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Senior Credit Analyst

1 month ago

Sandton, 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

To support the Credit Head at a portfolio level to carry out comprehensive and quality credit risk functions (often specific to an industry, product, segment or geography) within the credit lifecycle (granting, implementing, managing, restructuring and impairment) to create shared growth. This is achieved through responsible risk management enhancing the decision making process involved in the extension and management of credit risk within the boundaries of internal policies and external regulations.

**Job Description**:
Risk Management: Providing Subject Matter Expertise to Risk types | Stakeholder Management: Build and Maintain effective Relationships with relevant stakeholders | Risk Reporting: Identify, assess and Report key risks arising from significant events, investigations, audit and control issues | Risk and Control: Adherence to Policies, Procedures and Regulations

Risk Management - To conduct quality credit risk assessments and present commercially minded solutions through analysis of financial, industry and economic information in support of the decision making process. - Pro-actively manage credit risks associated with a portfolio of clients. - Complete industry research and compile portfolio reviews and sensitivity analysis. - Facilitate the end to end lending or restructuring process assuring responsibility for service and quality. - Actively interact with the client service team giving credit input to ensure responsible risk taking whilst retaining commercially minded solutions. - Facilitate / and or make the credit sanctioning decisions ensuring responsible risk decisions are made. - Maintain and manage the relevant Risk portfolios within the defined appetite levels. - Stakeholder engagement to ensure commercially minded solutions in the decision making process at an agreed risk profile. - Pro-actively manage the lending portfolios of the chosen sector or part of credit lifecycle and credit risks associated with a portfolio of clients. - To be an expert with an advanced understanding of Macro economic environment, industries and Bank products with the associated risks. - Review and enhancement of systems and processes with a view towards efficiency and automation whilst managing the current operational environment. - Explore new, improved and alternative ways of lending or restructuring credit to ensure an efficient and improved end to end risk delivery. - Build strong relationships with both global and local internal and external stakeholders. - Effectively communicate developments within areas of activity to all relevant stakeholders. - Ensure an efficient and timely risk delivery to clients.

Data and System Management - Complete industry research and compile portfolio reviews and sensitivity analysis. - Develop, negotiate and implement appropriate Risk mitigation strategies. - To produce relevant management information and manage exposures including the accurate maintenance of the data on relevant risk systems. - Monitor adherence of covenants and conditions on a continuous basis and identify any deviations and possible concerns. - Create and maintain an accurate due diligence record of the client portfolio, detailing what facilities they have and the associated terms and conditions. - Understand and manage the required inputs into the banks models ensuring validity and accuracy. - Monitor the client business performance and identify relevant risks to ensure early identification of change in the client’s business or operating environment and watchlist accordingly. - Proactively utilise the systems and tools available for Credit Risk and partake in the ongoing development and feedback of these systems to deliver and enhanced automated credit function. - Manage all administrative and operational aspects of the relevant portfolio of clients ensuring completeness, accuracy and validity of data.

Governance - Ensure that the Bank’s credit policies and philosophy are complied with. - Ensure understanding and adherence to relevant Legal requirements relevant to the Credit Lifecycle and specific industry. - Regulatory legislation and the changing environment require an up to date knowledge of changes and the impact on credit risk and capital adequacy. - Complete the necessary training requirements and Compliance processes in a timely manner.

People Engagement - Support the credit heads in creating a high performance culture of individuals who are engaged. - Portraying the right values and behaviours are portrayed in the achievement of the Risk Strategy. 3 - Attend team meetings and contribute fully, including suggestions for ways of improv

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