Specialist - Credit Analyst Nbfi

7 months 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 risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle to create shared growth within the boundaries of internal policies and external regulations.

**Job Description**:
Accountability: Risk Adjusted Management
- To conduct quality credit risk assessments and reviews that 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 with a key focus on the riskier clients within the portfolio.
- Facilitate the credit sanctioning process to ensure responsible risk decisions.
- Complete industry research and compile portfolio reviews and sensitivity analysis.
- Actively interact with the client service team giving credit input to ensure responsible risk taking whilst retaining commercially minded solutions.
- Ensure an efficient and timely risk delivery to clients.

Accountability: Data and System Management
- 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.
- Manage and communicate the risks associated with outstanding securities.
- 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 clients 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.

Accountability: Governance
- Ensure that the Banks 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.

Accountability: Stakeholder engagement
- Attend team meetings and contribute fully, including suggestions for ways of improving risk delivery and management through ongoing projects.
- Ensuring the right values and behaviours are portrayed in the achievement of the Risk Strategy
- Develop relationships with colleagues and create a sense of engagement.
- Communicate concerns or challenges faced in a constructive and positive manner.
- Develop and maintain contacts with Specialists in other areas of the Group.
- Embrace and adapt to the diversity and change within the current Banking environment.
- Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to the Credit Risk Strategy.

Education and Experience Required
- B-degree in Business or Commerce (or similar)
- Relevant postgraduate qualification such as CA / CFA/ MBA and/or 3 to 5 years experience within a credit risk environment.
- Experience in the Non-Banking Financial Institution clients is preferred in sectors comprising insurance companies, asset managers, private equity funds, collective investments schemes, retirement funds, medical aid schemes and stock brokers.

Education

Bachelor's Degrees and Advanced Diplomas: Business, Commerce and Management Studies (required)
- Absa Bank Limited reserves the right not to make an appointment to the post as advertised_

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