Corporate Credit Manager

### **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. [My Career Development Portal](https://absahr.service-now.com/careerdevelopmentportal): **Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.** **Job Summary** • A member of the corporate 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 corporate colleagues to achieve customer satisfaction and deliver high-quality service. **Job Description** **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 Sanctioner (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 Sanctioner 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 as determined by the Corporate and Credit teams **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 * Understand and manage risks and risk events (incidents) relevant to the role. **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 Corporate 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)