Regional Manager Credit Lending

1 week ago

Pretoria, 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

Job Description
- Lead, mentor, and develop a team of Credit Officers, ensuring high levels of performance and engagement.
- Set performance goals and conduct regular performance reviews.
- Provide training and development opportunities to enhance the team's skills and knowledge.

Home Loan Assessments:

- Guarantee compliance with regulatory requirements and internal policies across all assessments.

Stakeholder Engagement:

- Foster and maintain strong relationships with key internal and external stakeholders.
- Serve as the primary point of contact for escalations and complex cases.

Volume Management:

- Implement and monitor streamlined processes to enhance efficiency and maintain service levels.
- Prioritize tasks and allocate resources effectively to meet deadlines.

Decision Making:

- Support the team in making informed and well-supported credit decisions.
- Utilize credit scoring models and risk assessment tools to guide decision-making.
- Review and approve recommendations and justifications for credit approvals or declines.

Risk Management:

- Ensure the team adheres to risk management protocols and industry best practices.
- Stay informed about industry trends and regulatory changes affecting credit risk and adjust strategies accordingly.

Compliance:

- Ensure strict adherence to regulatory requirements and internal compliance policies within the team.
- Keep the team informed about changes in legislation impacting home loan assessments.
- Conduct regular audits and reviews to ensure compliance standards are met.

Reporting:

- Provide insights into key performance indicators, trends, and areas for improvement.
- Use data-driven insights to inform strategic decisions and drive continuous improvement.

Qualifications and Skills:

- Bachelor’s degree (NQF7 preferred) in Accounting, Economics, Banking and Finance, or a relevant field.
- Minimum of 5 years of credit experience, with at least 3 years in home loans.
- Proven experience in credit assessments and risk management.
- Excellent analytical, decision-making, and problem-solving skills.
- Strong communication and interpersonal skills.
- Ability to work under pressure and manage competing priorities.
- Proficiency in using credit scoring models, risk assessment tools, and relevant software and technology platforms.
- Clear credit bureau record and demonstrated responsible personal financial management.

Co-ordinates With
- Sales
- Product
- Credit Policy
- Risk
- Lender Partners

Soft Skills
- Power Point Presentation
- MS Word and Excel

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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