Credit Manager
6 days ago
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Job Summary
- 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)
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