Learnership at ABSA – Analyst Credit Commercial

Website Absa Group Limited

Job Description:

To provide advice and support in banking analytics practice formulation and associated best practice improvement tactics; enabling the provision of specialist expertise.

Job Responsibilities:

  • Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
  • Monitor client’s performance on a continuous basis for risk indicators and perform formal reviews at specified time intervals to identify any changes in the client’s business or operating environment.
  • Adhere to ARMS credit requirements as stipulated in the Absa credit policy
  • Adhere to Bank’s credit policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed and mitigated.
  • Spread client’s financials on the various Credit Risk Grading models i.e. Agri Model, Public Sector Model, Risk Calc Model and Triad.
  • Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA’s values and vision.
  • Provide bank codes and reports on clients, to other financial institutions.
  • Monitor adherence of covenants and conditions on a continuous basis and discuss any deviations and possible concerns with Sales team and escalate to Line Management and Credit if necessary.
  • Create and maintain a detailed due diligence record of the client portfolio’s, detailing what facilities they have, so that information is readily available for reporting purposes.
  • Explore new, improved and alternative ways of solutioning client credit requirements.
  • Contribute to the Non-Interest Income by ensuring recovery of manual fees (e.g. Reviews, Excesses, late submissions of debtors, valuations) to avoid revenue leakages.
  • Maintain thorough, accurate and up to date credit files, which include a set of financials, valuations, credit decisions and all client related communication.

Job Requirements:

  • Digitally Empowered
  • Values Driven
  • Pan African Citizen
  • Drives Results
  • Creative Problem Solving
  • Customer Obsessed
  • Exceptional Team Player

Qualification & Experience:

  • At least two (2) years’ experience in reading and interpreting company financials and other industry trends.
  • At least two (2) years’ experience structuring credit solutions and guide the credit process with the relevant parties.
  • Understanding of credit solutioning – internal networking/credibility
  • B Degree in Commerce/Finance or an NQF Level 7 Equivalent
  • Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status

Job Details:

Company: Absa Group Limited

Vacancy Type:  Full Time

Job Location: Brits, North West, SA

Application Deadline: N/A

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