Senior Credit Sanctioner

Job description

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 role is responsible for credit risk structuring, evaluation, and sanctioning of lending proposals within the Business Banking segment. It involves ensuring high standards of credit quality, portfolio integrity, and regulatory compliance while supporting business growth through prudent credit decisions.

Job Description

Credit Risk Management (60-70%)

Outputs:

Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit applications. Maintenance of these standards both personally and as part of the Corporate Credit Team.
Sole lending discretion (depending on personal experience/accreditation).
Exercise judgement and discretion in the evaluation and approval/decline of higher risk classification credit proposals
Provide feeds into business and credit policy development, where appropriate.
Provide feeds into credit process development, where appropriate
Implementation and on-going delivery of business and credit policies and processes
Responsibility for personal adherence to governance, compliance, and lending portfolio controls.  Ensuring own conformance to policy and procedures within the Corporate Credit Function, including proactive management of agreed responsibilities for Data Integrity
Maintain interactive relationship with Conformance Team
Advise on risk reward and challenge pricing where appropriate.

Business Risk Partnership (20-30%)

Outputs:

Deliver service in line with agreed business needs
Work in partnership with country colleagues and proactively anticipate, respond to, and seek to exceed the expectations of customers
Work with country colleagues, providing post application based coaching and discussion where appropriate to ensure effective development and delivery of bespoke Risk solutions for customers
Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions and development of people
Contribute towards the Team operating within cost budgets making recommendations for ‘working smarter’.

Staff Management (5%)

Outputs:

Supporting the team leaders in delivering effective performance development for individuals within the team.
Driving proactive application of Absa Behaviours both personally and throughout the team and coach and support colleagues within the Team.
Managing relationships with all key stakeholders to ensure that the larger Absa team is pulling together.

Education

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