Senior Credit Risk Analyst: Resources

2 months ago

Sandton, 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
- Manage a portfolio of clients within the Resources & Project Finance Credit Risk team covering the Mining and Oil & Gas sectors as well as Project Finance transactions.
- Responsibility for the ongoing management of an existing portfolio and undertaking the credit assessment of new transactions.
- Completion of comprehensive annual reviews.
- 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.

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.
- Assist in 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.
- Create presentations and technical documents designed to articulate key risks to various forums and credit committees.
- Independently build and manage relationships with key relevant business partners.
- Support the management in the delivery of a sound governance process around the Credit MI delivered by the team.
- Development of analytical tools to better understand and communicate risk concentrations and drivers of risk and capital.
- Facilitate the end-to-end lending or restructuring process, assuring responsibility for service and quality.
- Facilitate / and or make the credit sanctioning decisions ensuring responsible risk decisions are made. Credit functions cut across the credit lifecycle, including risk grading, credit analysis, sanctioning, limit management, restructuring, and portfolio, among others.
- Maintain and manage the relevant portfolio within the defined appetite levels.
- Review and enhancement of systems and processes with a view towards efficiency and automation whilst managing the current operational environment.

Accountability: Data and System Management
- Compile portfolio reviews.
- To produce relevant management information and manage exposures including the accurate maintenance of the data on relevant risk systems.
- Monitor adherence to policies and SLAs on a continuous basis and identify any deviations and possible concerns.
- Understand and manage the required inputs into the credit rating 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 utilize 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 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: People management
- Support in creating a high-performance culture of individuals who are engaged.
- Portraying the right values and behaviors are portrayed in the achievement of the Risk Strategy.
- Contribute fully, including suggestions for ways of improving risk delivery and management through ongoing projects. 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

Bachelor's Degrees and Advanced Diplomas: Business, Commerce and Management Studies (required)
- Absa Bank Limited re

  • Senior Credit Risk Analyst: Resources

    1 month ago

    Sandton, 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...

  • Credit Risk Analyst

    2 weeks ago

    Sandton, South Africa Lesaka Technologies Full time

    Lesaka Technologies is seeking a detail-oriented and analytical Credit Risk Analyst to join our team. In this role, you will play a crucial part in assessing and managing credit risk across the entire lifecycle of our unsecured loans portfolio, from origination to collections and provisions. You will monitor portfolio performance, create and maintain...

  • Senior Credit Analyst

    5 months ago

    Sandton, South Africa Palesa Mbali Group Full time

    **Job Title** Senior Credit Analyst **Job Purpose** To manage and maintain risk adjusted pricing and risk ratings in terms of Basel requirements as well as enable value-based management and continued implementation of the Internal Ratings Based Approach within investment banking. **Responsibilities**: - Interpret Financial results based on the annual...

  • Credit Risk Analyst

    1 month ago

    Sandton, South Africa Nefcorp Full time

    Job category: Banking, Finance, Insurance. Stockbroking Contract: Permanent Remuneration: Market Related EE position: Yes Introduction The National Empowerment Fund is looking for a Credit Risk Analyst to support the delivery of credit risk as well as facilitate appropriate and insightful credit reporting with recommendations. Reporting - Produce...

  • Senior Credit Risk Analyst

    6 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 Manage...

  • Senior Credit Analyst

    6 months ago

    Sandton, South Africa Boardroom Appointments Full time

    **Minimum Requirements**: - Ideally Bachelors degree in Finance, Economics or related field or CA (SA) or CFA - Ability to query, interpret, and present complex data clearly to support decision-making processes. - Minimum 6 years experience in credit risk analysis in the retail/banking environment, with comprehensive knowledge across the credit lifecycle -...

  • Senior Credit Analyst

    5 days ago

    Sandton, South Africa Boardroom Appointments Full time

    Senior Credit Analyst - 6-Month Contract  Qualifications:Bachelor's degree in Finance, Statistics, Mathematics, Economics, or a related field; Masters degree preferred.5+ years of experience in credit risk modeling, data analysis, or business analysis, with a focus on model unpacking and data sourcing.Strong understanding of credit risk models and...

  • Credit Risk Analyst

    2 months ago

    Sandton, South Africa ProfitShare Partners Full time

    About the RoleWe are seeking a highly skilled Credit Analyst to join our team at ProfitShare Partners. As a Credit Analyst, you will play a critical role in our credit-granting process, requiring a combination of analytical and numerical skills, as well as excellent communication and interpersonal skills.Key ResponsibilitiesValidate client and supporting...

  • Credit Risk Analyst

    1 month ago

    Sandton, South Africa ProfitShare Partners Full time

    About the RoleWe are seeking a highly skilled Credit Analyst to join our team at ProfitShare Partners. As a Credit Analyst, you will play a critical role in our credit-granting process, requiring a combination of analytical and numerical skills, as well as excellent communication and interpersonal skills.Key ResponsibilitiesValidate client and supporting...

  • Senior Credit Risk Manager

    2 months ago

    Sandton, South Africa TalentCru Full time

    Job Title: Senior Credit Risk ManagerAt TalentCru, we are seeking a highly skilled Senior Credit Risk Manager to join our team. As a key member of our Credit Origination department, you will be responsible for leading the development and implementation of credit risk management strategies that align with our organization's goals and objectives.Key...

  • Credit Risk Manager

    3 weeks ago

    Sandton, South Africa DBSA Full time

    Key Responsibilities:The Credit Review Analyst will be responsible for managing a portfolio of high-value and/or high-risk clients, conducting thorough credit evaluations, and assessing the creditworthiness of borrowers. This involves reviewing and analyzing financial data, identifying potential credit risks, and providing recommendations to mitigate these...

  • Senior Credit Analyst

    5 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 This...

  • Head: Credit Risk

    5 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...

  • Senior Credit Analyst

    2 months ago

    Sandton, South Africa Core Group Full time

    iStore is the home of everything Apple, and Africa’s largest Apple Premium Reseller. With a retail footprint of more than 33 physical and online stores across Africa that provide expert advice, Apple Authorised Repairs, Business, Education, training and technical support for anything and everything Apple. **Purpose**: To analyse the current and forecast...

  • Junior Credit Analyst

    6 months ago

    Sandton, South Africa Boardroom Appointments Full time

    **Minimum Requirements**: - Ideally Bachelors degree in Finance, Economics or related field - Minimum 3 years experience as a credit analyst in retail/banking environment - Strong analytical and problem-solving skills - Detail-oriented and able to work independently **Responsibilities**: - Analyse credit data to assess the creditworthiness of borrowers -...

  • Credit Review Analyst

    3 weeks ago

    Sandton, South Africa DBSA Full time

    The purpose of this position is to ensure that the credit quality of the portfolio is managed and maintained within the Bank’s risk appetite. The Credit Review Analyst will manage a portfolio of high value and/or high-risk clients, conducting high quality credit evaluation and financial assessment of the borrower’s credit worthiness and disseminating...

  • Senior Credit Risk Manager

    4 weeks ago

    Sandton, South Africa TalentCru Full time

    Job Title: Senior Credit Risk ManagerAs a Senior Credit Risk Manager at TalentCru, you will be responsible for leading the Credit Origination team to deliver high-quality credit risk management solutions to our clients. Your expertise in credit risk assessment, origination, and management will be instrumental in driving business growth and ensuring the...

  • Senior Credit Risk Manager

    2 weeks ago

    Sandton, South Africa TalentCru Full time

    Job Summary:TalentCru seeks a highly skilled Credit Analyst to join their team. The ideal candidate will have a strong understanding of credit risk management and have experience working in a financial institution.Key Responsibilities:Oversee the origination of deals and manage credit and investment risk at the onboarding stage.Process credit proposals and...

  • Senior Credit Risk Analyst

    3 weeks ago

    Sandton, South Africa Fempower Full time

    Role Summary: To perform detailed quantitative and qualitative credit analysis and insightful reporting with recommendations. In addition, contribute to the management of the companies Credit Risk by providing information and analytical support for the effective monitoring and control of risk exposure. Experience / Skills Required:Minimum 3 years of working...

  • Senior Credit Risk Analyst

    4 weeks ago

    Sandton, South Africa Fempower Personnel Full time

    Role Summary: To perform detailed quantitative and qualitative credit analysis and insightful reporting with recommendations. In addition, contribute to the management of the companies Credit Risk by providing information and analytical support for the effective monitoring and control of risk exposure. Experience / Skills Required:Minimum 3 years of working...