Job Vacancy At ABSA Bank - SME Credit Analyst 2022

Bring your possibility to life! Define your career with us

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

To perform and manage all activities in a way that strict adherence to approved Credit and provisioning policy as well as the approved standard credit process and procedure are maintained.

Job Description

•    Ensure that borrowers have submitted all documents as per checklist.
•    Collate customer produced financial information
•    Responsible for managing financial information produced by customers.
•    Ensures that all credit applications are assessed within the agreed SLA time.
•    Ensure that every application has a written support from Head of SME before further processing the application. 
•    Ensuring that assessment and recommendations of credit applications comply with requirements as per approved Credit and Provisioning Policy. 
•    Analyze historic and projected financial information to identify key issues and monitor compliance with covenants and terms prior to discussing with Relationship Manager/SME Banker     
•    Perform Credit reference checks before processing the applications
•    Analyze historic and projected financial information to identify key issues and monitor compliance with covenants and terms prior to discussing with Relationship Manager
•    Collate customer produced financial information
•    Attend customer meetings with the SME Bankers/Relationship Manager if credit related issues are to be discussed/ need to be resolved.
•    Ensure that all applications are done through CCRS
•    Conduct visits to both business premises and collateral.
•    Monitor and Control quality of portfolio using ‘Condition of Sanction’ triggers where possible. Discussing with Sanctioners deteriorating trends and trigger events if they give cause for concern and advising the SME Banker/Relationship Manager simultaneously.
•    Responsible for managing all SME borrowing relationships. 
•    Provide specific instruction to business and escalate any issue that will need other stakeholders’ attentions
•    Ensure that excesses are actioned timely and are diarized
•    Attend monthly portfolio review meetings i.e. Risk Reports Credit Committee (RRCC), Early warning List (EWL1)
•    Ensure Monthly risk report (MRR)are actioned and submitted timely.
•    Check on daily risk repot and work on exceptions and /or irregular behavior
•    Ensure that all facilities are timely reviewed.
•    Ensure covenants are tested accordingly and timely 
 

Education

National Diplomas and Advanced Certificates: Business, Commerce and Management Studies (Required)

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