Specialist - Credit Analyst Commercial Premium

The purpose of the role is 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.

• 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.
• 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.

• 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)