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With over 100 years of rich heritage, Absa Group is proudly positioned as a leading African bank with regional and international expertise. A career with Absa offers the opportunity to be part of an exciting growth journey—shaping the future of banking while delivering meaningful impact across the continent.

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Job Title: Corporate Credit Officer

Department: Corporate Banking
Reporting Line: Relationship Manager / Credit Management Team

Job Summary

The role holder is a member of the Corporate Banking team responsible for originating, structuring, and monitoring credit solutions for corporate clients, ensuring sound risk management, regulatory compliance, and high-quality portfolio performance.

Key Roles and Responsibilities

1. Credit Origination

Assess and analyse credit requests to develop appropriate financial solutions for corporate customers.
Engage clients to gather deal requirements, financial statements, and relevant documentation for due diligence.
Work closely with Relationship Managers (RMs) and product partners to structure suitable credit facilities.
Prepare comprehensive credit applications and submissions for approval by Sanctioners.
Coordinate compliance pre-clearances and ensure all regulatory and internal requirements are met.
Support documentation execution and drawdown of approved facilities.
Analyse historical and projected financials to identify key risks and covenant compliance.
Act as a joint credit contact point between Relationship Managers and Credit Teams.
Attend customer meetings to resolve or discuss credit-related matters.
Ensure strict adherence to internal credit policies and regulatory guidelines.
Liaise with Credit Teams for limit approvals and mandate alignment.
Seek approval for account excesses when required.

2. Portfolio Monitoring

Monitor portfolio quality by tracking past dues, excesses, and compliance with sanction conditions.
Ensure timely submission of Early Warning (EW), RRCC, and excess reports.
Monitor risk triggers, covenants, and credit conditions and escalate concerns appropriately.
Collect and analyse customer financial information on an ongoing basis.
Ensure 100% KYC compliance for all borrowing clients.
Conduct research and provide technical input on proposed securities.
Proactively identify early warning accounts to prevent deterioration into recovery.
Liaise with Credit Teams to ensure timely resolution of credit queries.
Participate in Relationship Team meetings and contribute improvement ideas.
Conduct stress testing and prepare industry studies where required.
Prepare credit opinion reports and maintain audit-ready credit records at all times.

3. Risk and Control Objectives

Apply Absa’s risk frameworks and promote a strong risk culture.
Understand end-to-end processes, associated risks, and control requirements.
Adhere strictly to all Absa policies, procedures, and risk standards.
Report risk events and incidents through approved channels and support root-cause analysis.
Proactively identify control weaknesses and recommend improvements.
Maintain vigilance against money laundering risks and support AML efforts through KYC, transaction monitoring, and reporting.
Ensure completion of all mandatory training within required timelines.
Escalate policy deviations to Unit Head, Head of Credit, or Operational Risk Controls as required.

4. Regulatory and Business Conduct

Demonstrate exemplary conduct aligned with Absa’s Values and Code of Conduct.
Take personal accountability for ethical, regulatory, and compliance standards.
Identify, escalate, mitigate, and resolve conduct and compliance risks collaboratively.

Technical Skills and Competencies

Personal Attributes

Customer focus
Relationship management
Strong communication and listening skills
Analytical thinking and sound judgement
Initiative and self-confidence
Thoroughness and attention to detail
Ability to work collaboratively within teams

Knowledge, Expertise, and Experience

Skills Required

Proficient computer and keyboard skills
Competent use of internal banking systems

Knowledge Requirements

Corporate banking products and services, including pricing and features
Internal banking policies, procedures, and service standards
Roles within the Relationship Team and wider Absa Group
Awareness of banking legislation and regulatory requirements
Ability to act as a subject matter expert in selected credit or product areas

Qualifications and Training

Education

Bachelor’s Degree or Advanced Diploma in Business, Commerce, or Management Studies (Required)

Professional Qualifications (Advantageous)

A.C.I.B. or other relevant professional banking qualifications

Beneficial Training

Financial analysis and lending skills
Technical securities
ICA familiarity
Business development and selling skills

Absa Values

All Absa colleagues are expected to live the Group’s values:

Trust
Resourcefulness
Inclusivity
Courage
Stewardship

How to Apply:

To submit your application, please follow the link provided below.

CLICK HERE TO APPLY

To apply for this job please visit absa.wd3.myworkdayjobs.com.

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