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Credit Manager Sanctioning

Overall Job Purpose:

  • A credit professional responsible for credit risk structuring of transactions and sanctioning covering multiple industry sectors. The role holder will have specific responsibilities for a range of Business Banking customers.
  • Support the Wholesale Credit team in providing credit input to Absa Bank Kenya Plc, delivering a World-Class Credit service and contributing towards achievement of the team’s risk and business objectives.
  • Ensuring the optimal quality of the credit portfolio by application of best practice in decision-making, to a maximum personal lending discretion.

Main accountabilities and approximate time split:

Credit Risk Management – Time Split: 60-70%

  • Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit applications. Maintenance of these standards both personally and as part of the Wholesale Credit Team.
  • Sole lending discretion, DG linked and set depending on personal experience/accreditation.
  • Exercise judgement and discretion in the evaluation and approval/decline of higher risk classification credit proposals.
  • Provide feeds into business and credit policy development, where appropriate.
  • Provide feeds into credit process development, where appropriate.
  • Implementation and ongoing delivery of business and credit policies and processes.
  • Responsibility for personal adherence to governance, compliance and lending portfolio controls. Ensuring own conformance to policy and procedures within the Wholesale Credit Function, including proactive management of agreed responsibilities for Data Integrity.
  • Maintain interactive relationship with other risk functions and Conformance Team.
  • Advise on risk reward and challenge pricing where appropriate.

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Business Risk Partnership – Time Split: 20-30%

  • Deliver service in line with agreed business needs.
  • Work in partnership with Country colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers.
  • Work with Country colleagues, providing post application-based coaching and discussion, where appropriate to ensure effective development and delivery of bespoke Risk solutions for customers.
  • Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions and development of people.
  • Contribute towards the Team operating within cost budgets making recommendations for ‘working smarter’.

Staff Management – Time Split: 10-20%

  • Support the Team Leaders in delivering effective performance development for individuals within the team.
  • Drive proactive application of Absa Bank Kenya Plc Behaviors both personally and throughout the team and coach and support colleagues within the Team.

Technical skills / Competencies:

Technical Skills:

  • Analytical and numerate.
  • Technical Lending Analysis.
  • Credit Risk Management skills with accreditation.
  • Effective negotiation and influencing skills.

Competencies:

  • Strong intellect balanced by practical and pragmatic approach.
  • Decisive.
  • Strong Stakeholder relationship management ability.
  • Communications (written and oral) and presentations.
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Knowledge, Expertise and Experience:

Knowledge and skills:

  • Relating to specialist knowledge and expertise required to undertake the role. May include knowledge of the Bank’s products, services and policies.

Expertise and Experience:

Essential:

  • Sound knowledge of credit risk mandatory procedures.
  • Working knowledge of Group policies, pricing and strategies relative to the credit function.
  • Good commercial awareness.
  • Sound credit related product and services knowledge for Business Banking.
  • Working knowledge of Absa structures and strategies.
  • Previous experience of corporate market and or risk is desirable

Preferred:

  • ACIB/Moody’s Accreditation/equivalent business experience/other appropriate qualification (Degree) is preferable.
  • Previous sanctioning experience will be an advantage.

Application Deadline – Friday 23rd September 2022

Premier Relationship Manager

Job Summary

Responsible for recruiting and maintaining a portfolio of premier clients, by selling a high quality, relationship oriented, financial planning service, supported by a dedicated Account Executive. Clients are recruited from the existing Bank customer base and externally with the aim of developing significant sales, and high levels of client satisfaction through a mutually beneficial relationship.

The client relationship is managed on a highly proactive and ongoing basis over an extended period. Whilst part of a team, the jobholder operates on a mobile basis, meeting clients at times and locations convenient to the client

Job Description

Main accountabilities and approximate time split

Relationship Management and Cross-Sell; 85%

  • Be the first point of contact of customers in the portfolio
  • Drive any required communication to customers in the portfolio
  • Proactively target and recruit clients, through referrals from existing customer portfolios
  • Proactively engage customers in existing portfolios to onboard close family members as part the family banking strategy
  • Ensure new customer¡¦s meet CLM Involved measures upon handover from the Premier Acquisition team. Involved tracking will commence from Day 31 to Day 90 and will ensure continued account funding, digital usage and product holding
  • Complete a detailed Customer Discussion Document for new customers upon hand-over from the Premier Acquisition team
  • Ensure the customer portfolio meets CLM Engaged measures ¡V account funding, digital usage and product holding
  • Drive increased assets balance sheet per customer, liabilities balance sheet per customer and revenue per customer through continued customer engagements
  • Monitor and ensure funding of Zero Balance Accounts, Low Funded Accounts, Inactive Accounts and Overdrawn Accounts in your portfolio as part of ensuring funding growth.
  • Ensure ongoing reviews of the Customer Discussion Document for each customer in the portfolio and drive satisfaction through proactive identification of identified clients¡¦ ongoing financial needs and cross-sale of required solutions.
  • Actively drive cross-sale targets for the portfolio across product lines ¡V Assets, Liabilities, FX etc.
  • Proactive engagement of required business specialists to support the fulfillment of customer need
  • Manage the client portfolio, making proactive contact on a regular basis and meeting clients at their convenience, and maintain an updated calendar/diary to track customer meetings
  • Ensure customers in the portfolio are contacted/engaged as per the laid down Premier Customer Engagement procedures

Business Management; 15%

  • Ensure that targeted level of business results (i.e. income, balance sheet, costs, client satisfaction and client recruitment) for jobholder’s own portfolio are maintained
  • Review portfolio on a regular basis recommending clients
  • Adhere to standards, legal and regulatory,

Risk and Controls;

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.

Technical Skills / Competencies

  • People Management
  • Communication and Presentation
  • Business awareness
  • Business management
  • Performance management
  • Resource management
  • Relationship management
  • Team building
  • P C skills
  • Planning

Knowledge, Expertise And Experience

  • In-depth knowledge of the full range of Barclays Africa retail product set and service and an overview of corporate and small business services
  • In-depth understanding of technical support systems e.g. Flex, BOC, IBOC
  • Detailed understanding of the retail network business processes and operating procedures.
  • Thorough knowledge of operating instructions and audit requirements.
  • Good understanding of Absa Africa risk policy
  • Awareness of Absa Africa retail strategy, operating structures and interfaces
  • Knowledge of Absa Africa people policy and procedures
  • Understanding of the local

Experience:

  • Circa 2 years team leader experience
  • Record of achievement in a sales and service environment
  • Experience of handling customer complaints
  • Previous experience of handling operational risk issues
  • Previous roles could include
  • Personal banker team

Closing: 27 September 2022.

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