
- Formulation of product specifications and implementing product enhancements
- Running models to ensure accurate financial reporting and support management decision making at an advanced level:
- For inputs to processes such as reserving, capital, pricing or business case modelling
- Development of and maintenance of spreadsheet models
- Management of stakeholders to enable alignment and efficient delivery of business objectives through coordinating activities, planning deliverables, and tracking and reporting progress
Education
- Bachelor's Degree: Actuarial Science
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About the Job
Job Summary
- To provide advice and support in practice formulation and associated best practice improvement tactics; enabling the provision of specialist human resources expertise.
Job Description
Key Accountabilities:
- Talent Acquisition and Selection: Define and ensure implementation of innovative sourcing strategies that will enable the establishment of a diverse pool of talent geared to meet the evolving needs of the Cluster Workforce Plan.
- Proactively explore all available channels and processes to build diverse pools of talent. Develop and drive a cost saving resourcing strategy for the Cluster and proactively explore solutions which will decrease the dependency on external resourcing partners by implementing creative direct to market talent capturing solutions; i.e. Headhunting, Talent Mapping, establishing candidate data base, advertising on web based job search sites, researching competitors, building industry networks, attending industry Specific events and fairs, partnering with Government Labour Agencies, tapping into Global networks etc.
- Manage the delivery of search strategies designed to recruit senior and niche candidates.
- Partner with Group Talent to deliver an increased capability for internal mobility by ensuring that internal Candidates are considered before moving to external sourcing solutions.
- Advise hiring managers on which candidates to progress to the next stage, ensuring the right recruitment decisions are made, challenging the business’ recommendations as required and work with Cluster head to compile high Remuneration package offers and buy-outs.
- Ensure timely on-boarding of all hires and adherence to on boarding policies and procedures.
- Identification of critical senior vacancies – build proactive pipelines and agree transformation plans with the Cluster seniors including targets and timelines.
- Drive the Group’s transformation agenda. Together with HR Head, identify key senior roles for succession planning in the portfolios | Stakeholder Management: Liaise with BU Stakeholders in order to gain a comprehensive view of their Core Business, Strategic Objectives Employee Value Proposition and Culture. This understanding and interaction will drive the Placement of the right candidate, with the right skill and the ability to thrive in the relevant environment.
- Build a Resourcing scorecard for the Business Unit by which these metrics can be presented and managed through discussions at the BUs Management Forums.
- Ensure effective interaction with, and responses to candidates, building sustainable relationships, setting and managing expectations clearly, identifying and resolving the root cause of any issues and escalating as required. Drive level of excellence within the Resourcing Team.
- Encourage frequent knowledge sharing between team members. Determine and analyse development needs for the team and ensure that identified training requirements are budgeted for and executed.
- Business Management: Drive Strategic Resourcing Agenda through managing relationships with stakeholders, extended HR Community and Resourcing teams.
- Based on gaps identified, motivate requests to the manager for additional resources including people, budget and equipment. Obtain a thorough understanding of the Cluster’s strategy and explain it to team members in such a way that they understand the contribution they have to make.
- Explain targets and take accountability for the monitoring and achievement of performance objectives in the department in terms of employee satisfaction, customer experience, cost performance, return on investments, risk, compliance and governance requirements.
- Conduct basic statistical analysis to track performance variances and determine the root causes of errors.
- Make recommendations for productivity or process enhancements to process owners. Implement productivity improvement measures by coaching staff on any new processes or on their areas for improvement.
- Populate balanced scorecards for the specific department on a monthly basis.
- Participate in the measurement and reporting of internal and external Service Level Agreements on a monthly basis.
- Address any process failures specific to the department under management
Qualifications:
- B Degree (Human Resources) or related field
- HR Certifications/memberships (an advantage)
Knowledge/Skills/Experience:
- 3-5 years relevant Talent Acquisition experience
- Solid knowledge and understanding of the Talent Acquisition value chain end to end
- Commercial mindset / commercial acumen
- Digitally savvy
- Effective communication
- Strong stakeholder engagement and management
- Corporate Talent Acquisition experience in financial services (preferred)
Education
- Bachelor`s Degrees and Advanced Diplomas: Human and Social Studies (Required)
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About the Job
Job Summary
- The role of Senior Finance MI Business Analyst in the CIB MyMI team will be accountable for analyzing, investigating, collaborating, implementing and maintaining Management Information (MI) and Business Intelligence (BI) solutions. The Senior Business Analyst will collaborate with cross-functional teams to collectively decipher requirements and apply intimate knowledge of data systems in the context of the core business.
- This role requires the person to understand finance, be able to understand business processes, be able to analysis data and be able to use tools such as SQL to aid them in providing an optimal solution that fits into the MyMI stack and satisfies stakeholders needs. This all needs to be done while ensuring that we adhere to all governance and controls.
- The ability to problem solve is a must in this role.
Job Description
Accountability: Management Information (MI) and Business Intelligence
- Engage with internal business and technical stakeholders to understand requirements and ensure objectives, priorities and key requirements are agreed and understood.
- Interpret data and identify issues, risks and opportunities and relate results and insights to Business users.
- Conceptualize, design and build Management Information (MI) / Business Intelligence (BI) models in support of business requirements.
- Oversee integrity of reports, both when developing new reports as well as when executing existing scripts to ensure data is accurately presented.
- Engage with business unit stakeholders to develop easy to use reporting (databases, cubes and build them into MI )
- Liaise with external contracted suppliers to implement new solutions required by business users
- Construct and execute Structured Query Language (SQL) database queries to extract needed data. This includes new and existing data queries
- Support the reverse engineering of existing solutions where required
- To be able to data mine, analyse and solve issues that arise.
Accountability: Governance and Control
- Create project plans where necessary in order to better manage required outcomes and coordinate with other team members to timely deliver a working product.
- Ensure compliance to policies, legislation and regulations and that staff compliance training and attestations are in place
- Adhere to the core Data Governance disciplines as defined by the Data Governance Organisation (DGO) when performing business intelligence activities within the SBU (business unit). This includes: data quality management information lifecycle management and information security and privacy.
- Conduct integrity checks on all extracted data to ensure correct data is incorporated into the reports.
Accountability: Relationship Building & Networking & Research
- Develop and maintain relationships within relevant business units understand their requirements and gather feedback.
- Work with stakeholders (Business Units, Group Technology etc) to create and maintain a portfolio of technology MI, utilising consistent and validated data sources
- Check that information is correct as it is the only source of input and incorrect reporting could have financial and brand implications for the Absa Group
- Stay abreast of knowledge and skills relevant to the level and area of work, as well as actively seeking to attain those required for the next level of work
- Develop a thorough knowledge of various systems and related reporting.
- Recommend changes to the way of work in accordance with best practice industry standards.
- Work with the end users and client team members to define application functional and usability requirements. Ensure that other project team members understand the implications of functional and usability requirements.
- Educate users where required on the design or how to utilise the solution.
Education and Experience Required
- Minimum Requirements - Bachelor’s Degree in Mathematics, Statistics, Business or similar with a focus on analytics, business information management or equivalent NQF level 6 qualification
- Preferred Requirements - M sc. Statistics / M Com. Informatics / B.Com Honours
- Five (5) years relevant experience in Business Intelligence / Management Information.
- Proficient in MS Office (Word, Excel, PowerPoint and Outlook)
- Working knowledge of Business Intelligence tools i.e Business Objects, QlikView, Data warehouse
- Previous experience in dealing with cross functional and multiple jurisdiction team would be advantageous
- Experienced in senior stakeholder management
Knowledge & Skills:
- Able to mentor and transfer knowledge, skills and abilities
- Expert Data analysis skills – constantly analyse data to improve understanding of client behaviour
- Advanced Computer Literacy using all tools (e.g. Excel, SAS, SQL, etc.)
- Professional verbal and written communication skills
- Basic knowledge of the Regulatory and Industry standards in Financial Services
- Competent report writing skills
- Lateral and Strategic thinker with an appreciation for the “holistic” approach to managing information
- Stay abreast of knowledge and skills relevant to the level and area of work as well as actively seeking to attain those required for the next level of work
- Advanced Analytics knowledge, skills and abilities
- Excellent understanding of Corporate and Investment banking products
Competencies:
- Persuading and influencing
- Delivering results and meeting customer expectations
- Deciding and initiating action
- Learning and researching
- Entrepreneurial and commercial thinking
- Relating and networking
- Adapting and responding to change
- Creating and innovating
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
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About the Job
Job Description
- Seasoned fixed income trader to join Global Markets team and be responsible for execution and managing fixed income trader whilst analyzing market conditions, assessing risk and developing trading strategies to generate profits.
- Suited to an individual with a minimum of 10 years relevant trading experience, Strong analytical and quantitative skills coupled with in depth knowledge of fixed income markets and full range of products. Proficiency in trading platforms essential. #LI-DNI
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
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About the Job
Job Summary
This role will manage monthly reporting processes and the end-to-end planning processes from forecasting thought leadership, to planning, monitoring and evaluation throughout the annual financial calendar. This includes focus on business analysis and insights to providing business intelligence to inform and influence leadership decisions, all while reducing financial risk. The incumbent is expected to drive process efficiency and improvement. It will further include commercial financial modelling.
- The incumbent partners with the CFO and is responsible for end-to-end financial management, including developing forward-thinking analysis, generating management reports, scaling automated financial processes to crafting financial strategies aligned to business financial health and growth objectives, and ensures that business makes sound financial decisions.
- The role is responsible to co-create, build and run Finance capabilities required to lead to exponential growth and business effectiveness.
- End-to-end accountability and responsibility for finance MI, financial and management reports, forecasts, and business performance analysis.
- Partners with the CFO and MD to transform, bring stewardship, financial integrity & insights to the current state of the business & its future possibilities to deliver on and to achieve the business strategy objectives set by Absa Group Limited for Relationship Banking.
- Support the CFO in managing the treasury and funding activities of the business.
Job Description
Commercial Finance Execution Accountabilities
- Responsible for tactical strategy and the navigation of multiple/complex leadership.
- Leveraging tactical and practice integration, accountable to optimise the function. Co-accountable with CFO and MD for business growth and profitability.
- Ensures that the CFO is appraised of key financial issues that need to be raised with executive leadership to enable integrity and timely management.
- Deliver on our Customer Promise by creating unprecedented, seamless experiences.
- Embrace our distinctive brand aspiration and infuse in business.
- Implementation and creating of global best operating practices.
- Drive continuous process efficiency, financial rigor and controls. Pioneer and implement Finance best practices, digital solutions, and effective change enablement. Help build a scalable, digitally led business.
- Drive cost management objectives within Savings and Investments.
- Contribute to functional strategy, create a shared purpose and identity for function; one family doing what’s ‘best for Absa’.
- Book of work contribution: Partner with leaders on financial decisions and implications of business strategies, investments, trade-offs, efficiency, and scale initiatives, including process and systems transformation. Ensure alignment of core business with future business and technology changes and align vendor roadmaps to ensure the achievement thereof.
- Accountable for ensuring an optimal and compliant control environment within business unit that appropriately balances risk appetites and customer demand with the need to grow to achieve the financial ambitions and balance sheet aspirations of Savings and Investments. and Everyday Banking.
- Lead all aspects of the core finance processes for Savings and Investments. in support of Everyday Banking Finance (annual planning, forecasting, spend trajectory and reporting), and partner with the business leaders to evaluate the productivity of operations, enable wise resource allocation, and drive intelligent scenario planning.
- Stimulate a leadership context of solid understanding of the markets/segments/customers/products to help drive financial growth.
- Perform product and customer profitability analysis to assist with business decisions.
- Build capability to partner with business to identify opportunities to utilise relevant solutions to innovate new products and services with the intent of driving customer value and revenue.
- Whenever necessary, participate in negotiations with partners as well as suppliers or contractors within appropriate role scope.
- Foster strong relationships with business units by establishing a customer service culture within the commercial finance team.
- Influence integration of Treasury, Risk, and Finance from a BU perspective.
- Maintain stewardship and excellence which drives performance and sustainable growth through preservation of financial integrity.
- Leverage BU to help shape society by developing innovative solutions to societal challenges; and expand and augment existing capabilities.
- Integrate oversight of BCM & cybersecurity strategy for BU into Finance execution.
- Understanding of balance sheet management, balancing capital consumption, risk appetite and returns as well as managing the liquidity and funding of Savings and Investments.
- Understanding of IFRS 9 as well as overall credit portfolio management
- Take a commercial view on business and provide contextual insights into performance reports. Provide insights across the markets and products. Provide management with key finance and strategic insights which can assist in driving management decisions
- Integrate advanced modelling and analysis capability to provide actionable intelligence, beyond data within the function.
- Rigorously monitor expenditure against approved budgets for and put measures in place to address variances.
- Continuously identify areas for improved efficiency and reduced cost.
Financial Reporting Accountabilities
- Partner with leaders to define, optimize and monitor progress on their strategic agenda, short-term and long-term plans and investments, operational success metrics, efficiencies, risks and mitigations.
- Develop finance narratives and insights driving business; and build pioneering new propositions.
- Ensure appropriate, quality and timeous delivery of accurate financial and non-financial management information to support business objectives and expectations, including appropriate financial and non-financial metrics, valid and insightful comments and packaging the information in a relevant and appropriate manner.
- Deliver reporting reflecting deep commercial, holistic understanding, coherency, clarity, and contextualisation. Tell the story with passion and conviction.
- Provide thought-leadership, insight, influence and challenge on evolving stakeholder information requirements and reporting processes to deliver analytics.
- Drive the stakeholder engagement and processes around month-end, year-end and planning cycles across Consumer Products. Prepare for all cycles in advance and ensure adequate engagement with the relevant finance and business teams
- Integrate the production of regular, high quality, standardised financial and non-financial reporting and analytics to Business and Finance.
- Ensure that the CFO & MD are appraised of key financial issues that need to be raised with executive leadership
- Build Savings and Investments leadership capability by influencing deep understanding of income statement, balance sheet, margin returns, variance analysis, capital and liquidity requirements, revenues, assets, liabilities and capital, expenses, headcount analytics and other key ratios through relevant engagement. Hold Savings and Investments managers accountable for ensuring adaptability of the team to changes in external regulatory requirements and business performance outlook.
People Investment Accountabilities
- Coach, inspire, engage, mentor and develop finance and business savvy leaders.
- Play to our A-Game culture of Culture of inclusivity, diversity, entrepreneurship, and ownership.
- People Promise will be integral to our business. Focus on Finance skills development and succession.
- Integrate Big Data and Advanced Analytics into the core of our business.
- Develop specialised Finance skills to support mergers and acquisitions, and partnership capabilities to drive opportunity.
- Provide thought leadership to the industry and aim to create industry benchmark standards.
- Be an enabler of capabilities, talent and service level to fulfil business and functional responsibilities in an innovative efficient manner.
- Lead the Finance team in obtaining a holistic view of Savings and Investments, whilst ensuring that each direct report maintains an in-depth understanding of his/her own functional area.
- Regularly engage with the other finance and Savings and Investments teams regarding the process surrounding demand management, ensuring that adequate controls are in place to ensure effective utilisation of the Finance team’s resources.
- Embed the correct governance and control frameworks across the Finance team, as well as for proactively addressing any deficiencies and exceptions.
Role / Person Specification
- Minimum B-degree (NQF level no.7) Desired Post Graduate Degree (NQF level no.8+), CA (SA) or CIMA or MBA qualification preferred.
- 5+ years professional financial management experience
- 5+ years Banking Experience at a management level
- Preferred team lead in Finance Function teams or in professional environments
- Experience in business transformation contexts related to exponential business growth
- Experience in commercial innovation environments
- Broad Finance including strategic, commercial, legal, risk and operational aspects
- Ability to build, develop & lead professional level teams
- Understanding of the financial services sector within a professional business environment
- Knowledge of people change management
Education
- Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required)
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About the Job
Job Summary
- The main purpose of the role is to deliver credit assessment, credit portfolio management and lending decisions within mandate / personal discretion for high value and complex Relationship Banking clients as well as stakeholder engagement with key credit and business solution deliverables.
Job Description
Credit Risk Assessment & Portfolio Management
- Consider mostly high value and complex credit applications in order to determine lending appetite, financing solutions and structures (i.e. capital, long-term, working capital) to adequately meet the financing needs of Absa Business Banking clients in mostly the Key and Premium CVP’s. Approve credit applications in accordance with approved lending criteria in line with Absa's lending policies and standards.
- Mitigate financial and other credit risks for Absa and its clients by requesting security in line with the credit policy.
- Participate in the formulation and implementation of lending strategies, risk appetite and lending criteria by providing feedback and suggestions to the Sector Head based on market trends, actual client interaction / experience and industry research.
- Manage critical success factors with Relationship Executives (RE's) and Credit Teams to ensure that appropriate credit risk decisions are taken by pro-actively communicating and interacting with RE's in order to solution client financing needs.
- 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.
- Ensure high standards of credit discipline are applied to portfolio monitoring and control activities, especially unauthorized excesses, unrated exposures and overdue reviews by referring to the relevant credit systems, i.e. Global Credit Information System (GCIS), Credit Management System (CMS) or Review Manager.
- Maintain credit records as required per standard instructions in terms of GCIS and other recording systems by verifying for correctness and forwarding GCIS templates for uploading to the GCIS capturing team.
- Maintain awareness of Basel, South African Reserve Bank (SARB) and other regulatory requirements by attending workshops and referring to relevant training material and circulars.
- Ensure that up-skilling is maintained in terms of industry-specific and lending principles in general by attending workshops, reading / studying of industry related publications and participating in training.
Business Management
- Maintain a network of internal stakeholders and industry professionals to maximize financial benefit for the Bank and to stay abreast of best practices by attending industry workshops, seminars and conferences.
- Management of credit and impairment risk to maintain an appropriate level of impairment and classification of Early Warning List (EWL) clients by referring relevant cases to the Business Support department and completing required strategy sheets, i.e. financial information, background, value of security.
- Assist the Business Support department with the management of high value and complex high risk client exposures from a specialist industry perspective by means of client visits, completion of strategy sheets (including suggested solutions), attending monthly impairment meetings to provide specialist input.
- Adherence to governance, compliance and lending portfolio controls and management information by referring to relevant policy guidelines and circulars.
- Responsible for the sharing of specialist knowledge and experience, including provision of technical solutions, innovative ideas and best practices within own and across other credit teams, specifically also to junior credit managers and relationship executives 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.
Customer Service
- Maintain a professional image (appearance, industry knowledge, etc.) of BB Credit during all client interactions.
- Maintain minimum agreed levels of interaction with relationship executives and clients in the Key and Premium CVP. Identify additional income generating opportunities when dealing with customers and add exceptional value to all customer relationships when interacting directly with customers.
- Provide solutions to clients and RE’s by being pro-active, solution driven and client focused.
Support
- Promote the Business Banking Credit with relationship teams, junior credit sanctioners, external customers and industry specialists (i.e. academics, scientists, industry leaders) by delivering excellent service, quick turn-around and professional advice.
- Support team members in terms of stand-in portfolio management during client visits, leave and other "out-of-office" requirements by team members.
- 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.
- Provide innovate solutions to enhance working / output and relevance of Business Banking Credit by making suggestions to improve the output and value-add of the credit team.
Qualifications
- Minimum 5-8 years’ experience in Agricultural Credit Sanctioning
- Post Graduate degree in finance/accounting/agriculture
- Minimum 5-8 years working experience in Banking and/or financial services.
- Agricultural studies will be beneficial
- Agriculture specific Experience
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
Method of Application
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