Analyst Credit Growth

3 months ago


Port Elizabeth, South Africa Absa Bank Limited Full time

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. Job Summary

The purpose of the role to conduct an in‐depth, specialised and quality credit assessment and risk analysis on potential and a Growth Portfolio, to enhance the decision-making process involved in determining the Bank's appetite to extend credit to these clients. Financial analysis, interpretation and capturing of client information (company financial statements) and qualitative data.

Job Description

Risk Management
- Monitor client’s performance on a continuous basis for risk indicators and perform formal reviews at specified time intervals to identify any changes in the client's business or operating environment.
- Monitor adherence of covenants and conditions on a continuous basis and discuss any deviations and possible concerns with Sales team and escalate to Line Management and Credit if necessary.
- Adhere to Absa Risk Management System credit requirements as stipulated in the Absa credit policy. Monitor and report boundary events in terms of the Operational Risk Boundary.
- Identify the need for a meeting between high-risk clients, Credit and Business Support.
- Request updated valuations on properties that serve as security for facilities in line with Absa Credit policies.
- Manage and communicate the risks associated with outstanding securities.
- Pro-actively identify problematic /high-risk clients and advise Credit, accordingly, manage them with a view to provide special input and implement loss preventative measures i.e., EWL Reports.
- Request and manage outstanding Financial Statements as stipulated in the Absa Credit policy.
- Action and manage daily Odex, Referrals, REPL and REPC. Contact clients that are on the referral listing for rectification.

Credit Management
- Explore new, improved, and alternative ways of solutioning client credit requirements.
- Adhere to Bank’s credit policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed and mitigated.
- Provide bank codes and reports on clients.
- Pro‐actively manage credit risks associated with the portfolio of clients and their related products.

Portfolio Financial and Operational Management
- Issue facility letters to clients after reviews have been compiled and new facilities granted.
- Draft and issue letters of reminder when facilities expire according to policy requirements, for example 30-, 60- and 90-day letters.
- Contribute to the Non‐Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to avoid revenue leakages.
- Spread client's financials on the various Credit Risk Grading models i.e., Agri Model, Public Sector Model, RiskCalc Model and Triad.
- Provide the Default Grading (DG) output from the Credit Risk models.
- Capture all information on the various risk grading models 100% accurately by checking that all the models balance.

Client Solutioning and Customer Service
- Identify cross sell opportunities from analysis of Client's financials, account conduct and industry change and pass on to Relationship Executive/Transactional Banker as a lead.
- Be part of the solution by attending sales best practice sessions with relevant stakeholders, give credit input to mitigate risk on the identified product offering or new acquisition, and monitor progress on the sales funnel, until the lead is converted into a deal.
- Conduct research on the industry in which the portfolio clients operate, to understand the industries overall profitability, industry trends and clients market standing relative to their competitors.

Teamwork and Self Development
- Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
- Develop supportive relationships with colleagues and create a sense of team spirit.
- Communicate concerns or challenges that derive from team interactions in a constructive and positive manner.
- Develop and maintain contacts with Specialists in other areas of Relationship Banking and the Group.
- Keep abreast of regulatory changes through regular training.
- Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
- Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA's values and vision.

Competencies:

- Planning and organising
- Working with people
- Writing and reporting
- Financial analysis
- Entrepreneurial and commercial thinking
- Persuading and influencing

Minimum Qualifications/Requirements
- Strong computer skills and experience with Microsoft Office, especially Excel.
- Agricultural Cr


  • Credit Risk Analyst

    4 weeks ago


    Port Elizabeth, Eastern Cape, South Africa Career-seekers Recruitment Solutions Full time

    Job Title: Credit Risk AnalystWe are seeking a highly skilled Credit Risk Analyst to join our team at Career-seekers Recruitment Solutions. As a Credit Risk Analyst, you will play a critical role in assessing the creditworthiness of corporate clients and providing recommendations for credit limits, terms, and conditions.Key Responsibilities:Review financial...

  • Senior Credit Advisor

    4 months ago


    Port Elizabeth, South Africa BKB Full time

    The Senior Credit Advisor will be responsible for managing and mitigating credit risk by evaluating and processing credit applications, advising on credit policies, and developing strategies to improve the creditworthiness of clients. This role involves overseeing credit analysts’ responsibilities, maintaining relationships with key stakeholders, and...


  • Port Elizabeth, Eastern Cape, South Africa Career-seekers Recruitment Solutions Full time

    Credit Risk AnalystAt Career-seekers Recruitment Solutions, we are seeking a skilled Credit Risk Analyst to join our team.Key Responsibilities:Reviewing financial statements to assess a company's financial health, profitability, liquidity, and leverage.Understanding industry dynamics and market trends relevant to clients' businesses.Ensuring credit decisions...


  • Port Elizabeth, Eastern Cape, South Africa BKB Full time

    Job OverviewBKB is seeking a highly skilled Senior Credit Advisor to join our team and lead our credit analysis and risk management efforts.Key ResponsibilitiesCredit Evaluation and Analysis: Conduct thorough credit assessments and risk analysis for new and existing clients, analyzing financial statements, credit reports, and other relevant documents.Credit...


  • Port Elizabeth, Eastern Cape, South Africa Career-seekers Recruitment Solutions Full time

    Senior Financial AnalystCareer-seekers Recruitment Solutions is seeking a highly skilled Senior Financial Analyst to join their team in Cape Town. The ideal candidate will have a strong background in finance and accounting, with a minimum of 4 years of experience in credit risk management.The successful candidate will be responsible for reviewing financial...


  • Port Elizabeth, Eastern Cape, South Africa BKB Full time

    Job Title: Senior Credit AdvisorThe Senior Credit Advisor will play a pivotal role in managing and mitigating credit risk by conducting thorough credit assessments and risk analysis for new and existing clients. This involves analyzing financial statements, credit reports, and other relevant documents to develop credit proposals and recommendations.Key...


  • Port Elizabeth, Eastern Cape, South Africa Staff Solutions Recruitment Full time

    Job Title: Senior Credit AccountantJob Description:As a Senior Credit Accountant with Staff Solutions Recruitment, you will play a crucial role in ensuring the smooth operation of our clients' credit control functions.About the Role:This is an excellent opportunity for a seasoned credit professional to join a reputable organization and take on new...


  • Port Elizabeth, Eastern Cape, South Africa On Line Personnel Full time

    Job Title: Credit ControllerJob Summary:We are seeking a highly skilled Credit Controller to join our team at On Line Personnel. The successful candidate will be responsible for managing the credit control function, ensuring timely and accurate processing of credit and debit notes, and maintaining excellent relationships with customers.Key...


  • Port Alfred, South Africa FirstRand Full time

    Job Description To support the Business Relationship Manager by analysing credit data to estimate degree of risk in extending credit or lending money in support of a broader client relationship 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...


  • Port Elizabeth, Eastern Cape, South Africa Growth in Visionaries Marketing Full time

    Job Title: SalespersonWe are seeking a highly motivated and results-driven Salesperson to join our team at Growth in Visionaries Marketing.Key Responsibilities:Generate income and maximize profit from sales and services by providing exceptional customer service.Perform sales activities to drive sales growth and achieve sales targets.Attract and retain...


  • Port Elizabeth, Eastern Cape, South Africa Growth in Visionaries Marketing Full time

    Growth in Visionaries Marketing is seeking a talented Salesperson to join our team.About the Role:We are looking for a self-motivated sales professional who prioritizes customer service and has the ability to persuade and influence. Your primary responsibility will be to generate income and maximize profit from sales and services by providing excellent...


  • Port Elizabeth, Eastern Cape, South Africa Growth in Visionaries Marketing Full time

    Job DescriptionAt Growth in Visionaries Marketing, we are seeking a skilled Sales and Revenue Generator to join our team. The ideal candidate will be a self-motivated, target driven individual with excellent customer service skills and the ability to persuade and influence.Key ResponsibilitiesGenerate income and maximise profit from sales and services by...

  • Junior PPC Analyst

    3 months ago


    Port Elizabeth, South Africa Talent Sam Full time

    **About Us**: Our client is dedicated to delivering cutting-edge performance marketing strategies that drive results. As an industry leader in digital advertising, we help clients achieve their marketing goals through innovative and data-driven solutions. Join our dynamic team and contribute to transformative marketing campaigns that make a real...


  • Port Elizabeth, South Africa Standard Bank Group Full time

    Job Description To grow and retain a portfolio of high-value Premium Segment relationships through partnering for growth using an ecosystem mindset to proactively provide a high-end differentiated service with premium solutions that add value. Act as a trusted advisor by developing a deep understanding of client’s business through regular...


  • Port Elizabeth, Eastern Cape, South Africa PerformIT Personnel Full time

    Job Title: Support Analyst Team LeadWe are seeking a highly skilled and experienced Support Analyst Team Lead to join our team at PerformIT Personnel in Port Elizabeth.About the Role:The Support Analyst Team Lead will be responsible for supporting and monitoring the day-to-day performance of applications in the Operations Applications suite. This includes...


  • Port Elizabeth, Eastern Cape, South Africa Neptune Full time

    Are you ready to embark on a challenging career in financial analysis? Do you want to work with clients from diverse industries, driving business growth and success?We are seeking a highly motivated SAICA trainee to join our team as a financial analyst. As a trainee at Neptune, you will have the opportunity to develop your technical skills and expertise in...

  • Senior B-BBEE Analyst

    4 weeks ago


    Port Elizabeth, Eastern Cape, South Africa Hire Resolve Full time

    B-BBEE Senior AnalystHire Resolve is seeking a highly skilled B-BBEE Senior Analyst to drive their client's B-BBEE initiatives and ensure compliance with regulatory requirements.Key ResponsibilitiesConduct thorough B-BBEE assessments and audits to identify areas for improvement and ensure compliance with legislation and regulations.Analyze and report on...


  • Port Elizabeth, Eastern Cape, South Africa On Line Personnel Full time

    Job Title: Vehicle Analyst PEJob Position: Vehicle AnalystLocation: PE/GqeberhaSalary: R25 000 to R35 000 per month commensurate with qualification and experienceKey Responsibilities:• Coordinate and lead a cross-functional team to action risks/problems• Manage special component orders to secure the optimal introduction of changes into production to...

  • Salesperson

    6 months ago


    Port Elizabeth, South Africa Growth in Visionaries Marketing Full time

    Introduction: We are looking for a self-motivated, target driven salesperson who prioritizes customer service and has the ability to persuade and influence. Description: To generate income and maximise profit from the sales and services by providing excellent customer service. Perform sales activities in order to generate sales Achieve sales budget/targets...


  • Port Elizabeth, Eastern Cape, South Africa On Line Personnel Full time

    About the RoleWe are seeking a highly motivated and analytical Junior Business Analyst to join our team at On Line Personnel. This exciting opportunity is perfect for individuals who enjoy problem-solving, process improvement, and working collaboratively with stakeholders.The ideal candidate will have a solid understanding of business analysis principles,...