Risk Control Manager
Absa Group.com
Office
Absa Bank Head Office (GH), Ghana
Full Time
Empowering Africa’S Tomorrow, Together…One Story At A Time.
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.
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Job Summary
A Senior Member of the RCU team, responsible for robust execution and management of post sanctioning fulfillment activities namely Facility Letters generation, Drawdown and Limits management, Excess Management and Conditions & Covenant Management.The role is also responsible for ensuring accurate, speedy, and efficient delivery of service standards.
Job Description
Accountability: Monitoring and Control: (60%)
- Support Business growth (Revenue and Market share) by ensuring Facility Letters generation, Limits set-up and disbursement are processed within agreed Credit & Business Operating Level Agreements and in adherence to localized credit policies/standards and procedural guidelines.
- Ensure that appropriate legal opinions, credit waivers/deferral approvals are held for all cases of document deficient.
- Act as a source of technical excellence and point of reference in relation to risk matters, specifically Post sanction fulfilment.
- Effectively manage facility limits to ensure that published limits are in line with the latest sanction and in accordance with the operational processes and procedures.
- Ensure robust management of Post sanction monitoring and control activities (benchmark repricing, limits management, excess management, Cash margins, Early drawdown/Safe to Lend draws, Committed/Uncommitted facilities and sanction conditions.
- Provide oversight review of excess daily refers list to confirm that appropriate action has been undertaken by the Relationship/Markets team on reportable and non-reportable excesses.
- Manage the covenants and conditions data with regards to its integrity (capturing), notification, testing, flagging overdue and escalation of and failed / breached covenants.
- Work closely with internal legal team with regards to non-standard commercial terms /documentation and changes thereof.
- Act as a point of contact for both internal and external audits. Responsible for the rectification and documentation of any recommendations arising out of Audit/Assurance exception findings within Corporate Credit/RCU teams.
- Ensure robust and error free Management Information (MI) as produced by Risk Control Unit for use in Risk/Business Governance forums and Regulatory reporting.
- Ensure adherence to segregation of duties (maker checker concept) across Risk Control Unit processes without deviation.
- Periodically test Risk Control Unit Business Continuity plan (BCM).
- Support Head of Risk Control Unit, Policy, Governance and Change in conducting User Acceptance Tests for new projects rollouts.
- Strictly adhere to Credit/RCU processes and procedures to ensure overall impairment and Loan Loss Rate are managed within agreed thresholds.
- Enhance control environment through monthly participation in Portfolio, EWL, RRCC meetings to discuss Credit/RCU related matters including but not limited to Overdue facility letters, Valuation reports, Safe To Lend/Early Drawdowns, Breaches in sanction conditions, Security maintenance items, and Account excesses.
- Ensure that there are no regulatory or conduct breaches within Risk Control Unit.
- Any other responsibility that may be assigned by the Head of RCU from time to time.
Accountability: Efficiency (15%)
- Champion embedment of change management initiatives in support of process improvements, cost reductions and efficiency.
- Participate in review of Wholesale credit procedure manuals/maps and CPAs with the aim of enabling business, improving existing processes and controls.
Accountability: Business Risk Partnership & Teamwork (25%)
- Ensure consistent quality of service to Business stakeholders.
- Support the Head of Risk Control Unit, Policy, Governance and Change in monitoring service and delivery in line with business needs.
- Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers.
- Attend portfolio meetings with the Credit Manager’s and Relationship Manager’s if problem related issues are to be discussed / need to be resolved.
- Work to minimize customer complaints and take corrective action wherever required to prevent future recurrence.
- Ensure knowledge on RCU guidelines and best practice sharing across the wholesale credit and Business stakeholders.
- Participate in Business team activities, launches and social occasions.
- To participate and contribute to projects undertaking by the by the Risk Control Unit
Education & Technical Experience Required:
- First Degree in economics, finance or accounting
- A minimum of 3 years working experience
- Knowledge of commercial banking credit risk operations, credit analysis and controls.
- Knowledge of operational risk and rigor processes, tools and practices.
- Knowledge of Wholesale Credit Risk policies and procedures.
- Knowledge of local regulations guidelines relating to lending.
- Strong Knowledge in Microsoft Excel
Competencies:
- Interpersonal and influencing skills
- Analytical and numerate skills
- Business product and process awareness
- Communication, Presentation & Negotiation skills
· Results-Driven
· Team Player
- Strong excel skills.
- Thoroughness/Pays attention to detail.
Education
National Diplomas and Advanced Certificates: Business, Commerce and Management Studies (Required)Risk Control Manager
Office
Absa Bank Head Office (GH), Ghana
Full Time
October 2, 2025