SME Credit Manager

Empowering Africa’s tomorrow, together…one story at a time. 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. My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa.You are possibility. Job Summary Credit Initiation Account Maintenance Fraud Management Collections & Recoveries Provide input into developing and review of Portfolio modelling Analysis of management Information with appropriate recommendations to SME - Portfolio Manager Liaison with product/business managers and owners Initiate, agree and monitor Collection and Recoveries strategies Job Description Main accountabilities and approximate time split 30-40% – Credit Risk Management Time Split 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. Act as the joint contact for credit management purposes for accountants, solicitors and other professionals. 30 - 40% – Portfolio Management Time Split Manage the portfolio within agreed risk appetite. Work closely with credit analysts to identify potential risks, provide clear guidance to business and promptly elevate any issue requiring relevant stakeholders’ attention. Develop a strong Risk/COO/Consumer Business partnership. 10 – 20% – Management Reporting Contribute to periodic credit portfolio reviews and risk reports. Attend all portfolio review meetings as scheduled by Credit team. Maintain accurate sanction records, document rationale for approvals or rejections and ensure timely reporting to management. Technical Skills/Competencies Strong intellect balanced by practical and pragmatic approach Decisive Strong internal and external networking Analytical (Strong financial and business analysis for lending) Risk Management Business Management Communications (written and oral) and presentations Effective negotiation and influencing Essential Comprehensive technical credit skill General commercial/industry awareness Working knowledge of risk management policies, procedures & pricing Working knowledge of Group policies and strategies relative to the credit function Product knowledge Detailed understanding / fit of the vision for Risk Detailed understanding of the Bank’s policies on Employment/Redeployment, Equal Opportunities and Health & Safety Working knowledge of local country structure and strategy Managing risk and rewardPreferred Risk management background Risk and Controls Objectives Understanding of own role in the end-to-end processes in which you play a part, including applicable risks and controls. Adhere to Absa’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management. Report all risk events / incidents / issues using the defined process for your business area and help to understand why these happened and how to prevent them in future. Proactively look for ways to improve the control environment by considering what could go wrong in the processes you operate and how errors could be prevented. All mandatory training completed to deadline Personal Attributes Basic operations knowledge Strong product management, selling and negotiation skills Excellent communication skills enabling communication with people at all levels Ability to execute analytical and data driven decisions Ability to create and identify innovative solutions Essential and preferred Experience Experience, qualifications and other requirements specific to the role What does the role holder need to know/know about and/or be qualified in? Degree or equivalent business experience, desirable (Preferred) Postgraduate degree (e.g. MBA) Mathematical or financial qualification Skills & Competencies Highly competent in analysis and numeracy Absa Values Trust Resourceful Stewardship Inclusive Courage Education Higher Diplomas: Business, Commerce and Management Studies (Required) #J-18808-Ljbffr