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Nov 03, 2017

Sector Head (ABBC) - KZN

  • Barclays Africa Group Limited
  • KwaZulu-Natal, South Africa
Full time Admin-Clerical Banking

Job Description

Manage, oversee and monitor the activities and performance of regional and high value credit teams and team leaders, by assisting, supporting, developing and coaching the credit teams to ensure high level of quality risk assessments, asset growth, adherence to service levels, performance objectives and client solutioning are met. To identify and undertake projects that will streamline, automate and improve the ABF sanctioning and solutioning of customers
 
Key Accountabilities:
 
Accountability: Strategic Management (Outputs to deliver this accountability)

    Translate the Business Bank Credit strategy and provide clear direction to reporting credit teams within area of responsibility with regards to Business Banking Credit strategy, KPI’s and key focus areas to ensure their understanding and buy-in.
    Provide the Credit Head with management information, input on credit and business strategy and change initiatives with respect to training, portfolio management, people management, objectives, credit policies, procedures, processes and products.
    Maintain a superior credit evaluation platform to facilitate standardised, consistent and high quality lending practises to support Absa risk appetite and tolerance with-in determined parameters.
    Manage the quality of credit assessments done by the teams, by ensuring that the necessary credit controls and acceptable risk management practises are maintained and turnaround times are adhered to.
    Promote and maintain ongoing and effective relationships with strategic role players and key stakeholders.
    Review overall performance of the unit by continuously identifying, monitoring and implementing remediate actions where necessary as well as sharing the information with the teams.

 
 
Accountability: Business Management

    Plan and manage resource requirements for the portfolio r respective teams (covering aspects such as: people, CAPEX, Capital costs and requirements and systems, etc.).
    Agree on objectives and goals and take responsibility and accountability for the overall achievements of performance targets and objectives in the portfolio; typical measurement criteria to include PRC and Credit KPI’s.
    Act as a second escalation point for business units and a key agent for the execution of new policies, procedure, processes and systems.
    Ensure the timely submission of reports on performance, objectives, targets and other standardized reporting to the appropriate role players as required and requested by Credit Head.
    Participate in meetings and committees with other business units and discussions with Credit Head to provide specialist credit input, direction and leadership regarding any changes in policies, processes, procedures and other strategic issues.
    Manage the departmental budget including sign-off of invoices and quotes within mandate to ensure unit operate efficiently within the agreed budget. Escalate out of budget items to Credit Head with recommendation for approval.
    Actively participate, monitor and control the management of distressed debt to ensure maximising of recoveries and minimising of losses, provisions and impairments on non-performing assets by ensuring best possible credit solutions and proactive actions.
    Work with other line managers and Credit Head to set clear directions on strategic plans and key focus areas to ensure credit teams understanding and buy-in. Sector Head role provide a clear leadership and management supporting function to Credit Heads and act as a key interface between the Credit and Risk function and internal as well as external stakeholders.

 
 
Accountability: Operational Management

    Provide specialist credit assessment of applications and excess reports exceeding the lending mandates of Senior Credit Managers and Team Leaders based on policy guidelines, credit standard and procedures and any applicable Service Level Agreements.
    Provide specialist credit recommendations to Credit Head with regards to credit applications, excess reports exceeding personal mandate and appeal credit applications based on policy guidelines, credit standard and procedures and any applicable Service Level Agreements.
    Monitor with assistance of the management team the effectiveness of credit teams and the robust controls to ensure continuous improvement of these.
    Assist credit teams and business units with the structuring and solutioning of complex credit applications.
    Direct client interaction from time to time with the Relationship Executives and Senior Credit Managers when required to assist, support and provide the business unit with specialist credit input and best possible credit solutions.
    Provide support to the senior management of Business Banking Credit by means of being the active interface between the operational execution level and senior credit management.
    Support and assist the management team with building and maintaining excellent relations with business units and other role players.
    Provide input and recommendation to Credit Head and HRBP regarding all critical people management aspects relating to their respective teams. Participate in the development boards annual performance meetings for direct reports.
    Ensure that performance and other standardized reports are maintained and submitted to appropriate role players as requested and required by Credit Head.

 
 
Accountability: Compliance and Risk Management

    Maintain and promote a sound and robust control environment by ensuring that all credit teams under their control adhere to applicable credit policies, standards and procedures to minimize risk and audit failures. Pro-actively escalate concerns and identified risks to Credit Heads.
    Assist Credit Heads by ensuring the compliance to all SOX and other compliance related controls.
    Ensure adherence to governance, regulatory and legislative requirements.
    With the assistance of the team leaders ensure the effective application of and control over credit lending mandates allocated to individuals based on their knowledge, skills and experience.

 
 
Accountability : People Management

    Manage and encourage credit teams to performance in order to meet set / agreed objectives and deliver outstanding performance on an ongoing basis.
    Actively participate and maintain a performance development and talent management process. Coach, mentor, develop and train direct reports through effective Performance Development Plans to improve productivity and ensure compliance to credit policies and procedures.
    Drive formal Performance Development and informal coaching in the unit. Guide and assist direct reports to conduct meaningful performance development discussions with their direct reports and ensure that they conduct the process effectively.
    Identify and analyse the training and development needs of the credit teams to ensure identified training are budgeted and executed.
    Contribute to the development and ongoing improvement of the credit teams under their control to ensure achievement of business objectives.
    People management for the area with a focus on talent management, development, resourcing and retention of top talent. Communicate the strategy to team leaders and ensure compliance.
    Establish and maintain a succession plan for key risk and high value roles in the business unit. Determine, review and analyze the training and development needs of the management team and ensure they do the same for their direct reports.
    Monitor compliance training undertaken by team members and ensure that they complete the required training within prescribed timelines.
    With the support of HR Business Partner, recruit, interview, appoint and deploy staff within area of responsibility.
    Support the Credit Head in creating a climate for sustainable employee engagement through the Employee Opinion Survey (EOS).
    Approve leave and other people management requests via ESS for direct reports.

 
 
Education and Experience Required

    B-degree in (Accounting / Economics / Legal / Business Management) (NQF level no. 6)
    10 years of Credit Sanctioning experience at a senior level
    Sound technical lending and analytical skills
    Proven operational management capabilities
    Leadership and people management experience, preferably at senior level
    Commercial awareness and an ability to pro-actively and constructively engage stakeholders
    High degree of emotional intelligence
    Ability to function independently, across functional levels, at various levels
    Previous credit lending mandate of at least R20 million

 
 
Knowledge and Skills

    Expert knowledge of credit risk management and monitoring
    Expert knowledge of credit analysis, procedures and controls
    Good knowledge of operational risk management processes, tools and practices
    Detailed knowledge of the systems used within ABSA Business Bank Credit
    Ability to negotiate and communicate effectively with a range of stakeholders
    Excellent People Management capabilities

 
 
Competencies:

    Leading and supervising
    Presenting and communicating information
    Planning and organizing
    Working with people
    Formulating strategies and concepts
    Applying expertise and technology
    Entrepreneurial and commercial awareness and thinking
    Decisive and initiating action
    People management decisions.
    Ability to work against tight deadlines and must be able to travel and communicate at all levels.
    Approve credit lending applications within personal lending discretions, which can be as much as R100 million.


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