Team Manger Credit Lending
Barclays Africa Group Limited
Pretoria,ZA
5d ago

Job Purpose

To implement the operational plans forRetail Credit Sanctioning throughmonitoring and ensuring that quality risk assessments are performed by the reporting staff within their own mandates and / or administrative tasks of high standard areperformed.

To develop, coach and manage the activities of staff to ensure that performance objectives aremet.

To manage effective resource management by means of Active CapacityManagement (ACM) and continuously initiate process improvement and optimization.

Accountability : Leadership & People Management Outputs to deliver this accountability :

  • Coach, Mentor, develop and retain the right talent as required by a High Performance
  • Organisation

  • Tomanage the Performance Development (PD) process for every team member according to the Absa PD Management Standards and prescribed process and provide coaching where required.
  • Do quality reviews of the team's performance on a regular basis
  • Ensure that monthly feedback is provided to staff on their achievement for productivity, quality assessments, targets and general behavioral observations and address poor performance appropriately.
  • Initiate multiskilling opportunities for talented individuals.
  • Agree and execute trainingand development plans forlow performing teammembers.
  • Coaching and training for all team members in terms of individual needs
  • Identify trainingneeds within the team and co-ordinate appropriate training interventions with the Regional Manager.
  • Ensure thatsuccession plans are in place and develop identifiedsuccessors.
  • Support the Regional Manager in creating aclimateconducive for sustainable employee engagement, according to feedback received from theEmployee Opinion Survey (EOS) and from the EOS Champions.
  • Demonstrate role model leadership behavior in all circumstances.
  • Develop and maintain relationships with other Specialised Business Units (SBUs).
  • Propose and implement new plans and ways of working to improve efficiency.
  • Support of Corporate Social Investment (CSI) initiatives.
  • Promote apositive, energising, optimistic and fun environment for staff to work in.
  • Optimise operational efficiencies and effectiveness within the platform.
  • Display and take ownership within the team and live the Absa values walk the talk
  • Have the ability to have tough conversations with staff when there the need arises.
  • Accountability : Quality, Risk Assessment andAdministrative Operations

    Outputs to deliver thisaccountability :

  • Implement the business unit's strategy and action plans as communicatedbythe National Manager and Regional Manager.
  • Manage the daily, weekly and monthly productivity of the team on ACM and amend the plan accordingto actual performance and resource availability.
  • Do quality assessmentsfor the team and provide corrective actions where necessary.
  • Manage the risks identified and captured on the Risk and Control Assessment (RCAs) and take corrective actions where required.
  • Contribute to reducing impairments by implementing the monthly controls to manage direct reports’ activities for early risk mitigation.
  • Guide the team in terms of a deal maker culture during sanctioning processes and ensure that all possible options are considered.
  • Ensure the team understand theretention strategy of the bank and explore all avenues to rehabilitate HighRisk customers.
  • Ensure that Administrative staff isaware of the importance of quality execution to support a seamless customerexperience.
  • Ensure aquality Business Continuity Management Plan is in place andthat the team understand their role in it.
  • Continuously identify and monitor trends and implement remediate actions where necessary as well as sharing the information with the related Retail Stakeholders.
  • Act as akeyagent for the implementationand execution of new policies, procedures, processes andsystems.
  • Tocomply with the Record Management Plan andensure that documents are saved accordingly on the Share Drive.
  • Maintain a superior retail credit sanctioning platform to facilitate and standardise consistent quality practices to support the risk appetite asdetermined by Credit Risk.
  • Suggest improvements to existing processandprocedure inefficiencies to the appropriate role players.
  • Submit monthly / daily reports to appropriaterole players in connection with the functional areas performance.
  • Manage the quality of work done in thedepartment and ensure that the necessary controls are in place to ensure that acceptablerisk management practices / activities are maintained.
  • Provide input with regards to strategicdiscussions when requested by Regional
  • Manager / National Manager / CreditRisk.
  • Manage operational costs (Telephone, overtime,etc.) within the agreed budget as communicated by Regional Manager.
  • Management of agreed targets in termsof Service Level Agreements, pending rates, conversion rates, etc., asdetermined from time to time and set out in the PD objectives.
  • Verify that high risk reviews are managedand done timeously and 3 months in advance.
  • Achieve a 90% accuracy level on the ActiveCapacity Management (ACM) planning.
  • Ensure that the required productivity andutilisation levels are achieved in the team.
  • Measure the quality of weekly, monthlyand annual planning against the actual results.
  • Accountability : Relationship and Stakeholder Management

    Outputs to deliver thisaccountability :

  • Support the Regional Manager in developingand maintaining relations within own area of responsibility and with Stakeholders.
  • Effectively manage and maintain customerrelationships in line with business quality standards.
  • Provide Retail Stakeholders with the relevantcredit support to ensure that customer focus and relationships are maintained
  • Support and give input to the RegionalManager for Service Level Agreement (SLA) meetings and provide inputs on updatesof SLAs to appropriate role-players.
  • Balance the needs of our customers throughsolutioning with the bank's risk appetite to achieve the best possible outcome forboth parties.
  • Accountability : Compliance and Risk

    Outputs to deliver thisaccountability :

  • Adhere to governance, regulatory and legislativerequirements when doing quality checks.
  • Ensure remediation of deviations from policiesand procedures, as identified through audit reviews.
  • Diligently adhere to all credit sanctioningpolicies and processes; and appropriate governance of decisions that fall outsidethe policy framework.
  • Ensure the adherence of the service levelagreements with strategic partners.
  • Ensure the effective allocation,review and cancellation of credit mandates allocated to individuals based on knowledge,skills and experience.
  • Adherence and administration around theB030 process.
  • Support the Regional Manager to ensurecompliance and adherence to policies, processes, procedures and guidelines throughenforcement of same to direct reports.
  • Management of agreed targets and remediationactions to improve productivity.
  • Alignment of assessment practices acrossproducts within Retail CreditSanctioning.
  • Give constructive feedback to CreditRisk and Business with regards to policy enhancements.
  • Pro-active implementation of legislativechanges.
  • Accountability : Personal Development Outputs to deliver this accountability :

  • Ensure that an agreed Performance Development(PD) plan is in place to enhance own performance,development and personal growth.
  • Complete all compulsory training and attestations.
  • Take responsibility of the performanceobjectives as agreed in the PD document.
  • Display and embed the Absa values in allinteractions with all stakeholders.
  • Be part of identifying challenges, enhancementsand work together with the Regional Manager and the team to put appropriate remediatingactions in place.
  • Stay abreast of market- and economic trendsand apply it in the working environment.
  • MinimumRequirements :

  • Required : NQF Level 7 - B Degree in Credit or Financialfield
  • Preferred : Appropriate Honors Degree
  • 5 years Credit experience with exposureto sanctioning
  • 2 years People management experience
  • Apply
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