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Senior Credit Analyst-VP

Absa Group LimitedZA

30+ days ago

Job description

Job title : Senior Credit Analyst-VP

Job Location : Gauteng,

Deadline : December 31, 2025

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Job Summary

Manage a portfolio of clients within the Resources & Project Finance Credit Risk team.

To conduct quality credit risk assessments and reviews that present commercially minded solutions through analysis of financial, industry and economic information in support of the decision-making process.

Facilitate the credit sanctioning process to ensure responsible risk decisions. This will include the preparation of credit applications and the presentation of recommendations to the relevant risk committees.

Accountability for the full credit lifecycle of the portfolio including granting of facilities, implementation, systems, post-implementation monitoring.

Ongoing management of the portfolio through portfolio reviews and management information.

Independently building and managing relationships with key relevant business partners to ensure delivery under the organization’s strategy.

Ensure an efficient and timely risk delivery to clients.

Job Description

Accountability : Credit Risk Management :

To take ownership and control of credit risk related work on a defined portfolio of Resource & Project Finance 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.

Presentation of portfolio risk analysis to the relevant risk committees.

Developing and delivering relevant Monthly Risk MI for Senior Management, including analysis and commentary, ensuring risk issues on the defined portfolio are well understood and presented transparently.

Manage exposures including the 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.

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 banks 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 utilise 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 : Other

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.

Education and Experience Required

B-degree in Business or Commerce (or similar)

Relevant postgraduate qualification such as CA(SA) / CFA preferable with 5 years experience within a credit risk environment or relevant sector experience (Mining, Oil & Gas, Project Finance).

Education

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

End Date : August 29, 2025

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