Conduct quality credit assessments, provide responsible risk decisions within personal mandate level and maintain an assigned credit portfolio of clients for Business Bank Commercial & Agriculture (Growth, Premium and High Value Banking) in accordance with Absa credit policies, processes and procedures.

Job Description

Credit Sanctioning

• Perform quality credit sanctioning within the Operational Level Agreement (OLA), being cognizant of risks, solutions-driven and giving due consideration to compliance requirements.

Portfolio and Risk Management

• Pro-actively maintain and manage the assigned portfolio within agreed KPI’s.
• Accurate and timeously report high-risk accounts.
• Provide credit solutions for the timeous rehabilitation of delinquent accounts and initiate transfers to Business Support and / or Legal.
• Recovery Services (LRS) for groups / accounts which cannot be rehabilitated in the normal credit environment.

Stakeholder Management

• Build and maintain effective relationships with stakeholders.
• Be a role model for client engagement and demonstrate value add at every engagement.
• Contribute to the upskilling and mentoring of front-line colleagues.

Risk and Control

• Apply the highest standards of controls and risk management practices and behaviors and embed a positive risk and control culture.
• Adhere to policies, procedures and regulations.
• Identify, assess and report risks arising from significant events, investigations, audit and control issues.
• Demonstrate prudence, sound judgment and appropriate escalations in the management of all types of risk applicable to the role.
• similar environment at junior management level

Qualifications

• Previous credit sanctioning experience required
• Agri experience would be an advantage

Education

Bachelor`s Degrees and Advanced Diplomas: 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 1998, 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.