Manager: Credit Origination

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

To develop tactical strategy and delivery plans, formulate associated practice/s and to ensure operational implementation and adoption i.t.o. credit risk management methodology, practice, governance and delivery objectives.

Job Description

Credit Origination, Execution and Fulfillment
- Execution and Fulfillment of Credit Strategy and alignment with RB Business Objectives
- Liaise with Segment Managers to ensure optimal client solutioning within agreed risk framework
- Management of Credit Analysts to execute on agreed objectives

Management of Segment Credit Risk Portfolio
- Working with the High Value and Premium Segment Managers to ensure appropriate analysis in respect of required/ requested facilities,

conditions of sanctioning and to maintain the quality of credit risk profile on the portfolios
- Responsible for the team’s Data Quality integrity and quality of Credit Applications submitted for Credit Sanctioning

Team Management
- Develop a high performing team by embedding formal performance development and informal coaching
- Create an effective workforce and ensure that current and future business requirements are met

Risk Management: Providing Subject Matter Expertise to Risk types

Stakeholder Management: Build and Maintain effective Relationships with relevant stakeholders

Risk Reporting: Identify, assess and Report key risks arising from significant events, investigations, audit and control issues

People Management: Develop a high performing Team

Risk and Control: Adherence to Policies, Procedures and Regulations.

Key Responsibilities:
Credit Origination & Approval:

- Analyze and assess client financial data to determine creditworthiness.

Client Relationship Management:

- Develop and maintain strong relationships with new and existing clients.
- Act as the main point of contact for clients throughout the credit origination process.
- Provide expert advice to clients on credit products and solutions.

Risk Management & Compliance:

- Ensure compliance with credit policies, procedures, and regulatory requirements.
- Collaborate with the risk management team to evaluate and mitigate risks associated with credit transactions.
- Monitor ongoing credit performance and take corrective actions when necessary.

Team Leadership & Management:

- Lead and coach a team of credit analysts who form part of the trio relationship with the banker team who are resp.
- Provide guidance, training, and performance evaluations to ensure team success.
- Foster a collaborative and high-performing work environment by creating a client service culture in all we do
- Encourage the team to generate ideas and seek out opportunities to share knowledge and build on their knowledge

Business Development:

- Identify new business opportunities and potential clients for credit products.
- Collaborate with sales and business development teams to drive growth in credit origination.
- Monitor market trends and competitor activities to stay ahead of industry developments.

Reporting & Analysis:

- Prepare reports on credit origination activities, performance metrics, and portfolio performance.
- Provide insights and recommendations to senior management regarding credit risk exposure and business opportunities.

Continuous Improvement:

- Continuously assess and refine credit origination processes to improve efficiency and reduce risk.
- Stay up to date on industry’s best practices and regulatory changes.

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_