Job Summary

• Conduct quality credit assessments, provide responsible risk decisions within personal mandate level and maintain an assigned credit portfolio of clients for Business Bank Commercial & Agriculture (Growth, Premium and High Value Banking) in accordance with Absa credit policies, processes and procedures.

Job Description

Credit Sanctioning

• Perform quality credit sanctioning within the Operational Level Agreement (OLA), being cognizant of risks, solutions-driven and giving due consideration to compliance requirements.

Portfolio and Risk Management

• Pro-actively maintain and manage the assigned portfolio within agreed KPI’s.
• Accurate and timeously report high-risk accounts.
• Provide credit solutions for the timeous rehabilitation of delinquent accounts and initiate transfers to Business Support and / or Legal.
• Recovery Services (LRS) for groups / accounts which cannot be rehabilitated in the normal credit environment.

Stakeholder Management

• Build and maintain effective relationships with stakeholders.
• Be a role model for client engagement and demonstrate value add at every engagement.
• Contribute to the upskilling and mentoring of front-line colleagues.

Risk and Control

• Apply the highest standards of controls and risk management practices and behaviors and embed a positive risk and control culture.
• Adhere to policies, procedures and regulations.
• Identify, assess and report risks arising from significant events, investigations, audit and control issues.
• Demonstrate prudence, sound judgment and appropriate escalations in the management of all types of risk applicable to the role.
• similar environment at junior management level

Qualifications 

• Previous credit sanctioning experience required
• Agri experience would be an advantage

Education

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)