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

- undefined

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)