Corporate Credit Manager

Empowering Africa’s tomorrow, together…one story at a time.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job Summary

• A member of the Corporate team and will be the credit expert to nominated Relationship Managers working with a defined portfolio of high value, complex and sophisticated customer connections, acting as the conduit to Credit for sanctioning purposes.
• Develop practical and appropriate credit solutions (i.e. Lending structures) through understanding customer’s needs.
• Deliver high quality and consistent, credit applications, making recommendations.
• Monitor and control nominated accounts within designated portfolios and Maintain integrity of credit reporting as opposed to core banking system and update financial information.
• Closely work with corporate colleagues to achieve customer satisfaction and deliver high quality service.

Job Description

Key accountabilities

Credit Risk Management

Time split: 60%

·        Assess a customer’s business through the analysis of Business and Credit risks associated with the provision of the Bank’s products and services to the customer

·        Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams

·        Be the joint contact for credit management purposes for accountants, solicitors and other professionals

·        Preparation of good quality credit applications with paper attachments for recommendations to the Sanctioned (ultimate approval authority).

·        Responsible for managing financial information produced by customers

·        Monitor and Control quality of portfolio using ‘Condition of Sanction’ triggers where possible and in accordance with internal guidelines and policies – Discussing with Sanctioned trigger events if they give cause for concern, advising the Relationship Manager simultaneously  

 

Business Risk

Time split: 20%

·        Work in partnership with Relationship Managers on new and existing credit applications, providing guidance on credit appetite and consulting with Credit team as appropriate

·        Deliver service in line with agreed business needs

·        Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers

·        Attend customer meetings with the Relationship Manager if credit related issues are to be discussed/need to be resolved

·        Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions

·        Support and contribute to specific industry focus as determined by the Corporate and Credit teams

 

Team Working

Time Split: 10%

Output:

• Develop and maintain a close working relationship with Relationship Managers and Credit Managers.

Risk & Control - Time Split: 10%

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards
• undefined

 

Competencies and Skills

• Risk assessment; analytical and numerate skills (acquired through credit courses attended and successfully completed)
• Awareness of credit programs and IT skills
• Inter-personal skills
• Communications and presentation skills
• Negotiation Awareness of local & regulatory guidelines 

Knowledge and Expertise

·        Understanding of Corporate Banking business and People strategy

·        Detailed understanding of Absa Bank Ghana strategies and objectives

·        Sound understanding of external business, legal and regulatory environment and impact

·        Broad knowledge or appreciation of the banking sector, credit management

. Top graduate calibre with a passion for creating a legacy.

Education

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