Corporate Credit Manager - Business Banking

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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.

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Job Summary

A member of the Business Banking team and will be the credit expert to nominated Relationship Managers working with a defined portfolio of high value, complex and sophisticated customer connections, acting as the conduit to Credit for sanctioning purposes.

Develop practical and appropriate credit solutions (i.e. Lending structures) through understanding customer’s needs.

Deliver high quality and consistent, credit applications, making recommendations.

Monitor and control nominated accounts within designated portfolios and Maintain integrity of credit reporting as opposed to core banking system and update financial information.

Closely work with business banking colleagues to achieve customer satisfaction and deliver high quality service.

Job Description

Key accountabilities

Credit Risk Management

Time split: 60%

Assess a customer’s business through the analysis of Business and Credit risks associated with the provision of the Bank’s products and services to the customer

Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams

Be the joint contact for credit management purposes for accountants, solicitors and other professionals

Preparation of good quality credit applications with paper attachments for recommendations to the Sanctioned (ultimate approval authority).

Responsible for managing financial information produced by customers

Monitor and Control quality of portfolio using ‘Condition of Sanction’ triggers where possible and in accordance with internal guidelines and policies – Discussing with Sanctioned trigger events if they give cause for concern, advising the Relationship Manager simultaneously

Business Risk

Time split: 20%

Work in partnership with Relationship Managers on new and existing credit applications, providing guidance on credit appetite and consulting with Credit team as appropriate

Deliver service in line with agreed business needs

Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers

Attend customer meetings with the Relationship Manager if credit related issues are to be discussed/need to be resolved

Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions

Support and contribute to specific industry focus.

Team Working

Time Split: 10%

Output:

Develop and maintain a close working relationship with Relationship Managers and Credit Managers.

Risk & Control - Time Split: 10%

Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards

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Competencies And Skills

Risk assessment; analytical and numerate skills (acquired through credit courses attended and successfully completed)

Awareness of credit programs and IT skills

Inter-personal skills

Communications and presentation skills

Negotiation Awareness of local & regulatory guidelines

Knowledge and Expertise

Understanding of Banking business and People strategy

Detailed understanding of Absa Bank Ghana strategies and objectives

Sound understanding of external business, legal and regulatory environment and impact

Broad knowledge or appreciation of the banking sector, credit management

Top graduate calibre with a passion for creating a legacy.

Education

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

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