Absa Bank – Remote Working

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

Financial Adviser: KZN Everyday Banking STLT (FAIS)

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 SummaryProvide specialist advise and support for day-to-day work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders, including regulators, suppliers, clients, service providers, business partners and other Absa entities | Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets | Customer Engagement: Do activity planning by identifying the clients to be contacted during a particular period. | Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards | Manage own broker practice: Ensure that staff members (Broker Assistants an Interns as relevant) have a clear understanding of their roles and responsibilities within the practice

EducationFurther Education and Training Certificate (FETC): 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

Financial Adviser: EC Everyday Banking STLT (FAIS)

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 SummaryProvide specialist advise and support for day-to-day work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders, including regulators, suppliers, clients, service providers, business partners and other Absa entities | Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets | Customer Engagement: Do activity planning by identifying the clients to be contacted during a particular period. | Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards | Manage own broker practice: Ensure that staff members (Broker Assistants an Interns as relevant) have a clear understanding of their roles and responsibilities within the practice

EducationFurther Education and Training Certificate (FETC): 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

Financial Adviser: Gauteng Everyday Banking STLT (FAIS)

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 SummaryProvide specialist advise and support for day-to-day work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders, including regulators, suppliers, clients, service providers, business partners and other Absa entities | Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets | Customer Engagement: Do activity planning by identifying the clients to be contacted during a particular period. | Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards | Manage own broker practice: Ensure that staff members (Broker Assistants an Interns as relevant) have a clear understanding of their roles and responsibilities within the practice

EducationFurther Education and Training Certificate (FETC): 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

Head of Asset Finance

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 Summary• The Asset Finance Unit is a completely new function in Kenya, intended to deliver high-quality support to Corporate and Business Banking teams, by providing Asset Finance expertise, sales advice, and administration of three new core products – FlexiBuy, FlexiRent, and FlexiLease.

• Asset Finance Manager will primarily be the ‘champion’ for Asset Finance, responsible for sales of Asset Finance products, and also for managing the operations of the Unit as a whole.

• The key responsibility will be driving sales in conjunction with Relationship Teams, to assist Corporate and Business Teams to achieve their targets

• The holder will also have responsibility for the Asset Finance Unit as a whole, including all administrative processes, to provide leadership and accountability and manage the day-to-day issues and activities of the team.

• Management of the administrative processes will be undertaken by the Asset Finance Administrative Manager, who will report to the Asset Finance Sales Manager. The Asset Finance Sales Manager is therefore not expected to become directly involved in the day-to-day management of administrative issues but will be directly responsible for the unit.

• In summary, the holder of this highly innovative and challenging role will have ultimate responsibility for embedding Asset Finance in Kenya, for the product line throughout the whole country, and will be required to meet tough targets for developing the Asset Finance book.

Job Description

Key accountabilities/Deliverables/Outcomes

Accountability: sales, service and customer relationship management – Time split%: 50%

• Managing and leading customer relationships
  • Managing all Asset Finance customer relationships, dealing with issues proactively and reactively
  • Working in close cooperation with Relationship Teams, to provide a world-class Asset Finance offering to customers
  • Managing dealer and supplier relationships
  • Making product presentations to prospective customers
• Deal structuring
  • Supporting Relationship Teams, structuring deals according to tax position to best advantage the Bank and customers
  • Negotiate transactions with customers
• Sales
  • Delivering excellence in sales, developing new leads from outside the Bank
  • Using the existing corporate network to maximise sales to Bank customers
  • Performing to plans as agreed, to drive profitability and increase market share
  • Developing the profile of Asset Finance in Kenya
  • Developing and maintaining a leads database
  • Achieving the Asset Finance targets set for the entire country
  • Driving the growth of the Asset Finance book from a nil basis to £9.3m by the end of 2004
• Liaison with Relationship Teams
  • Support Corporate and Business Teams in the development and implementation of new Asset Finance products and services
  • Hosting customer meetings to sell Asset Finance, to ensure maximum taxation and structuring benefits are achieved
  • Training and development, coaching of corporate staff to ensure awareness of Asset Finance
• Managing the AON insurance relationship
  • Managing the AON relationship for insuring assets financed, including the identification of insurance needs to add value to customer relationships and reduce customer operational risks.
• Relationship building
  • Building relationships across the business, both internally and externally
  • Liasing with staff at all levels up to Managing Director
  • Building relationships with KBIs to encourage sales of the product set

Accountability: Risk Management – Time split%: 10%

• Managing the portfolio of the Asset Finance Unit, ensuring that risk profiles (book mix) are managed by sales of the correct products within approved risk management criteria
• Working in close relationship with CRST and Relationship Teams in drafting credit applications

Accountability: Staff management – Time split%: 20%

• Staff management
  • Provide a point of leadership for Asset Finance operations
  • Coach, develop and motivate staff in the Asset Finance Unit
  • Performance management of Asset Finance Unit staff
  • While the team is not large, the ultimate responsibility of the role holder is substantial
• Training & development
  • Responsibility for training and development for Asset Finance Unit staff
  • Overall responsibility for the training and development of staff

Accountability: Operational management – Time split%: 10%

• Administration
  • Overall responsibility for the Asset Finance administration department
  • Monitoring functions to ensure smooth running of day-to-day operations
  • Complaints procedures, queries, escalation dealt with effectively
• Reporting
  • Adherence to monthly reporting requirements and deadlines
  • Identifying issues and escalating appropriately
• Profit centre
  • Overall responsibility and accountability for the unit’s cost centre and budget, and Asset Finance for the entire country
• Documentation
  • Overall responsibility for the preparation of documentation, ensuring documentation is completed correctly and all procedures have been adhered to
  • Overall responsibility for the filing and safe custody systems
• Checks
  • Overall responsibility for adherence to Policy & Procedures
  • Asset Register maintained and correct
  • Reconciling records with registration documents
  • Undertaking periodic checks to ensure adherence with Policy & Procedures
  • Verification that correct deal procedures are undertaken
  • Overall responsibility for adherence with IT security procedures
• Arrears – overall responsibility for:
  • Reporting arrears to Relationship Managers
  • Processing arrears and payment defaults on IFS
  • Monitoring arrears outstanding
  • Collection of arrears

Role/person specification

Qualification

• ACIB qualification
• Accountancy qualification
• MBA

Experience

• Managerial experience
• Experience in team leadership
• Substantial experience in sales and customer relationship management

Knowledge and Skills

• Asset Finance knowledge will be beneficial but not essential
• Strong knowledge of the corporate banking product set – detailed knowledge of lending and risk

assessment procedures

• General knowledge of the banking and financial environment as a whole is desirable
• Development of excellent communication skills, external and internal
• Expertise in corporate products, lending, and the risk assessment procedure
• Strong structuring and negotiation skills
• Detailed knowledge of local taxation laws and practice, including VAT

Absa Bank Kenya is an equal opportunity, affirmative action employer. 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.

Application Deadline: 29th January 2026

EducationBachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)

Click here to apply

Country and Sovereign Risk Lead

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 drive the Team’s Research and Analysis objectives, with a primary focus on Country and Sovereign Risk Management for the organisation.

Job Description

• Lead and drive the team’s Research and Analysis outputs. This includes providing Risk insights on key risk macro-economic themes, socio-political risk factors and other jurisdiction risk factors in Sub-Saharan Africa (SSA) and other Emerging Markets. Also conduct Industry/sector analysis for various regions, and the wider global economy.
• Drive the team’s Reporting objectives, that is: preparation of Risk Committee/Board packs, provide oversight of Absa Group’s country and sovereign portfolio.
• Prepare Country and Sovereign Risk Rating reports for a host of countries (with a primary focus on SSA).

• Alongside the preparation of Country Risk Reviews, develop and provide inputs into the team’s Risk Models, that is: country and sovereign risk rating models and other macroeconomic forecasting models.
• Provide Risk support to the various Business teams – with a focus on providing deal (transaction) structuring advisory to mitigate country risks. Also assist in formulating risk-prudent strategies for the various markets that we operate in.
• Conduct country visits and/or virtual meetings with multilateral organizations, governments and key clients across African countries.
• Mentor junior members of the Country and Sovereign Risk team.

Qualifications and Experience:

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies. A postgraduate degree majoring in Economics and/or Development Finance is preferable.
• 7+ years in experience in Economic Analysis and Forecasting, Reporting and Country & Sovereign Risk Management.
• Previous experience in a financial institution, central bank, rating agencies or research entities will be an added advantage.

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

Business Analyst Systems

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 SummaryWork as part of a DevOps team, leverage specialist analysis & testing tools, frameworks, techniques and practices to elicit, define and organize business requirements. Translate & document business requirements into user stories & specifications (Full Stack, Cross System) detailing integration points, business & associated risk / opportunities to be realised. And following this analysis, work collaboratively within squads during design & delivery activity including assuming responsibility for manual application testing processes, frameworks & outcomes

Job Description

Job Details – Credit Risk Systems Specialist 

Key Accountabilities: 

• Understand stakeholder requirements and business objectives 
• Translate elicited needs and knowledge acquired into user story format 
• Prepare and prioritise the backlog of requirements for the user stories linked to the proposed solutions 
• Define measures of success & key outcomes for various solutions / changes including detailed acceptance criteria 
• Provide strategic guidance to clients on Credit Risk System and general technology 
• Provide strategic advice on how best to use technology to achieve goals 
• Manage Credit Risk system changes and collaborate with in-house technical staff 
• Assist Stakeholders through the change-management process 
• Provide expert technical assistance to stakeholders 
• Meet with stakeholders to determine project requirements and goals 
• Provide assistance with technical issues and investigate system related queries 
• Revise existing systems and suggest improvements 
• Design, test, implement and monitor changes 
• Prepare and keep documentation updated 
• Prior experience in basic programming languages 
• Prior experience using data driven decision engines (FICO Decision Modeler, TRIAD, BLAZE, POWERCURVE etc.) 
• In-depth understanding of the Credit Risk lifecycle 

Competencies:  

• Applying expertise and technology 
• Relating and networking 
• Presenting and communicating information 
• Creating and innovating 
• Formulating strategies and concepts 
• Adapting and responding to change 
• Delivering results and meeting customer expectations 
• Entrepreneurial and commercial thinking 
• Meticulous approach to work 
• Detail orientated 
• Problem solving skills, ability to trouble shoot complex system issues 
• Analytical thinker 
• The ability to multi-task and work under pressure while producing accurate outputs 
• Self-motivated and requires very little supervision 

 
Abilities/Requirements: 

• Credit Risk experience 
• Decision Engine or Rules Engine exposure  
• Basic IT Programming knowledge 
• Software consultancy background 

 
Education and Experience Required 

• B-degree in (Business, Risk Management or Computer Science) or equivalent NQF level 7 qualification 
• Experience using data driven decision engines 

• Programming skills to create credit rules in risk software would be an advantage 
• Minimum of 5 years’ experience in the deployment of systems and tools to manage credit and risk. 

 Additional Job Description

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and Absa Policies and Policy Standards.
  Understand and manage risks and risk events (incidents) relevant to the role.

EducationBachelor’s Degree: Information Technology

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

Area Segment Manager – Public Sector (FAIS)

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 Area Segment Manager (ASM) for Public Sector is a leadership role responsible for driving commercial performance, people leadership, and strategic execution within a defined geographic area. The role ensures alignment to Business Banking’s Public Sector strategy and supports sales, service, compliance, and operational excellence across the region. Formulate tactical strategy and associated delivery plans related to single practice areas. Ensure proactive integration and operational tactical enhancement.

Job Description

People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development

Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards

Business Management: Manage the levels of performance and service standards that need to be achieved by translating the Business Unit’s strategy into achievable objectives and contracting these through the Performance Development process for the team.

Collaboration: Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required.

Customer Experience: To provide service excellence and achieve customer satisfaction.

EducationNational Diplomas and Advanced Certificates: Business, Commerce and Management Studies

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

Internal Auditor – Operational 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.

Job SummaryTo monitor the risk profile of the business and execute audit assignments in accordance with the Group Audit Plan and Internal Audit methodology, relevant policies, procedures and quality standards.

Job Description

Audit planning

• Participate in the Annual Audit Planning cycle, provide input by taking into account the risk and control profile, business strategy and material risks affecting the business.

Assurance

• Develop an in-depth knowledge of Absa and the various business areas and use this knowledge to execute on assurance responsibilities.
• Actively participate in all the audit phases – planning and scoping (identification of risks and controls), fieldwork (execution of design and operating effectiveness assessments) and reporting (ensure audit observations and planned actions are agreed with management for factual accuracy).
• Ensure delivery adheres to the audit methodology and quality standards.
• Identify opportunities for using Data Analytics and enhanced automated auditing techniques.
• Prepare audit observations and make sure that they are concise, factually accurate and cover all of the significant issues. The observations must be insightful, address the root causes, and have agreed actions that fully mitigate the risk.

Teamwork

• Engage proactively with Internal Audit colleagues during assignments and request technical assistance where required and based on knowledge of business areas, provide guidance to other auditors and peers by sharing best practice so that their work meets and sometimes exceeds quality standards

Relationship and Portfolio management:

• Provide Operational Risk subject matter expert (SME) guidance to wider Internal Audit teams on internal audits, which have an Operational Risk impact.
• Business Monitoring and stakeholder engagement – Develop and maintain relationships with business (including 1and 2 Line of Defense) and actively monitor the risk profile of the business to inform audit planning, reporting and audit delivery. Support the Combined Assurance effort across the 3 LOD to strengthen the control environment.
• Provide input into Risk and Committee reporting, clear messaging and impact on the risk and control environment of the business.

Knowledge Management

• Display professional skepticism and apply a residual risk lens to potential audit issues with management and in final reporting.
• Continuous upskilling on both technical and other core competencies.
• Keeping up to date with industry trends, regulatory changes and professional standards.
• Based on knowledge of business areas, provide guidance to other auditors and peers by sharing best practice so that their work meets and sometimes exceeds quality standards

Education and Experience Required

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
• B Degree (Commercial, Accounting)
• B Degree Honours (Commercial, Accounting)
• CA (SA), CIA or relevant qualification
• Relevant banking industry qualification (e.g. SA Institute of Bankers)
• 3 to 4 years’ experience in Internal/External audit or commensurate experience in a major financial institution
• 3 years’ Operational Risk Management experience
• Strong knowledge of Basel IV
• Big 4 Completed Articles experience
• Banking experience either gained through auditing or risk management

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

UX/UI Designer

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 SummaryDesigners work with in established, ad-hoc product, or service teams to solve customer experience problems holistically through the skills of their discipline and their understanding of customer behaviour. Designers maintain and challenge the established standards in their discipline.
Designers have expertise in one or more of the core design disciplines (user experience design, user interface design, service design, customer research, prototype engineering and content strategy) and execute design on one project at a time.
They participate in project definition, not simply executing on a project, but also working with design leaders to shape the approach and structure of a project.
A successful Designer is a specialist in one or more of the core disciplines. They are self-starters with a passion for high quality design and the expertise in implementing high quality, considered design.
They have a strong track record of delivering complex, creative and innovative design projects that elevate the customer experience.

Job Description

Accountability: Problem solving and execution

• Follow an approach defined by the design team, collaborating with other designers and stakeholders to deliver design projects.

• Contribute to defining the approach for a specific design project with design leaders.

• Conduct research (primary and secondary) to understand user’s pains, gains and needs

• Execute design work based on steer from design leaders.

• Adapt designs based on feedback from customers and design leaders.

• Present design work to business stakeholders with the support of design project leads.

• Work with product / service teams to implement customer centric solutions for Absa.

• Advocate for design thinking methodologies and practices.

• Create production ready design deliverables.

Accountability: High quality design

• Create creative and innovative design solutions that deliver world-class customer experience.

• Apply design thinking and best practice design standards with the support of senior designers.

• Leverage insight and data, such as market analysis, customer feedback, user research and analytics to ensure that products/services/solutions are designed around the customer and deliver improved experience.

• Design mock-ups and prototypes as necessary for each stage of the project, continuously iterating to achieve the optimal solution.

• Align the design to the design standards and brand guidelines to ensure consistent experience across the Absa ecosystem

Accountability: Building capabilities

• Continuously develop your own expertise by, for example, actively seeking and incorporating feedback, and following external trends and best practices.

• Contribute to the knowledge building of the entire team by actively sharing insights and success stories.

• Continuously research and share insights into world standards and best practices.

Education and experience required

• Matric

• NQF 6 qualification in a Design discipline such as product, industrial, service, interaction, graphic, multimedia, communication, digital or visual design or equivalent qualification such as Marketing management, commerce, Psychology, engineering, sociology and anthropology, copywriting, etc.

• Minimum of 2 years of technical design experience or customer focused experience at scale

• Track record of delivering, high quality design projects, with strong customer impact.

• Experience conducting audience and usability research including benchmarking, heuristic reviews, surveys, analytics, stakeholder interviews, focus groups, contextual inquiry, and usability testing

• Ability to communicate ideas through drawing, digital tools, prototyping, model making, journeys etc.

Knowledge and skills: (Maximum of 6)

• Basic understanding of either Product or Service design.

• Understanding and proven ability in user experience design, user interface design, service design, customer research prototype engineering or content strategy.

• Problem-solving skills – ability to work tirelessly and think creatively in order to find solutions to problems that result in a great customer experience.

• Literacy of design tools specific to discipline.

• Understanding of the importance of data and insight in defining solutions and ability to use data in decision-making

• Awareness of new and emerging design trends and patterns in specific design discipline.

Competencies: (Maximum of 8 competencies)

• Ability to provide creative and innovative ideas and concepts to push the thinking on customer experience

• Delivering results and meeting customer expectations

• Strong attention to detail

• Great communicator with strong written and verbal communication skills

• Upholding standards by maintaining principles and values

• Continuous learning and researching to develop core expertise

• Ability to work within a team

EducationBachelor`s Degrees and Advanced Diplomas: Physical, Mathematical, Computer and Life Sciences (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

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

We wish you all the best with your applications