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Senior Credit Risk Analyst - VP

Senior Credit Risk Analyst - VP

Absa Group LimitedCape Town, ZA
15 days ago
Job description

Job title : Senior Credit Risk Analyst - VP

Job Location : Western Cape, Cape Town

Deadline : September 30, 2025

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Job Summary

  • As a member of the Corporate (Inland) Credit Risk team, the role involves managing a portfolio of clients by conducting high-quality credit risk assessments and reviews. This includes analyzing financial, industry, and economic information to deliver commercially viable recommendations that support sound decision-making.
  • The role is accountable for the entire credit lifecycle, from granting credit facilities and ensuring proper implementation on systems, to ongoing monitoring and post-implementation reviews.
  • Key responsibilities also include preparing and presenting credit applications to relevant risk committees and facilitating the credit sanctioning process to ensure responsible risk decisions.
  • The position requires independently building and managing relationships with key business stakeholders to support the organization’s strategic goals. There is a strong focus on maintaining effective portfolio management through regular reviews and delivering timely, efficient risk solutions to clients.

    • Job Description

    Accountability : Credit Risk Management :

  • To take ownership and control of credit risk related work on a defined portfolio of Corporate (Inland) clients against which Absa Group Ltd has credit facilities.
  • The candidate is to carry out comprehensive and quality credit risk functions. Functions cut across the credit lifecycle (i.e. granting, implementing, managing and restructuring).
  • Representing Credit to Senior Management in various committees, presenting analysis of the aggregate portfolio risk and composition.
  • Actively partake and provide input into deal forums ensuring that credit risk associated with new and future business opportunities is pro-actively highlighted and managed.
  • Manage exposures including accurate maintenance of the data on relevant risk systems.
  • Create presentations and technical documents designed to articulate key risks to various forums and credit committees.
  • Monitor adherence of covenants and conditions on a continuous basis and identify any deviations and possible concerns.
  • Obtain a strong understanding of Absa CIB products and the risks associated.
  • Create and maintain an accurate due diligence record of the client portfolio, detailing what facilities they have and the associated terms and conditions.
  • Manage and communicate the risks associated with outstanding securities.
  • Understand and manage the required inputs into the bank’s models ensuring validity and accuracy.
  • Monitor the client’s 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.
  • Build and manage relationships with key relevant business partners.
  • Maintain and manage the relevant portfolio within the defined appetite levels.

    • Accountability : 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.
  • Complete the necessary training requirements and Compliance processes in a timely manner.

    • Accountability : Team

  • Support in creating a high-performance culture of individuals who are engaged.
  • Contribute fully, including suggestions for ways of improving risk delivery and management through ongoing projects.
  • Portraying the right values and behaviors in the achievement of the Risk Strategy.
  • Contribute to ongoing projects to improve risk delivery.
  • 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.

    • Accountability : Clients

  • Represent Credit Risk in meetings with external clients.
  • Attend client presentations, including financial result presentations and other related events.
  • Develop and maintain indirect relationships at CFO and Treasurer level in client organisations.
  • Acquire broad industry / sector knowledge based on frequent engagements with clients and industry publications.

    • Education and Experience Required

  • B-degree in Business or Commerce (or similar)
  • Relevant postgraduate qualification such as CA(SA) / CFA preferable with 5 - 7 years’ experience within a credit risk environment or relevant sector experience (Corporate / Mid-Corporate segment).

    • Education

  • Bachelor Honours Degree : Business, Commerce and Management Studies (Required)

    • End Date : September 17, 2025

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    Credit Analyst • Cape Town, ZA