Credit Portfolio Manager

Absa Bank Limited (Absa) is a wholly owned subsidiary of Barclays Africa Group Limited. Absa offers personal and business banking, credit cards, corporate and investment banking, wealth and investment management as well as bancassurance.

Credit Portfolio Manager

Job Description

Key accountabilities/Deliverables/Outcomes

AccountabilityCredit Risk Management – 40%

• In collaboration with the business counterparts, develop, implement and maintain credit risk strategies

• Ensure the highest standards of credit quality through the sanctioning, sampling and application of best practice to credit proposals, and maintenance of these standards throughout the Credit Teams.

• Review and Implementation of credit policy and processes.  Feed into business and credit policy development.

• Ensure adherence to Lending discretions with appropriate delegation to the Retail Credit and Credit Operations Team.

• Exercise personal judgment and discretion in the evaluation and approval/decline of credit proposals.

• Responsibility for personal & team adherence to governance, compliance and lending portfolio controls. Ensuring audit outcomes are satisfactory backed by conformance to policy and procedures including proactive management of agreed responsibilities for Data Integrity.

• Maintain interactive relationship with relevant ARO/Group Risk/Business/Operations/Conformance Teams.

• Challenge pricing and profitability models in order to maximize value. Ultimate sign off at customer level remains with Business.

• Design, implement and maintain generic strategies for appropriate remedial action on poorly performing accounts in the portfolio

AccountabilityBusiness Risk Partnership & Stakeholder Management – 40%