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.
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Job Summary
The credit analyst role involves carrying out quality credit assessments and analysis on potential and existing clients within the bank´s portfolio.To work within existing credit policies and in-country regulatory requirements to support the structuring of appropriate bankable solutions for the client
This role will involve ensuring that the agreed asset quality of the CIB Credit portfolio is maintained, by ensuring completion of interim reviews, annual reviews and on-going monitoring and control.
Job Description
Risk Management:
- To conduct quality credit risk assessments and reviews
- Based on analysis conducted, support in the structuring of lending solutions for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank's credit lending policies and appetite.
- Respond to sanctioned enquiries and/or attend Credit Committee meetings to present credit applications
- Challenge pricing in order to maximize value. Ultimate sign off at a customer level remains with Business Heads
Governance and controls:
- Ensure that the Bank's credit policies, philosophy and all relevant legislation are fully complied with at all times and that any policy breaches have been suitably addressed and mitigated against.
- Ensure that all covenants are measured and reported during the review or new credit application process.
Data and Systems Management:
- Drive RWA efficiencies through ensuring that the data in terms of Default Grades (DG's), Loss Given Defaults (LGD's), limits and review dates are correctly captured on the Bank's credit systems
Business Enablement:
- Provide solution-driven support to business to facilitate growth initiatives, whilst maintaining a healthy balance between risk and reward.
- Communicate and interact regularly with business stakeholders
Education
Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)Skills Required
- Further Education and Training Certificate (FETC) in Business, Commerce and Management Studies
- Conduct quality credit risk assessments and credit reviews
- Ability to structure lending solutions within bank credit policies and limits
- Experience preparing and presenting credit applications to Credit Committees
- Knowledge of credit governance, covenants monitoring and regulatory compliance
- Experience with credit systems and ensuring accurate capture of Default Grades (DG), Loss Given Defaults (LGD), limits and review dates
- Ability to challenge pricing and balance risk and reward with business stakeholders
Absa Group Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Absa Group and has not been reviewed or approved by Absa Group.
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Healthcare Strength — Medical aid, group life, disability, and funeral cover are described as comprehensive, with features such as terminal‑illness advances and beneficiary grocery benefits. Wellness and assistance offerings support overall financial and personal wellbeing.
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Retirement Support — A pension fund and group retirement arrangements are positioned as core benefits within fixed remuneration. Retirement coverage is embedded alongside other protections as part of standard employment.
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Equity Value & Accessibility — Employee share‑ownership (eKhaya) and equity‑linked awards broaden wealth‑sharing, with dividends or cash‑equivalent participation in some markets. This provides longer‑term value beyond base pay.
Absa Group Insights
What We Do
Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise growth on the African continent and beyond. We’re a truly African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in China, Namibia, Nigeria and the United States, as well as securities entities in the United Kingdom and the United States, along with technology support colleagues in the Czech Republic.
