Senior Credit Analyst

2 weeks 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

**Job Description**:

- 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.
- 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.
- 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 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. 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.
- To be an expert with an advanced understanding of Macro economic environment, industries and Bank products. To have strong working knowledge on FI Products (Trade Finance, Treasury Products, Market Products, including but not limited to: FX trades, interest rate swaps, total return swaps, bond trades, commodity trades, and equity trades; with a strong working knowledge on mitigating factors on PFE/pre-settlement and settlement risks (e.g. ISDA, CSAs, GMRAs GMSLAs, CLS, and DvP, among others).
- Review and enhancement of systems and processes with a view towards efficiency and automation whilst managing the current operational environment.
- Explore new, improved and alternative ways of lending or restructuring credit to ensure an efficient and improved end to end risk delivery.
- Effectively communicate developments within areas of activity to all relevant stakeholders.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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