Credit Officer Ecm Credit Lending

3 days ago

Pretoria, 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

**Job Description**:
Accountability: Quality and risk assessment
- Demonstrate a good understanding of the following products: Cheque Accounts, Revolving Loans, Personal Loans, Student Loans and Credit Cards.
- Ensure timeous and quality credit assessments with regard to new facilities and increases.
- Review of existing overdraft facilities to address the financial needs of the client while ensuring that the outcome is aligned to the bank's risk appetite.
- Ensure that the portfolio assessment includes a risk, financial and credit worthiness assessment.
- Ensure that quality assets are placed on the book by assisting the Strategic Business Units (SBUs) to grow their asset books.
- Be effective and efficient in terms of the assessment process by adhering to the laid-down processes, e.g. credit risk manual, circulars, procedures and policies.
- Identify SBU training needs and assist with the upskilling of staff with guidance from the Team Manager.
- Keep up to date with industry market trends and developments in the economy by staying abreast of financial and industry news via the media and Absa's in-house communication, to enhance the skills required for holistic credit assessments and a review thereof.
- Contact customers via Avaya POM and ensure professional telephone etiquette in line with the call scripts.
- Strong negotiation skills to manage high-risk portfolios.
- Educate customers with regard to creditworthiness and how to improve their financial position.
- Enhance productivity on core activities measured against the national average.

Accountability: Compliance and processes
- Comply with the sunset rule when dealing with existing customers in Existing Customer Management.
- Adhere to governance, regulatory and legislative requirements during the execution of duties in the normal course of business.
- Complete the mandatory training within the timelines set by management.
- Adhere to Absa's and credit-specific processes and policies as regular quality checks will be conducted.
- Non-adherence to policies, identified by team members during the normal course of business, to be referred to the Team Manager to address and minimise risk.
- Use feedback received from quality checks to demonstrate a continuous improvement in overall performance.
- Initiate ideas and provide input to the Team Managers to improve credit processes and policies.
- Update knowledge through newly published procedures and circulars.

Accountability: Customer and stakeholder management
- Provide our internal customers with excellent support and be solution-driven by building sustainable relationships.
- Provide our external customers with excellent support and provide quality credit solutions by ensuring that the appropriate business decisions are made within the assessment processes and existing customer management.
- Identify leads and submit them via the agreed platform - this will support the growth of Absa’s asset book and prevent competitors from marketing similar products to our clients.
- Ensure high quality in all aspects of communication to our customers, to enhance the customer satisfaction score.

Accountability: Working together as a team
- Demonstrate the willingness and ability to perform by ensuring personal alignment to Absa's values.
- Encourage all team members to perform in a similar manner, to meet all objectives and deliver outstanding performance on an ongoing basis.
- Attend team meetings and participate, providing suggestions for ways of improving customer service, and meet and exceed targets.
- Contribute to an environment of mutual support by sharing knowledge and best practices with other team members.
- Create a culture of high performance to achieve sustainable results.
- Play an active role in personal coaching plans.

Accountability: Personal development
- Take ownership of your agreed performance development plan (PD) objectives and enhance your own performance development and personal growth.
- Be open to cross-skilling to enhance prospects.
- All mandatory training and attestations must be completed within the timelines set by management.

Education

Higher 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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