Credit Officer Acquisition - Absa Bank To conduct and ensure quality credit management principles within a credit officials mandate level, based on the Group Bank Credit Risk Model. To manage customers' accounts by ensuring the normalization and rehabilitation of account management accounts during the early-stage delinquency cycle. The end-to-end process requires collaboration with various Strategic Business Units (SBUs).
The role has a strong Credit and Risk Management focus specializing in the account management process.
- Ensure that the assessment includes a risk, financial and credit worthiness assessment, and feedback to the SBU
- Be effective and efficient throughout the application of the assessment process
- Utilize the system diary functions to effectively manage risk and prioritize the effective work of accounts
- Manage and maintain the existing assigned workflow
- Ensure sufficient knowledge of macro and micro economic conditions and industry trends that are distributed via Customer Value Management (CVM), the Bank in-house and media correspondence
- Adhere to governance, regulatory and legislative requirements during execution of duties
- Adhere to the Bank general and credit specific policies, processes, manuals, circulars, and call scripts
- Utilize feedback from Health and Quality checks to demonstrate continuous improvement in quality and efficiency
- Feedback and process issues to Team Managers and Credit Lending management
- Comply with Service Level Agreements (SLAs) to ensure overall satisfactory service delivery
- Provide our internal customers with excellent support
- Balance the needs of our customers with the Banks risk appetite
- Manage and maintain customer relationships in line with business quality standards
- Acknowledge and resolve complaints at first point of contact
- Demonstrate the willingness and ability to perform to the best level
- Contribute to an environment of mutual support by sharing knowledge with other team members
- Play an active role in personal coaching plans
- Be part of the solution by identifying challenges and working together with the Team Leader to put appropriate actions in place
- Understand and contribute to the unit's reputation, credibility, and viability
Credit Officer - Absa Bank
(2016-04 - 2019-04)
- Manage and maintain the existing assigned workflow
- Ensure quick and quality credit assessments for the cheque products are made for limit increases, decrease in customer limits where appropriate
- Resolve early-stage excess by assessing the customer risk, determining the reason for the excess, and agreeing a solution with the customer
- Leverage a portfolio view of the customer through collaboration with other Credit Lending departments as well as Retail Bank Collections
- Demonstrate good knowledge of Retail products interact with various and branch networks to help make informed decisions
Credit Assessor - Absa Bank
(2007 - 2016-04)
- Conduct an in-depth, specialized and quality credit assessment and risk analysis on potential and existing Absa portfolios, to enhance the decision-making process involved in determining the Bank's appetite to extend credit to these clients Monitor clients' performance for risk indicators.
- Monitor adherence of covenants and conditions and discuss deviations.
- Create and maintain a detailed due diligence record of the client portfolio's, Adhere to ARMS credit requirements.
- Be accountable for overall risk administration process within mandate.
- Manage and communicate the risks associated with outstanding securities, identify problematic or high-risk clients and advise Credit accordingly.
- Request and manage outstanding Financial Documents.
- Explore new, improved, and alternative ways of solutioning client credit requirements.
- Adhere to Bank's credit policies and procedures.
- Manage and drive deal forum process to ensure quality applications are submitted. Issue facility letters to clients after reviews have been compiled and new facilities granted.
- Maintain accurate and up to date credit files and all client related communication.
- Identify cross sell opportunities.
- Act as a contact for the credit related queries and resolve them timeously.
Customer Service Agent - Woolworths
(2006-04 - 2006-12)
