Credit Officer Ecm Credit Lending

2 weeks ago

Pretoria, Gauteng, South Africa Absa Bank Limited Full time
Bring your possibility to life Define your career with us

  • 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.
Job Summary

Job Description:

Accountability:
Quality and risk assessment

  • Demonstrate a good understanding of the following products: Cheque Accounts, Revolving Loans, Personal Loans, Student Loans and Credit Cards.
  • Ensure timeous and quality credit assessments with regard to new facilities and increases.
  • Review of existing overdraft facilities to address the financial needs of the client while ensuring that the outcome is aligned to the bank's risk appetite.
  • Ensure that the portfolio assessment includes a risk, financial and credit worthiness assessment.
  • Ensure that quality assets are placed on the book by assisting the Strategic Business Units (SBUs) to grow their asset books.
  • Be effective and efficient in terms of the assessment process by adhering to the laiddown processes, e.g. credit risk manual, circulars, procedures and policies.
  • Identify SBU training needs and assist with the upskilling of staff with guidance from the Team Manager.
  • Keep up to date with industry market trends and developments in the economy by staying abreast of financial and industry news via the media and Absa's inhouse communication, to enhance the skills required for holistic credit assessments and a review thereof.
  • Contact customers via Avaya POM and ensure professional telephone etiquette in line with the call scripts.
  • Strong negotiation skills to manage highrisk portfolios.
  • Educate customers with regard to creditworthiness and how to improve their financial position.
  • Enhance productivity on core activities measured against the national average.

Accountability:
Compliance and processes

  • Comply with the sunset rule when dealing with existing customers in Existing Customer Management.
  • Adhere to governance, regulatory and legislative requirements during the execution of duties in the normal course of business.
  • Complete the mandatory training within the timelines set by management.
  • Adhere to Absa's and creditspecific processes and policies as regular quality checks will be conducted.
  • Nonadherence to policies, identified by team members during the normal course of business, to be referred to the Team Manager to address and minimise risk.
  • Use feedback received from quality checks to demonstrate a continuous improvement in overall performance.
  • Initiate ideas and provide input to the Team Managers to improve credit processes and policies.
  • Update knowledge through newly published procedures and circulars.

Accountability:
Customer and stakeholder management

  • Provide our internal customers with excellent support and be solutiondriven by building sustainable relationships.
  • Provide our external customers with excellent support and provide quality credit solutions by ensuring that the appropriate business decisions are made within the assessment processes and existing customer management.
  • Identify leads and submit them via the agreed platform this will support the growth of Absa's asset book and prevent competitors from marketing similar products to our clients.
  • Ensure high quality in all aspects of communication to our customers, to enhance the customer satisfaction score.

Accountability:
Working together as a team

  • Demonstrate the willingness and ability to perform by ensuring personal alignment to Absa's values.
  • Encourage all team members to perform in a similar manner, to meet all objectives and deliver outstanding performance on an ongoing basis.
  • Attend team meetings and participate, providing suggestions for ways of improving customer service, and meet and exceed targets.
  • Contribute to an environment of mutual support by sharing knowledge and best practices with other team members.
  • Create a culture of high performance to achieve sustainable results.
  • Play an active role in personal coaching plans.

Accountability:
Personal development

  • Take ownership of your agreed performance development plan (PD) objectives and enhance your own performance development and personal growth.
  • Be open to crossskilling to enhance prospects.
  • All mandatory training and attestations must be completed within the timelines set by management.
Education

Higher Diplomas:
Business, Commerce and Management Studies (required)

  • Absa Bank Limited reserves the right not to make an appointment to the post as advertised_

  • Credit Analyst

    2 weeks ago

    Pretoria, Gauteng, South Africa Firstrand Bank Limited Full time

    Analyses credit data to estimate degree of risk in extending credit or lending moneyConsults with management to assist in corporate planningAchieve year on year Total Consumer Revenue Growth as per the Branch Financial Performance Report for your Customer PortfolioManage costs / expenses within approved budget to achieve cost efficienciesDeliver exceptional...

  • Head, Credit Catchment

    2 weeks ago

    Pretoria, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Business Segment: Business & Commercial Banking Location: ZA, Gauteng, Centurion, Centurion Central, To lead, develop and manage credit evaluation and credit risk management teams in support of Business, Agric, Entrepreneur and Enterprise segments ("the Segments") asset growth targets for a Super Catchment or Catchments within a province. To comprehensively...

  • Credit Manager

    2 weeks ago

    Pretoria, Gauteng, South Africa H&S Labour Brokers cc Full time

    We are looking to recruit an experienced credit manager to oversee our clients company's lending process. As a credit manager, you will be responsible for evaluating the creditworthiness of potential business owners, creating credit scoring models, approving and rejecting loans, negotiating payment terms, and updating the company's credit policy.To ensure...

  • Credit Manager

    2 weeks ago

    Pretoria, Gauteng, South Africa H & S Labour Brokers Full time

    PRETORIASalary NegotiablePermanentWe are looking to recruit an experienced credit manager to oversee our client's company's lending process. As a credit manager, you will be responsible for evaluating the creditworthiness of potential business owners, creating credit scoring models, approving and rejecting loans, negotiating payment terms, and updating the...

  • Credit Analyst

    2 weeks ago

    Pretoria, Gauteng, South Africa Professional Sourcing Full time

    Job Overview:Credit Analyst (Financial Services)Location: Durban, KwaZulu-Natal***A large financial services group in Durban seeks to appoint an experienced Credit Analyst.The Credit Analyst will assess credit worthiness of applicants (mortgage and other credit products) through undertaking detailed risk assessment analysis and ensure that procedures and...

  • Junior Credit Manager

    2 weeks ago

    Pretoria, Gauteng, South Africa Staff Solutions Full time

    Duties:Classifying commercial vehicle dealers based on business scale and risk status.Implementing tailored marketing strategies.Identifying and mitigating customer risks during contract signings or visits.Conducting prompt asset preservation activities for overdue loans.Analyzing financial reports of corporate customers and assessing repayment ability,...

  • Credit: Credit Risk Manager – Origination And Structuring

    2 weeks ago

    Pretoria, Gauteng, South Africa H&S Labour Brokers Cc Full time

    SandtonR – R CTC NegThe Credit Risk Manager – origination and structuring, will assist the Credit Risk Executive with the design and implementation ofappropriate credit and investment risk deal assessment processes. You will manage a team of Credit analysts to ensure that all credit and investment projects and opportunities that require development...

  • Credit Analyst Centurion

    2 weeks ago

    Pretoria, Gauteng, South Africa Communicate Finance Full time

    These jobs were popular with other job seekers Reference: CMF002948-TKL-1Do you have strong analytical skills? Do you have a solid background in a Credit Analyst role? Look no further as I would like to assist you in finding the perfect role for you Duties & Responsibilities Qualification and Experience:MatricBCom Accounting / Finance / EconomicsERP system...

  • Business Judgemental Credit Manager

    2 weeks ago

    Pretoria, Gauteng, South Africa FirstRand Bank Limited Full time

    Description To analyse credit data to estimate degree of risk in extending credit or lending money by accessing credit applications Hello Future Business Judgmental Credit Manager Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. ...

  • Credit Risk Manager

    2 weeks ago

    Pretoria, Gauteng, South Africa Finbond Mutual Bank Full time

    Finbond Mutual Bank is looking for a Credit Risk Manager to manage their Credit Risk function and processes. This individual needs to assess, manage and monitor the credit risk portfolio of their client base against the backdrop of Finbond's strategy and risk appetite, with a priority given to business banking and business credit risk. Develop and maintain a...

  • Credit Risk Manager

    2 weeks ago

    Pretoria, Gauteng, South Africa Finbond Mutual Bank Full time

    Main purpose of this jobFinbond Mutual Bank is looking for a Credit Risk Manager to manage their Credit Risk function and processes. This individual needs to assess, manage and monitor the credit risk portfolio of their client base against the backdrop of Finbond's strategy and risk appetite, with a priority given to business banking and business credit...

  • Credit Analyst: Financial Institutions

    2 weeks ago

    Pretoria, Gauteng, South Africa Firstrand Bank Limited Full time

    To provide quantitative and qualitative assessments of the current and forecast financial strength of a portfolio of corporate clients with the aim to identify portfolio related credit risksManage lending limitsManage database and provide input regarding limits, ratings, Loss Given Default (LGD) and governance monitoringSuggest risk mitigating measures as...

  • Credit Assessor

    2 weeks ago

    Pretoria, Gauteng, South Africa Nedbank Full time

    Job Requisition Details REQ# Location: Pretoria, South AfricaClosing Date: 26 June 2024- Talent Acquisition: Poppie Mlotshwa- Job Family- Credit Career Stream Credit Management Leadership Pipeline Manage Self: Professional FAIS AffectedJob PurposeResponsibilities**: Contribute to the growth of the department asset book by granting credit within acceptable...

  • Listing/ Debt Review Consultant

    2 weeks ago

    Pretoria, Gauteng, South Africa Credit Doctor Full time

    Credit Doctor is looking for consultants to join our team.Description of the role:This is a call centre role which includes both inbound and outbound calls to be made with individuals that are either listed or under debt review. You will need to be able to clearly communicate and explain what it means to be listed or under debt review and furthermore explain...

  • Credit Controller

    2 weeks ago

    Pretoria, Gauteng, South Africa Growthpoint Properties Full time

    Job Title and Job GradeCredit ControllerJob grade: B4Job PurposeTo manage the debtors accounts and ensure that all bills are paid on time.Role LocationBrooklyn Mall, Pretoria (Flexible)Head office, Sandton x 1 weekWorking ConditionsNot applicable.Reporting ManagerThe Credit Controller reports to the Assistant Credit ManagerDirect SubordinatesNo direct...

  • Credit Analyst

    2 weeks ago

    Pretoria, Gauteng, South Africa Dante Personnel Full time

    Minimum requirements:Credit Control Certificate or Credit Management QualificationAccess and make decisions about customer credit applications using the purpose of applications, credit viability, customer payment history, and creditworthiness.Strong computer skillsMonthly projectionsStrong understanding of relevant Laws such as the National Credit Act, FICA,...

  • Credit Analyst

    2 weeks ago

    Pretoria, Gauteng, South Africa Danté Personnel Recruitment Full time

    SA Gauteng, CenturionCredit Analyst / Credit ManagerBased in CenturionR35 000 ctcMinimum requirements:Credit Control Certificate or Credit Management QualificationAccess and make decisions about customer credit applications using the purpose of applications, credit viability, customer payment history, and creditworthiness.Strong computer skillsMonthly...

  • Senior Credit Controller

    2 weeks ago

    Pretoria, Gauteng, South Africa Quality Connect Staffing Full time

    The Senior Credit Controller will be responsible for monitoring and analyzing customer accounts, recommending credit limits, and ensuring timely collection of outstanding debts. The ideal candidate will have a strong background in credit control and a proven track record in reducing bad debts and improving cash flow.Duties & Responsibilities Key...

  • Senior Credit Controller

    2 weeks ago

    Pretoria, Gauteng, South Africa Quality Connect Staffing Full time

    The Senior Credit Controller will be responsible for monitoring and analyzing customer accounts, recommending credit limits, and ensuring timely collection of outstanding debts. The ideal candidate will have a strong background in credit control and a proven track record in reducing bad debts and improving cash flow.Duties & ResponsibilitiesKey...

  • Credit Controller

    2 weeks ago

    Pretoria, Gauteng, South Africa Network Recruitment Full time

    Job & Company Descriptions:A leading FMCG company is currently seeking a Credit Controller to join their team. The Credit Controller plays a crucial role in ensuring timely payments and managing outstanding debt within the company's day-to-day operations.As a Credit Controller you will responsible for the following:Collecting trade debt:Verifying payment of...