Senior Credit Risk Analyst

Empowering Africa's tomorrow, together...one story at a time.With over years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job SummaryAs 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 DescriptionAccountability : 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 : GovernanceEnsure 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 industryplete the necessary training requirements and Compliance processes in a timely manner.Accountability : TeamSupport 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 engagementmunicate 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 : ClientsRepresent 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 RequiredB-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).

EducationBachelor Honours Degree : Business, Commerce and Management Studies (Required)Absa Bank Limited is an equal opportunity, affirmative action employer.

In compliance with the Employment Equity Act 55 of

• , preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.Absa Bank Limited reserves the right not to make an appointment to the post as advertised

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