Senior Credit Risk Analyst: Resources

3 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

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