Corporate Credit Manager - Business Banking

About the role

A member of the Business Banking team who acts as the credit expert for nominated Relationship Managers working with a defined portfolio of high-value, complex and sophisticated customers. The role supports these managers with credit solutions and applications, and acts as the conduit to Credit for sanctioning purposes. The position is based in the Accra and Tema region.

Key responsibilities

• Credit risk management (60%): assess customers' businesses by analysing business and credit risks, develop credit solutions to obtain fast approval from Credit teams, prepare credit applications with supporting documents for recommendation to the sanctioned authority, and monitor and control portfolio quality using Condition of Sanction triggers in line with internal guidelines
• Business risk (20%): partner with Relationship Managers on new and existing applications, advise on credit appetite, attend credit-related customer meetings, and contribute to change management and industry focus areas
• Team working (10%): build close working relationships with Relationship Managers and Credit Managers
• Risk and control (10%): ensure compliance with regulatory requirements, the Enterprise-Wide Risk Management Framework and internal Absa policies
• Maintain integrity of credit reporting against the core banking system and update financial information

Required profile

• Bachelor's degree or advanced diploma in Business, Commerce and Management Studies (required)
• Top graduate calibre with a passion for creating a legacy
• Sound understanding of the external business, legal and regulatory environment and of the banking sector

Required skills

• Risk assessment and analytical and numerate skills (acquired through credit courses)
• Knowledge of credit programs and IT skills
• Interpersonal, communication, presentation and negotiation skills
• Awareness of local and regulatory guidelines