Learning Development jobs in South Africa

Empowering Africa’s tomorrow, together…one story at a time. With over 100 years of history and positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this growth journey, shaping our future as a proudly African group. The purpose of the role is to conduct in-depth, specialised and quality credit assessment and risk analysis on potential Growth Portfolio clients to enhance decision-making regarding the Bank's appetite to extend credit. This includes financial analysis, interpretation and capturing of client information (company financial statements) and qualitative data.

• Risk Management
  • Monitor client performance on a continuous basis for risk indicators and perform formal reviews at specified intervals to identify changes in the client’s business or operating environment
  • Monitor adherence to covenants and conditions and discuss deviations with Sales team; escalate to Line Management and Credit if necessary
  • Adhere to ARMS credit requirements as stipulated in Absa credit policy; monitor and report boundary events per Operational Risk Boundary
  • Obtain input from Product Industry Specialist to assist in client solutioning and credit application process
  • Identify the need for meetings between high-risk clients, Credit and Business Support
  • Request updated valuations on properties serving as security for facilities in line with Absa Credit policies
  • Manage and communicate risks associated with outstanding securities
  • Proactively identify problematic/high-risk clients and advise Credit; manage them with input and implement loss preventative measures (e.g., EWL Reports)
  • Request and manage outstanding Financial Statements as stipulated in Absa Credit policy
  • Action and manage daily Odex, Referrals, REPL and REPC; contact clients on referral listings 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 full compliance; address and mitigate any policy breaches
  • Provide bank codes and reports on clients
  • Proactively manage credit risks associated with the portfolio and related products
  • Manage and drive the deal forum process to ensure high-quality applications are submitted to 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 and new facilities are granted
  • Draft and issue reminder letters when facilities expire (e.g., 30-, 60-, 90-day letters) according to policy
  • Contribute to Non-Interest Income by ensuring recovery of manual fees (e.g., reviews, valuations) to avoid revenue leakages
  • Spread client’s financials on Credit Risk Grading models (e.g., Agriculture Model, RiskCalc Model, Triad)
  • Provide Default Grading (DG) output from Credit Risk models
  • Capture all information on risk grading models accurately, ensuring model balance checks
• Client Solutioning and Customer Service
  • Identify cross-sell opportunities from analysis of client’s financials, account conduct and industry changes; pass leads to Relationship Executive/Transactional Banker
  • Attend sales best practice sessions with stakeholders, provide credit input to mitigate risk on products or acquisitions, and monitor progress through the sales funnel to deal conversion
  • Research the industry of portfolio clients to understand profitability, trends, and market standing relative to competitors
• Teamwork and Self Development
  • Attend team meetings and contribute to service improvements and target achievement
  • Develop supportive relationships and team spirit; communicate concerns constructively
  • 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 while helping others
  • Demonstrate willingness and ability to perform at the best level aligned with ABSA’s values and vision

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

• The position is On-site and will require some physical travel to clients

• Bachelor’s Degrees and Advanced Diplomas in Business, Commerce and Management Studies, or 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 (Advantageous)

Education: Bachelor’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