With over 100 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.
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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
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 Sanctioner (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 Sanctioner 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%
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
Understand and manage risks and risk events (incidents) relevant to the role.
Competencies And Skills
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.
Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)