Corporate Credit Manager by Absa Bank

• A member of the Corporate team, and will be the credit expert to nominated Relationship Managers working with a defined portfolio of high value, complex and sophisticated customer connections, acting as the conduit to Credit for sanctioning purposes.
• Develop practical and appropriate credit solutions (i.e. Lending structures) through understanding customer's needs.
• Deliver high quality and consistent, credit applications, making recommendations.
• Monitor and control nominated accounts within designated portfolios and Maintain integrity of credit reporting as opposed to core banking system and update financial information.

• Assess a customer's business through the analysis of Business and Credit risks associated with the provision of the Bank's products and services to the customer
• Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams
• Be the joint contact for credit management purposes for accountants, solicitors and other professionals
• Preparation of good quality credit applications with paper attachments for recommendations to the Sanctioner (ultimate approval authority).
• Responsible for managing financial information produced by customers
• Monitor and Control quality of portfolio using 'Condition of Sanction' triggers where possible and in accordance with internal guidelines and policies - Discussing with Sanctioner trigger events if they give cause for concern, advising the Relationship Manager simultaneously

• 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
• Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers
• Attend customer meetings with the Relationship Manager if credit related issues are to be discussed/need to be resolved
• Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions
• Support and contribute to specific industry focus as determined by the Corporate and Credit teams

• Develop and maintain a close working relationship with Relationship Managers and Credit Managers.

• 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.

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