Credit Analyst - Global Corporates (China Market)

Absa Group; Johannesburg; On-site; ZAR 600 000 - 900 000; Full time

Job summary

A leading South African bank is seeking a Credit Risk Manager to oversee a portfolio within the Global Corporates Credit Risk team. This role includes conducting credit assessments, preparing applications, and engaging with business partners involved in risk management. The ideal candidate is required to be fluent in both Mandarin and English, and should have relevant knowledge of the China market. It offers a chance to contribute to effective credit risk governance and enhance the decision-making process.

Qualifications

• Fluent in both English and Mandarin (written and spoken).
• Relevant knowledge of the China Market.

Responsibilities

• Manage a portfolio of clients and conduct credit assessments.
• Prepare credit applications and present recommendations.
• Conduct comprehensive annual reviews and provide risk analysis.

Skills

Fluent in Mandarin

Relationship management

Risk analysis

Financial analysis

Education

Bachelor’s Degrees in Business, Commerce and Management Studies

Job description

Empowering Africa’s tomorrow, together…one story at a time. 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.

Job Summary

Manage a portfolio of clients within the Global Corporates Credit Risk team covering the Global corporate entities with a main focus on China corridor, Telecommunications sectors as well as commodity trading transactions.

• Responsibility for the ongoing management of an existing portfolio and undertaking the credit assessment of new transactions.
• This will include the preparation of credit applications and the presentation of recommendations to the relevant risk committees.
• Completion of comprehensive annual reviews.
• Accountability for the full credit lifecycle of the portfolio including granting of facilities, implementation, systems, post‑implementation monitoring.
• Ongoing management of the portfolio through portfolio reviews and management information.
• Independently building and managing relationships with key relevant business partners to ensure delivery under the organization's strategy.

Candidate MUST be fluent in both English and Mandarin.

Job Description

Accountability: Credit Risk Management

• To take ownership and control of credit risk related work on a defined portfolio of Global Corporates Credit Risk team clients against which Absa Group Ltd has credit facilities.
• The candidate is to carry out comprehensive and quality credit risk functions. Functions cut across the credit lifecycle (i.e. granting, implementing, managing, restructuring and impairment) to create shared growth. This is achieved through responsible risk management enhancing the decision‑making process involved in the extension and management of credit risk within the boundaries of internal policies and external regulations.
• Representing Credit to Senior Management in various committees, presenting analysis of the aggregate portfolio risk and composition.
• Presentation of portfolio risk analysis to the relevant risk committees.
• Assist in developing and delivering relevant Monthly Risk MI for Senior Management, including analysis and commentary, ensuring risk issues on the defined portfolio are well understood and presented transparently.
• Create presentations and technical documents designed to articulate key risks to various forums and credit committees.
• Independently build and manage relationships with key relevant business partners.
• Support the management in the delivery of a sound governance process around the Credit MI delivered by the team.
• Development of analytical tools to better understand and communicate risk concentrations and drivers of risk and capital.
• Facilitate the end‑to‑end lending or restructuring process, assuring responsibility for service and quality.
• Facilitate / and or make the credit sanctioning decisions ensuring responsible risk decisions are made. Credit functions cut across the credit lifecycle, including risk grading, credit analysis, sanctioning, limit management, restructuring, and portfolio, among others.
• Maintain and manage the relevant portfolio within the defined appetite levels.
• Review and enhancement of systems and processes with a view towards efficiency and automation whilst managing the current operational environment.

Accountability: Data and System Management

• Compile portfolio reviews.
• To produce relevant management information and manage exposures including the accurate maintenance on relevant risk systems.
• Monitor adherence to policies and SLAs on a continuous basis and identify any deviations and possible concerns.
• Understand and manage the required inputs into the credit rating models ensuring validity and accuracy.
• Monitor the client business performance and identify relevant risks to ensure early identification of change in the client’s business or operating environment and watchlist accordingly.
• Proactively utilize the systems and tools available for Credit Risk and partake in the ongoing development and feedback of these systems to deliver an enhanced automated credit function.
• Manage all administrative and operational aspects of the relevant portfolio of clients ensuring completeness, accuracy and validity of data.

Accountability: Governance

• Ensure that the Bank’s credit policies and philosophy are complied with.
• Ensure understanding and adherence to relevant legal requirements relevant to the Credit Lifecycle and specific industry.
• Complete the necessary training requirements and Compliance processes in a timely manner.

Accountability: People Management

• Support in creating a high‑performance culture of individuals who are engaged.
• Portraying the right values and behaviors are portrayed in the achievement of the Risk Strategy.
• Contribute fully, including suggestions for ways of improving risk delivery and management through ongoing projects. Develop relationships with colleagues and create a sense of engagement.
• Communicate concerns or challenges faced in a constructive and positive manner.
• Develop and maintain contacts with Specialists in other areas of the Group.
• Embrace and adapt to the diversity and change within the current Banking environment.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to the Credit Risk Strategy.

Education and Experience Required

• Bachelor’s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
• Fluent in both Mandarin and English (written and spoken)
• Relevant knowledge of China Market

Education

Bachelor’s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised.