Senior Credit Analyst – Pan Africa CIB: Financial Institutions
1 week ago
Senior Credit Analyst – Pan Africa CIB: Financial Institutions
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
This is a Senior Credit Analyst role, with the primary focus to independently manage a defined portfolio of CIB FI clients from a credit risk perspective and be a subject matter expert on the FI credit portfolio. The duties include, among others: evaluating the financial health of clients in the portfolio; preparing detailed credit applications with specific recommendations and presenting credit applications at various Credit Committees; deal structuring; risk assessment across CIB products (debt, markets/derivatives, TxB/trade finance, etc). The portfolio is made up of Banks, Micro Finance Institutions, DFIs, Supranationals, Structured SPVs, Securitizations, Private Equity Funds, among others.
Job Description
Accountability: Credit Risk Management:
- To take ownership and control of credit risk related work on a defined portfolio of Financial Institutions clients against which Absa Group Ltd has credit facilities.
- The candidate is to carry out comprehensive and quality credit risk functions. Functions cut across the credit lifecycle (i.e. analysis, credit granting, implementing, managing, restructuring and impairment) to create shared growth.
- Representing Credit to Senior Management in various committees, presenting analysis of the aggregate portfolio risk and composition.
- Analysis of portfolio risk management and their impact to Portfolio Credit and Market Risk Metrics.
- Assist in developing and delivering relevant Monthly Risk MI for Senior Management within Credit and other senior partners.
- Create presentations and technical documents designed to articulate key risks to various forums and credit committees.
- Build and manage relationships with key relevant business partners to ensure responsible risk taking whilst retaining commercially minded solutions.
- Work closely with key partners to review and improve quality of MI over time.
- Support the management in the delivery of a sound governance process around the Credit MI's 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.
- Maintain and manage the relevant portfolio within the defined appetite levels.
- To be an expert with an advanced understanding of Macro economic environment, industries and Bank products.
- Review and enhancement of systems and processes with a view towards efficiency and automation.
- Explore new, improved and alternative ways of lending or restructuring credit.
- Effectively communicate developments within areas of activity to all relevant stakeholders.
Accountability: Data and System Management
- Compile portfolio reviews and sensitivity analysis.
- Develop, negotiate and implement appropriate Risk mitigation strategies.
- 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.
- Create and maintain an accurate due diligence record of the client portfolio.
- Understand and manage the required inputs into the banks models ensuring validity and accuracy.
- Monitor the client business performance and identify relevant risks.
- Proactively utilize the systems and tools available for Credit Risk.
- Manage all administrative and operational aspects of the relevant portfolio of clients.
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.
- Regulatory legislation and the changing environment require an up to date knowledge of changes.
- 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.
- 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.
Education
Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.
Absa Bank Limited reserves the right not to make an appointment to the post as advertised.
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