Specialist - Credit Analyst

1 day ago

Johannesburg, Gauteng, South Africa Absa Group Full time R250 000 - R500 000 per year

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 summary

To support the credit risk process through carrying out a comprehensive and quality credit risk functions within the credit lifecycle and to create shared growth within the boundaries of internal policies and external regulations for Growth Business clients. To provide monitoring and analytical insight into evolving credit risk in order to support business decision making in achieving the set objectives.

Job Description
Job Description

  • Risk Management: To conduct quality credit risk assessments and reviews.
  • Proactively manage credit risks associated with unsecured lending product.
  • To produce and analyse relevant management information and insights to internal stakeholders.
  • Source data on, for example overall performance and point in time status on customer's accounts/credit history, from various data sources within the ABSA domain as well as external organisations (i.e. Credit Bureau) using Statistical Analysis Software (SAS) as well as database query tools.
  • Consolidate the data in a logical manner such that it is analytical ready for SAS.
  • Identify any data anomalies/trends and investigate possible causes for these. If necessary, suggest possible remedies to the portfolio's Management Team.
  • Develop data driven strategies input for the business.
  • Thorough understanding of Data and Systems Management.
  • Execute unit testing (if required) to ensure that the proposed strategies are correctly implemented.
  • Presentation to the various forums when required.
  • Governance: Ensure the bank's credit, philosophy and all relevant legislation is adhered to.
  • Customer Management: Investigate, provide insight and resolve on customer related issues.
  • Manage key stakeholders across the business by ensuring their issues, objectives and priorities are reflected in the agreed solutions.

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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