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
• A member of the corporate team and 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.
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
- Top graduate calibre with a passion for creating a legacy.
Education
Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)Skills Required
- Bachelor's degree or Advanced Diploma in Business, Commerce, or Management Studies
- Risk assessment, analytical, and numeracy skills developed through successfully completed credit courses
- Awareness of credit programs and information technology skills
- Knowledge of corporate banking and credit management
- Understanding of legal, regulatory, and external business environments
- Interpersonal, communication, presentation, and negotiation skills
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.
