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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.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

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

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Absa Group