Credit Analyst

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Job Summary

To analyse the risks associated with new lending, structuring and derivative proposals with the intention of facilitating new business.

Job Description

Risk Management:

• Analyse customers’ businesses to understand the risks involved in offering them bank’s
• commercial’s products and services (e.g. loans, trade and working capital facilities).
• Understand the end-to-end commercial lending process and policies to structure and provide
• customer with the right credit solutions that balance customer needs with the bank’s risk appetite.
• Review and analyse financial statements, business performance, and market conditions to
• understand a customer’s ability to repay.
• Undertake cashflow modelling to assess the viability of lending requests.
• Develop high‑quality, well‑structured credit paper (from Management, Industrial and Financial
• analysis) that will enable faster decision‑making and credit approval.
• Work with the Sales team to understand businesses’ requirements and to support the preparation
• of strong credit applications.
• Help the Business Banking unit understand key lending opportunities and determine appropriate
• levels of risk for various industries.
• Oversee the full process of credit risk reports, challenging Sales team when risks or control issues
• are identified.
• Serve as a technical expert and trusted advisor on credit matters for Sales and Credit risk team.
• Contribute to the development of Wholesale Credit Policy when required.
• Produce accurate and meaningful management reports for leadership within set deadlines.
• Assist in implementing changes that improve processes, increase quality, reduce costs, and strengthen the Business Banking team.
• Collaborate with colleagues to anticipate, respond to, and exceed customer expectations

Business Risk Partnership

• 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 and policy framework
• Attend customer meetings with the Relationship Manager 
• Support and contribute to specific industry focus as determined by the Corporate and Credit teams
•  Maintain strong working relationships with Corporate Banking and other internal teams to resolve outstanding issues.
• Participate in risk meetings and provide valuable insights.
• Ensure full compliance with regulatory requirements, the Enterprise‑Wide Risk Management
• Framework, and all internal ABSA policies and standards.
• Identify, understand, and proactively manage risks or incidents related to your role.

Teamwork

• Support Business Credit Manager in delivering effective performance development for individuals within the team
• Develop and maintain a close working relationship with RMs and other functions.
• Develop and maintain a database of management information to assist the monitoring and control at the Corporate and individual portfolio level.
• Attend all meetings relevant to the job and to report on issues affecting team performance.
• Participate, support and contribute in team activities, launches and social occasions conducted by the Business Banking.

Risk & Control

• 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.

Education

Higher Diplomas: Business, Commerce and Management Studies (Required)