Corporate Credit Manager

About Absa Group

As a distinguished financial institution with over a century of experience, Absa Group stands as a proudly African bank, blending local expertise with regional and global insights. Joining our team means becoming part of an inspiring journey aimed at shaping the future and driving sustainable growth across Africa.

Role Overview

We are seeking a Corporate Credit Manager to act as the credit authority supporting Relationship Managers by providing expert credit evaluations for a portfolio of sophisticated clients. This role demands crafting tailored lending solutions based on thorough customer needs assessment and ensuring high-quality credit proposals for sanctioning decisions. You will also diligently oversee account monitoring and maintain the accuracy of credit-related financial data and reports.

Key Responsibilities

• Analyze business and credit risks linked to the Bank’s lending products, crafting prompt and effective credit proposals.
• Serve as a primary credit liaison coordinating with accountants, legal professionals, and other stakeholders to facilitate credit decisions.
• Produce comprehensive credit application documentation with supporting materials for sanctioning authorities.
• Manage and update financial information submitted by customers, ensuring portfolio health by tracking sanction conditions and addressing potential risk indicators.
• Collaborate closely with Relationship Managers to ensure seamless service delivery, engaging in customer discussions to resolve credit issues.
• Support and engage in change management efforts aimed at improving processes, reducing costs, and enhancing quality within the credit function.
• Uphold all activities in strict compliance with regulatory standards, enterprise risk management frameworks, and internal policies.

Competencies and Expertise

• Proven skills in risk evaluation supported by formal credit training and strong numerical analysis capabilities.
• Familiarity with credit management programs and proficiency in relevant IT applications.
• Strong interpersonal, communication, presentation, and negotiation skills.
• Deep understanding of corporate banking operations, including the strategic objectives and frameworks specific to Absa Bank Ghana.
• Comprehensive awareness of the wider banking sector, credit regulations, and the legal environment impacting credit decisions.

Education

A Bachelor’s degree or Advanced Diploma in Business, Commerce, or Management Studies is mandatory.