Job Summary: To analyse the risks associated with new lending, structuring and derivative proposals with the intention of facilitating new business. Job Purpose: A credit professional responsible for credit risk structuring of transactions and sanctioning covering multiple industry sectors. The role holder will have specific responsibilities for a range of SME customers. Support the Business Banking SME Credit Team in providing credit input to Absa Bank Kenya Plc, delivering a World-Class Credit service and contributing towards achievement of the team’s risk and business objectives. Ensuring the optimal quality of the credit portfolio by application of best practice in decision-making, to a maximum personal lending discretion of US$ 1.2 million. Key Accountabilities: Credit Risk Management – 60-70% - Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit applications. Maintenance of these standards both personally and as part of the Wholesale Credit Team. - Sole lending discretion, DG linked and set depending on personal experience/accreditation. - Exercise judgement and discretion in the evaluation and approval/decline of higher risk classification credit proposals. - Provide feeds into business and credit policy development, where appropriate. - Provide feeds into credit process development, where appropriate. - Implementation and ongoing delivery of business and credit policies and processes. - Responsibility for personal adherence to governance, compliance and lending portfolio controls. Ensuring own conformance to policy and procedures within the Wholesale Credit Function, including proactive management of agreed responsibilities for Data Integrity. - Maintain interactive relationship with other risk functions and Conformance Team. - Advise on risk reward and challenge pricing where appropriate. Business Risk Partnership -20-30% - Deliver service in line with agreed business needs. - Working in partnership with Country colleagues and proactively anticipating, respond to and seek to exceed the expectations of customers. - Work with Country colleagues, providing post application-based coaching and discussion, where appropriate to ensure effective development and delivery of bespoke Risk solutions for customers. - Proactively contributes to embedding agreed change management initiatives in support of process and quality improvements, cost reductions and development of people. - Contribute towards the Team operating within cost budgets making recommendations for ‘working smarter’. Staff Management -10-20% - Support the Team Leaders in delivering effective performance development for individuals within the team. - Drive proactive application of Absa Bank Kenya Plc Behavior’s both personally and throughout the team and coach and support colleagues within the Team.