Corporate Credit Manager

About the role

A member of the Corporate 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 serves as the conduit to Credit for sanctioning purposes, develops credit solutions such as lending structures, delivers high-quality credit applications and recommendations, and monitors and controls the nominated accounts while keeping credit reporting separate from the core banking system.

Key responsibilities

• Credit risk management (60%): assess customers' businesses through analysis of business and credit risks, develop credit solutions to obtain fast approval from Credit teams, prepare credit applications with supporting documents for the sanctioned authority, manage customer financial information, and monitor 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%): maintain close working relationships with Relationship Managers and Credit Managers
• Risk and control (10%): ensure all activities comply with regulatory requirements, the Enterprise-Wide Risk Management Framework and internal policies

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, analytical and numerate skills (from completed credit courses)
• Knowledge of credit programs and IT skills
• Interpersonal, communication, presentation and negotiation skills
• Understanding of corporate banking business and people strategy, and of Absa Bank Ghana's strategies and objectives