Absa – Risk Management Jobs

To apply, click on the link at the end of the posts and all the best with your applications

Investigator Regional Fraud Risk KZN

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job SummaryTo provide specialist investigations, advice, support enabling the provision of effective Fraud Risk Management Services.

Job Description

Investigations:

• Investigate all theft, fraud and corruption cases allocated, end to end by ensuring that all investigative/operative methodologies and standards (e.g. planning, reporting) are adhered to within prescribed time limits Compile a comprehensive case report containing the factual findings of the investigation, recommendations addressing people, processes, procedures and system failures or internal and external threats and forward the final report to Stakeholders.
• Provide relevant findings and evidence for the use in disciplinary purposes and CCMA matters to Line Management and Employee Relations to ensure that appropriate and successful sanctions are handed down. Attend disciplinary / CCMA hearings when required.
• Attend criminal / civil court proceedings when summons to do so, to provide expert evidence in Court, relating to Absa’s products, processes and flow of transactions to obtain successful prosecutions.

Risk Identification and Fraud Prevention:

• Identify fraud risks or emerging risks during the course of an investigation or interactions with internal and external stakeholders, escalated upon discovery, to the relevant business unit and the Fraud Defence/Strategy Recoveries and Remediation Department for assessment and closing of gaps related to processes, policies and systems. Conduct a proper risk assessment with each investigation, which includes quantification of the loss, insurance claims, media impact / exposure, blocking accounts, claims, provisions, risk mitigation and compliance reporting, Ombudsman queries and engaging with Group Legal Services etc.
• Identify high-risk Business areas, through feedback received from parties attending risk forums / investigations outcomes and perform specific fraud awareness presentations at the respective Business Units to the identified staff.
• Inform Heads of Business via e-mail of new trends / scams identified with further escalation to Stakeholders and Business Units for further actions. | Operational Requirements and Compliance: Identify areas of improvement, make suggestions/recommendations on ways of working, concerning the investigative and operating methodologies, to line management, for further consideration, to improve standards and workflow.
• Adhere and comply with the Group policies and procedures as set out on the Absa Intranet i.e. attestations, compulsory compliance training, via the Absa Learning system. Work co-operatively with colleagues, contributing positively and constructively to the achievement of the organizations’ objectives.

Stakeholder Management:

• Develop and maintain relationships (establish relevant networks) with all internal and external stakeholders such as however not limited to (Absa Business Units, SAPS, other Banks, SARS etc..) to ensure that their co-operation can be obtained when required for key operations (e.g. recovery actions, data mining). Interact with counterparts in the industry to share information, gain an understanding of the threats and risks and to ultimately keep abreast of changes in the field and in the industry.
• Actively participate in regular meetings with stakeholder / business, providing meaningful input and sharing information on best practices / investigation findings /risk identifications etc.

Education:

• Bachelors Degree or Advances Diploma in Law/ Security/ Military Science/ Forensics/ Risk
• Relevant Degree, postgraduate qualification
• CFE Certification advantageous.

EducationBachelor`s Degrees and Advanced Diplomas: Law, Military Science and Security (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Click here to apply

Manager- Technology Risk

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job SummaryThe jobholder is responsible for managing the Technology Risk environment within Absa Bank (Mauritius) limited, ensuring compliance with Absa’s technology risk policies and standards as well as regulatory guidelines in line with Absa’s Enterprise Risk Management Framework.
The jobholder will have the responsibility of ensuring appropriate controls are in place and effectiveness of same is tested and monitored on an ongoing basis.

Job Description

Technology Risk and Compliance

• Responsible for managing Technology Risk across the bank and providing management an impartial and independent view
• Driving all technology risk initiatives both in-country and from regional office.
• Ownership of all technology risk related assessments and reporting, as may be required, ensuring same is completed accurately and to the required standard and in a timely manner
• Policies, Standards & Industry Best Practices
• Drafting, enhancing and implementing policies, processes and security frameworks across the bank as required
• Ensure compliance with relevant standards, policies and industry best practices
• Ensure appropriate controls are in place across the Absa Mauritius estate
• Ensure regular self-assessment exercises are completed to evidence effectiveness of the controls in place and embedment of processes.
• Ensure all issues/ non compliance are identified and logged using the established process
• Recommending and Implementing improvements to the control environment
• Ensure that processes, control requirements and risk management frameworks that impact the area are understood by all members of the team.
• Represent the Digital Transformation and Technology function in all risk discussions and at all Risk forums, in country as well as at ARO level.

Assurance Exercises

• First point of contact for all technology audit/assurance exercises (from 1st line, second line, third line as well as External auditors)
• Ensure closure of all audit observations within agreed timelines

Vulnerability Management

• Ensure all services (applications and infrastructure) are periodically assessed, through vulnerability assessments and penetration testing, and all gaps identified are remediated in a timely manner
• Ensure risk events are captured are logged on the strategic platform as per the agreed process and timelines
• Collaborate with risk and control colleagues across the bank for the scoping of policies/initiatives/projects/plans to ensure fair coverage, protection of the bank’s reputation and income and the overall sustainability of the bank
• Owning and managing of third party/vendor risk management issues ensuring compliance to Absa’s standards and policies
• Act as the Digital Transformation & Technology BCM Coordinator vis-à-vis ABML BCM Teams & Business functions and responsible for ITDR/PATS Testing & Remediation as per Group’s Application/Infrastructure Tier and prescribed testing period

People Management

• Responsible for driving own Performance Development, setting yearly KPIs and agreeing with line manager. Also has the responsibility to ensure regular check-ins/ reviews are prepared and arranged for within agreed timelines.
• Responsible for keeping up to date with evolving security trends and undertaking all necessary trainings in order to perform the role to the required standards, including gaining certifications where appropriate
• Responsible for undertaking all necessary trainings in order to align to the strategic direction of ABML and Absa group and ensure effective IT support in line with new technologies

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

Click here to apply

Senior Credit Analyst-VP

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job SummaryManage a portfolio of clients within the Resources & Project Finance Credit Risk team.
– To conduct quality credit risk assessments and reviews that present commercially minded solutions through analysis of financial, industry and economic information in support of the decision-making process.
– Facilitate the credit sanctioning process to ensure responsible risk decisions. This will include the preparation of credit applications and the presentation of recommendations to the relevant risk committees.
• Accountability for the full credit lifecycle of the portfolio including granting of facilities, implementation, systems, post-implementation monitoring.
– Ongoing management of the portfolio through portfolio reviews and management information.
– Independently building and managing relationships with key relevant business partners to ensure delivery under the organization’s strategy.
– Ensure an efficient and timely risk delivery to clients.

Job Description

Accountability: Credit Risk Management:

• To take ownership and control of credit risk related work on a defined portfolio of Resource & Project Finance clients against which Absa Group Ltd has credit facilities.
• The candidate is to carry out comprehensive and quality credit risk functions. Functions cut across the credit lifecycle (i.e. granting, implementing, managing and restructuring).
• Representing Credit to Senior Management in various committees, presenting analysis of the aggregate portfolio risk and composition.
• Presentation of portfolio risk analysis to the relevant risk committees.
• Developing and delivering relevant Monthly Risk MI for Senior Management, including analysis and commentary, ensuring risk issues on the defined portfolio are well understood and presented transparently.
• Manage exposures including the accurate maintenance of the data on relevant risk systems.
• Create presentations and technical documents designed to articulate key risks to various forums and credit committees.
• Monitor adherence of covenants and conditions on a continuous basis and identify any deviations and possible concerns.
• Create and maintain an accurate due diligence record of the client portfolio, detailing what facilities they have and the associated terms and conditions.
• Manage and communicate the risks associated with outstanding securities.
• Understand and manage the required inputs into the banks models ensuring validity and accuracy.
• Monitor the client business performance and identify relevant risks to ensure early identification of change in the client’s business or operating environment and watchlist accordingly.
• Proactively utilise the systems and tools available for Credit Risk and partake in the ongoing development and feedback of these systems to deliver and enhanced automated credit function.
• Manage all administrative and operational aspects of the relevant portfolio of clients ensuring completeness, accuracy and validity of data.
• Build and manage relationships with key relevant business partners.
• Maintain and manage the relevant portfolio within the defined appetite levels.

Accountability: Governance

• Ensure that the Bank’s credit policies and philosophy are complied with.
•  Ensure understanding and adherence to relevant Legal requirements relevant to the Credit Lifecycle and specific industry.
• Complete the necessary training requirements and Compliance processes in a timely manner.

Accountability: Other

• Support in creating a high-performance culture of individuals who are engaged.
• Contribute fully, including suggestions for ways of improving risk delivery and management through ongoing projects.
• Portraying the right values and behaviors in the achievement of the Risk Strategy.
• Contribute to ongoing projects to improve risk delivery.
• Develop relationships with colleagues and create a sense of engagement.
• Communicate concerns or challenges faced in a constructive and positive manner.
• Develop and maintain contacts with Specialists in other areas of the Group.
• Embrace and adapt to the diversity and change within the current Banking environment.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to the Credit Risk Strategy.

Education and Experience Required

• B-degree in Business or Commerce (or similar)
• Relevant postgraduate qualification such as CA(SA) / CFA preferable with 5 years experience within a credit risk environment or relevant sector experience (Mining, Oil & Gas, Project Finance).

EducationBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Click here to apply

Analyst Credit Premium II

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job SummaryThe purpose of the role to conduct an in‐depth, specialised and quality credit assessment and risk analysis on potential and a Premium Portfolio, to enhance the decision-making process involved in determining the Bank’s appetite to extend credit to these clients. Financial analysis, interpretation and capturing of client information (company financial statements) and qualitative data.

Job Description

Risk Management

• 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.
• 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.
• Adhere to ARMS credit requirements as stipulated in the Absa credit policy. Monitor and report boundary events in terms of the Operational Risk Boundary.
• Obtain input from Product Industry Specialist, where appropriate to assist in client solutioning and credit application process.
• Identify the need for a meeting between high-risk clients, Credit and Business Support.
• Request updated valuations on properties that serve as security for facilities in line with Absa Credit policies.
• Manage and communicate the risks associated with outstanding securities.
• Pro-actively identify problematic /high-risk clients and advise Credit, accordingly, manage them with a view to provide special input and implement loss preventative measures i.e., EWL Reports.
• Request and manage outstanding Financial Statements as stipulated in the Absa Credit policy.
• Action and manage daily Odex, Referrals, REPL and REPC. Contact clients that are on the referral listing for rectification.

Credit Management

• Explore new, improved, and alternative ways of solutioning client credit requirements.
• 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.
• Provide bank codes and reports on clients.
• Pro‐actively manage credit risks associated with the portfolio of clients and their related products.
• Manage and drive the deal forum process to ensure quality applications are submitted to the sanctioners with sustainable credit solutions.

Portfolio Financial and Operational Management

• Compile reviews, amendments, and new applications to the appropriate lending authorities.
• Issue facility letters to clients after reviews have been compiled and new facilities granted.
• Draft and issue letters of reminder when facilities expire according to policy requirements, for example 30-, 60- and 90-day letters.
• Contribute to the Non‐Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to avoid revenue leakages.
• Spread client’s financials on the various Credit Risk Grading models i.e., Agri Model, Public Sector Model, RiskCalc Model and Triad.
• Provide the Default Grading (DG) output from the Credit Risk models.
• Capture all information on the various risk grading models 100% accurately by checking that all the models balance.

Client Solutioning and Customer Service

• Identify cross sell opportunities from analysis of Client’s financials, account conduct and industry change and pass on to Relationship Executive/Transactional Banker as a lead.
• Be part of the solution by attending sales best practice sessions with relevant stakeholders, give credit input to mitigate risk on the identified product offering or new acquisition, and monitor progress on the sales funnel, until the lead is converted into a deal.
• Conduct research on the industry in which the portfolio clients operate, to understand the industries overall profitability, industry trends and clients market standing relative to their competitors.

Teamwork and Self Development

• Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
• Develop supportive relationships with colleagues and create a sense of team spirit.
• Communicate concerns or challenges that derive from team interactions in a constructive and positive manner.
• Develop and maintain contacts with Specialists in other areas of Relationship Banking and the Group.
• Keep abreast of regulatory changes through regular training.
• Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA’s values and vision.

Competencies:

• Planning and organising
• Working with people
• Writing and reporting
• Financial analysis
• Applying expertise and technology
• Entrepreneurial and commercial thinking
• Persuading and influencing

Minimum Qualifications/Requirements

• Bachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Credit Risk with five years or more of relevant work experience.
• Strong computer skills and experience with Microsoft Office, especially Excel.
• Agricultural Credit Analysis experience (Preferred)

EducationBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Click here to apply

Specialist – Credit Analyst Premium Business

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job SummaryThe purpose of the role to conduct an in‐depth, specialised and quality credit assessment and risk analysis on potential and a Premium Portfolio, to enhance the decision-making process involved in determining the Bank’s appetite to extend credit to these clients. Financial analysis, interpretation and capturing of client information (company financial statements) and qualitative data.

Job Description

Risk Management

• 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.
• 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.
• Adhere to ARMS credit requirements as stipulated in the Absa credit policy. Monitor and report boundary events in terms of the Operational Risk Boundary.
• Obtain input from Product Industry Specialist, where appropriate to assist in client solutioning and credit application process.
• Identify the need for a meeting between high-risk clients, Credit and Business Support.
• Request updated valuations on properties that serve as security for facilities in line with Absa Credit policies.
• Manage and communicate the risks associated with outstanding securities.
• Pro-actively identify problematic /high-risk clients and advise Credit, accordingly, manage them with a view to provide special input and implement loss preventative measures i.e., EWL Reports.
• Request and manage outstanding Financial Statements as stipulated in the Absa Credit policy.
• Action and manage daily Odex, Referrals, REPL and REPC. Contact clients that are on the referral listing for rectification.

Credit Management

• Explore new, improved, and alternative ways of solutioning client credit requirements.
• 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.
• Provide bank codes and reports on clients.
• Pro‐actively manage credit risks associated with the portfolio of clients and their related products.
• Manage and drive the deal forum process to ensure quality applications are submitted to the sanctioners with sustainable credit solutions.

Portfolio Financial and Operational Management

• Compile reviews, amendments, and new applications to the appropriate lending authorities.
• Issue facility letters to clients after reviews have been compiled and new facilities granted.
• Draft and issue letters of reminder when facilities expire according to policy requirements, for example 30-, 60- and 90-day letters.
• Contribute to the Non‐Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to avoid revenue leakages.
• Spread client’s financials on the various Credit Risk Grading models i.e., Agri Model, Public Sector Model, RiskCalc Model and Triad.
• Provide the Default Grading (DG) output from the Credit Risk models.
• Capture all information on the various risk grading models 100% accurately by checking that all the models balance.

Client Solutioning and Customer Service

• Identify cross sell opportunities from analysis of Client’s financials, account conduct and industry change and pass on to Relationship Executive/Transactional Banker as a lead.
• Be part of the solution by attending sales best practice sessions with relevant stakeholders, give credit input to mitigate risk on the identified product offering or new acquisition, and monitor progress on the sales funnel, until the lead is converted into a deal.
• Conduct research on the industry in which the portfolio clients operate, to understand the industries overall profitability, industry trends and clients market standing relative to their competitors.

Teamwork and Self Development

• Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
• Develop supportive relationships with colleagues and create a sense of team spirit.
• Communicate concerns or challenges that derive from team interactions in a constructive and positive manner.
• Develop and maintain contacts with Specialists in other areas of Relationship Banking and the Group.
• Keep abreast of regulatory changes through regular training.
• Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA’s values and vision.

Competencies:

• Planning and organising
• Working with people
• Writing and reporting
• Financial analysis
• Applying expertise and technology
• Entrepreneurial and commercial thinking
• Persuading and influencing

Minimum Qualifications/Requirements

• Bachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Credit Risk with five years or more of relevant work experience.
• Strong computer skills and experience with Microsoft Office, especially Excel.
• Agricultural Credit Analysis experience (Preferred)

EducationBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised

Click here to apply

Manager Regional Security

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job SummaryTo plan, manage and monitor the implementation of security management activities and processes in order to deliver on approved operational plans in an effective and efficient manner.

Job Description

Click here to apply

Manager Regional Security (Eastern Cape)

Bring your possibility to life! Define your career with us

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Are you ready to make a difference?

Our Chief Security Office prides itself in its unique structure that sees an integration and collaboration model between our Information Risk, Cyber, Business Continuity, Physical Security & Forensics teams to ensure effective risk management across all disciplines. It also carries the responsibility of owning, operationally supporting and maintaining specialist security services to safeguard the confidentiality, integrity and availability of infrastructure and information to our customers in order to meet industry and regulatory requirements and good practice.

You will be responsible for providing Security Risk Management for Absa Group Ltd premises (e.g. Branches, Corporate Buildings, ATMs etc.) in a defined region (e.g. Free State, Northern Cape, North West, etc.) in accordance with Absa Group Physical Security and Violent Crimes (GPS) policies, standards and procedures.

What you’ll get to do:

The position is within the Chief Security Office, and your responsibilities will include the following:

• Conduct and report Security Risk Assessments (SRA) against agreed schedule, standards and guidelines and monitor the implementation of SRA recommendations.
• Present security awareness training to staff
• Liaise with business units and provide expert opinions on new developments, products and solutions regarding physical security risk factors relating to the assigned portfolio, within the designated region.
• Attend SA Police and industry forums to establish and maintain networks, identify common risks and solutions.
• Liaise with and report on ABSA Forensic & Security (AFS) – Physical Security and Serious Violent Crimes deliverables to internal clients, as well as the performance of internal and external service partners, according to mutually agreed SLAs and SOPs.
• Ensure implementation of the security strategy and serve as an advisor related to Physical Security measures, for the specific area of responsibility, within the region.
• Minimize Absa’s non-trading losses related to physical security breaches by providing statistics on incident losses and predictions of future possible incident rate, discuss and determine the risk appetite per business unit or individual client/s.
• Escalate crime predictions to the business for proactive risk management in line with budget.
• Report writing.

Preferred Qualifications and Years of Experience:

• 3 year Security Risk Management Diploma or equivalent NQF level 5 qualification
• 5 years’ experience in Security Risk Management or related discipline.
• 2 years management experience in a Security Risk Management or related discipline
• Advance Diploma in Security management
• Higher Diplomas: Law, Military Science and Security (Required),
• No criminal or adverse credit record
• General experience of the Banking environment
• Application of Project Management methodology
• Knowledge of Cash Chain Security
• Knowledge of Premises security
• Knowledge of ATM security
• Knowledge of Retail Branch security
• Knowledge of security technology, alarm systems, CCTV, etc.

If you’re passionate about working in a fast-paced environment and contributing to the exciting world of Security by leading from the front, we would love to hear from you!

EducationHigher Diplomas: Law, Military Science and Security (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Click here to apply

Corporate Credit Manager

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job SummaryThe role holder 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.
Closely work with corporate colleagues to achieve customer satisfaction and deliver high quality service.

Job Description

Credit Risk Management

Time split : 60%

• 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  

Business Risk

Time split : 20%

• 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

Team Working

Time Split : 10%

Output:

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

Risk & Control – Time Split: 10%

• 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 & Experience Required:

Essential

• University degree in any of the following fields: Commerce, Accounting, Economics, Statistics, Business Administration or Finance.
• A relevant master’s degree and/or related professional qualification will be an added advantage e.g. ACCA, CPA, CFA, etc.
• A minimum of five (5) years’ experience in the corporate lending specifically in origination, credit analysis, credit risk structuring of transactions covering multiple industry sectors.
• Excellent understanding of corporate credit and associated risks
• Knowledge of commercial legal environment.
• Relevant credit accreditation will be an added advantage.

Competencies and Skills

• Risk assessment; analytical and numerate skills (acquired through credit courses attended and successfully completed)
• Awareness of credit programs and IT skills
• Inter-personal skills
• Communications and presentation skills
• Negotiation Awareness of local & regulatory guidelines 

Knowledge and Expertise

• Understanding of Corporate Banking business and People strategy
• Detailed understanding of Absa Bank Ghana strategies and objectives
• Sound understanding of external business, legal and regulatory environment and impact
• Broad knowledge or appreciation of the banking sector, credit management

EducationBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Click here to apply

Manager Customer Credit & Pricing

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

Job SummaryThis position is responsible for shaping and executing customer strategies that align with the group’s credit objectives. The role spans the entire credit lifecycle, including defining risk appetite, optimizing pricing and capital, managing portfolios, and driving effective collections strategies. It ensures credit-related initiatives support sustainable growth and profitability while maintaining compliance and risk standards.

Job Description

Credit Strategy Development

• Formulate and implement customer-level credit strategies that align with group objectives and regulatory requirements.
• Champion customer-centric credit decisioning to enhance engagement and drive sustainable profitability.

Risk Appetite & Governance

• Define and monitor credit risk appetite across portfolios, ensuring adherence to governance frameworks.
• Support stress testing and integrated planning to contextualize credit outlook.

Pricing & Capital Optimization

• Develop risk-based pricing models to balance profitability and customer value.
• Optimize capital allocation and utilization within regulatory and economic constraints.

Portfolio Management

• Oversee portfolio shape, emerging risks, and concentration management.
• Ensure consistent risk and performance measurement across business segments.

Collections & Recovery Strategy

• Design and implement effective collections strategies to minimize credit losses.
• Collaborate with recovery teams to enhance debt management processes.

Data & Insights

• Leverage predictive modeling and analytics for proactive credit decisioning.
• Drive visualization and dashboard development for performance tracking.

Team Management

• Lead, develop, and inspire team members to achieve high performance and support their career growth.
• Foster a collaborative and inclusive team culture, encouraging knowledge sharing and continuous improvement.

Stakeholder Management

• Build and maintain strong relationships with internal and external stakeholders.
• Engage with senior leaders, cross-functional teams, and external partners to ensure alignment and effective delivery of credit strategies.

EducationBachelor Honours Degree: BMI – Business Management and Informatics, Bachelor Honours Degree: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Click here to apply

Securities Officer

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

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

Job Description

Business Management: Time split 60%

• Manage all work received and sent out of the centre
• Ensure confirmation and maintenance of security documents is done
• Thorough checking of new submissions and perfected securities to safeguard the Bank /risk position.
• Resolving of CMP/ Branch network queries through telephone and correspondence and     advice on suitable security arrangements for the Bank.
• Send regular updates to Branches and conclusive chasers for outstanding matters.
• Maintain high level of customer service standards by monitoring SLA with branches and Lawyers.
• Maintain robust controls on security documents held in the Unit in the course of documentation.
• Participate effectively in new projects and provide adequate resources for successful implementation and roll-out.
• Manage crisis and expedite solutions to restore procedures and maintain SLA.
• Ensure filling, scanning and retrieval of security documents is done.
• Ensure customer documents are kept in secure locations at all times.
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Office and Staff Administration: Time split 30 %

• Build Team working that achieves quality service levels and supports AML goals.Improve and manage productivity through work measurement initiatives and refined procedures.Organize regular meetings with virtual team across the business to evaluate and improve end to end work processes, and discuss and resolve issuesTest and review contingency plan on a regular basis.Prepare periodical returns within set deadlines.Monitor Office accounts and ensure adequately protected and reconciled.Manage reports and ensure properly actioned.undefinedundefined

Risk and Control: Time split 10 %

• Be in control of the charge back and reconciliation process to ensure minimum losses.Closely supervise the merchant deposit scrutinizing and batching to avoid fraudsMaintain the reconciliation of all accounts to minimize losses.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.

EducationFurther Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

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