Senior Credit Risk Analyst

3 weeks 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

Manage a portfolio of clients within the Resources & Project Finance Credit Risk team.
- 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.
- Accountability for the full credit lifecycle of the portfolio including granting of facilities, implementation, systems, post-implementation monitoring.
- Ongoing management of the portfolio through portfolio reviews and management information.
- Independently building and managing relationships with key relevant business partners to ensure delivery under the organization’s strategy.
- Ensure an efficient and timely risk delivery to clients.

**Job Description**:
Accountability: Credit Risk Management:

- To take ownership and control of credit risk related work on a defined portfolio of Resource & Project Finance clients against which Absa Group Ltd has credit facilities.
- Representing Credit to Senior Management in various committees, presenting analysis of the aggregate portfolio risk and composition.
- Presentation of portfolio risk analysis to the relevant risk committees.
- Developing and delivering relevant Monthly Risk MI for Senior Management, including analysis and commentary, ensuring risk issues on the defined portfolio are well understood and presented transparently.
- Manage exposures including the accurate maintenance of the data on relevant risk systems.
- Create presentations and technical documents designed to articulate key risks to various forums and credit committees.
- 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 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.
- Build and manage relationships with key relevant business partners.
- Maintain and manage the relevant portfolio within the defined appetite levels.

Accountability: 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.
- Complete the necessary training requirements and Compliance processes in a timely manner.

Accountability: Other
- Support in creating a high-performance culture of individuals who are engaged.
- Contribute fully, including suggestions for ways of improving risk delivery and management through ongoing projects.
- Portraying the right values and behaviors in the achievement of the Risk Strategy.
- Contribute to ongoing projects to improve risk delivery.
- 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(SA) / CFA preferable with 5 years experience within a credit risk environment or relevant sector experience (Mining, Oil & Gas, Project Finance).

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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