Vagas por Província

VdE | Analista de Crédito Sênior | ABSA


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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

The senior credit analyst role will involve carrying out comprehensive and quality credit assessments and analysis on potential and existing clients within the bank´s portfolio to enhance the decision-making process in determining the Bank's appetite to extend credit to these clients.

To work within existing credit policies and in-country regulatory requirements to structure appropriate bankable solutions for the client and manage all other credit related issues for a portfolio of clients.

This role will involve the sanctioning of credit applications within a delegated individual mandate as well as ensuring that the agreed asset quality of the Wholesale portfolio is maintained, with regards to risk decisions supporting origination, interim reviews, annual reviews and on-going monitoring and control.

Job Description

Risk Management:

  • To conduct quality credit risk assessments and reviews and proactively manage credit risks associated with the portfolio.
  • Based on analysis conducted, support in the structuring of lending solutions for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank's credit lending policies and appetite.
  • Once the credit paper is finalised, facilitate the credit sanctioning process by responding to sanctioned enquiries and/or attending all relevant Credit Committee meetings to present credit applications
  • Using individual delegated mandate to review and support individual mandate credit applications by exercising personal judgment in the evaluation and approval/decline of credit requests.
  • Challenge pricing in order to maximize value. Ultimate sign off at a customer level remains with Business Heads

Governance and controls:

  • Ensure that the Bank's credit policies, philosophy and all relevant legislation are fully complied with at all times and that any policy breaches have been suitably addressed and mitigated against.
  • Ensure that all covenants are measured and reported during the review or new credit application process.

Data and Systems Management:

  • Drive RWA efficiencies through ensuring that the data in terms of Default Grades (DG's), Loss Given Defaults (LGD's), limits and review dates are correctly captured on the Bank's credit systems and adequately supported by in the credit systems.

Business Enablement:

  • Provide solution-driven support to business to facilitate growth initiatives, whilst maintaining a healthy balance between risk and reward.
  • Participate and add value to business committees where required
  • Communicate and interact regularly and proactively with business stakeholders while providing insights on risk trends and providing clear risk appetite guidance.
  • Propose and drive improvements to the credit process

Provide support and guidance to the junior team members


Bachelor's Degree: Business, Commerce and Management Studies (Required)



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