Retail Credit Underwriter Jobs in Absa Group At Dar es Salaam




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 _

? To undertake a credit risk assessment of all non -scored personal lending
requests. The role holder will be require to apply the canons of good lending
to each proposition and to make recommendations / modifications to the
proposal so the request constitutes an acceptable risk to the Bank.

_Job Description_

_Key responsibilities and approximate time split:_

_RISK ASSESSMENT :90%_

-->Initial check of all applications to ensure that they comply with policy guidelines.
-->Maintain a diary system to ensure that conditions of sanction are complied with and reviews are done in a timely manner.
-->Analyse customer financial statements and proposition, making recommendations / modifications to the proposal so the request constitutes an acceptable risk to the Bank.
-->Monitor workflow.
-->Generate limit sheets
-->Monitor clearance of excesses
-->Contact customers where clarification on the proposal is required. This may take the form of written correspondence or telephone contactpreferably written conrespondence.
-->Compilation of various returns, as required, through the assimilation of information available within the RRU.
-->General filing
-->Adhere to service level agreements.

_CONTROL_

Ensure that all activities and duties are carried out in full compliance with
regulatory requirements, Enterprise Wide Risk Management Framework and
internal Absa Bank Policies and Standards. Understand and manage risks and
risk events incidents relevant to the role.

_Personal Attributes:_

-->Meeting customer needs.
-->Personal results.
-->Managing relationships.
-->Communication.
-->Personal Organisation.
-->Information gathering.
-->Thoroughness.
-->Initiative.

_Skills required to undertake the role_ :

-->Communication skills.
-->Good interpersonal skills.
-->Numeracy skills.
-->Team worker.
-->Analytical skills.

_Knowledge of the Bank’s products, services and policies and/or other
specialist knowledge required to undertake the role:_

-->Basic knowledge of the bank’s customer service standards.
-->Good knowledge of the Personal and Business Sector credit policy.
-->A good understanding of the bank’s lending policies, principles and procedures.
-->A good knowledge of the bank’s lending criteria in the Business and Personal sectors and the products and services relating to them.
-->A general knowledge of the International Credit manual, BMIS User manual, Absa loan/Personal Overdraft User manual and Guide to management of risk.

_Other requirements specific to the role:_

N/A

Training likely to assist effectiveness in the role and may have been
completed prior to undertaking this role:

-->Principles of lending.
-->Basic Risk Management techniques.

Additional details of exceptional aspects of the demands of the role:

N/A

_EXTENSION FOR EVALUATION PURPOSES_

-->_ Experience: _

-At least 2 yrs experience in a branch environment particularly Advances/Lending.

Mental Demands / Judgment and Initiative:

-->Assessment of loan applications in line with Personal Sector credit policy.

_ Communications: _

_Percentage of communications demands Both spoken and written._

_ _ : Staff in own area 60 %.

: Staff outside own area 20%.

: Internal Customers & External Customers 20%.

: Other 0 %.

_Qualifications _

Business Improvement Orientation Meets some of the requirements and would
need further development, Digital familiarity Meets all of the
requirements, Enabling team success Meets some of the requirements and would
need further development, Experience in a similar environment, Further
Education and Training Certificate FETC – Business, Commerce and Management
Studies, Openness to change Meets some of the requirements and would need
further development, Operational administration Meets some of the
requirements and would need further development, Product and/or Service
Knowledge Meets some of the requirements and would need further development,
Quality orientation Meets some of the requirements and would need further
development



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URL:: Link to Apply

[ **Submit your CV and Application on Company Website : Click Here**
]https://absa.wd3.myworkdayjobs.com/en-US/ABSAcareersite/job/Absa-House---
ABT/Retail-Credit-Underwriter_R-15909083-1

**Closing Date** : 26 July, 2020



Retail Credit Underwriter Jobs in Absa Group At Dar es Salaam


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