Senior Credit Analyst at Absa Bank in Sandton | Apply Now!

📍 Location: Sandton, Gauteng

🏢 Company: Absa Bank Limited

💼 Type: Full-time | Hybrid

🧾 Job ID: R-15982052

⏳ Closing Date: 12 January 2026

About Absa Bank

• Absa is one of Africa’s longest-standing financial institutions with over 100 years of banking heritage.

• The group is recognised for its continental presence, combining local strength and global expertise.

• Absa focuses on empowering Africa through reliable financial services, innovation, and strong ethical governance.

• The organisation fosters a culture rooted in integrity, client-centricity, and purposeful leadership.

Role Overview

• The Senior Credit Analyst – VP plays a pivotal role within the Resources & Project Finance Credit Risk team.

• The position is responsible for managing a high-value client portfolio, providing expert credit risk assessments, and guiding critical risk decisions.

• This function spans the entire credit lifecycle, from facility granting and implementation to monitoring, restructuring and risk reporting.

• The role requires strong analytical capability, commercial judgement, and the ability to present risk insights to senior stakeholders and committees.

Key Responsibilities

• Conduct full-spectrum credit risk analysis for the Resources & Project Finance portfolio.

• Prepare detailed credit applications and recommendations for decision-making committees.

• Oversee granting, implementing, monitoring and restructuring of credit facilities.

• Produce monthly risk reports and management information (MI) with insights and commentary.

• Present aggregate portfolio risk analyses to senior management.

• Maintain accurate exposure and risk data across all relevant systems.

• Monitor covenant adherence, facility conditions and potential deviations.

• Manage due diligence records, terms, conditions, and outstanding securities.

• Identify and escalate risks early based on client performance trends.

• Utilise and support development of credit risk systems, tools and automated processes.

• Manage operational, administrative and compliance aspects of the client portfolio.

• Build and sustain relationships with internal and external business partners.

• Ensure the portfolio remains within defined risk appetite levels.

Governance & Compliance

• Adhere to Absa’s credit risk policies, processes and risk philosophy.

• Maintain compliance with relevant legislation governing the credit lifecycle.

• Complete all required compliance training, updates and controls on time.

Contribution to Culture & Performance

• Promote a high-performance culture aligned with Absa’s Risk Strategy.

• Offer constructive suggestions for improving risk processes and delivery.

• Engage team members, encourage collaboration and uphold Absa’s values.

• Communicate challenges positively and work towards effective solutions.

• Build networks with specialists across the organisation for improved risk alignment.

• Adapt to change and support transformation within the banking landscape.

• Demonstrate commitment to excellence and operational integrity.

Education & Experience

• Bachelor’s degree in Business, Commerce, Economics or a related field (required).

• CA(SA), CFA or relevant postgraduate qualification (advantageous).

• Minimum 5 years’ experience in credit risk, mining, oil & gas, or project finance sectors.

• Experience preparing credit applications, managing complex facilities and presenting to senior risk committees.

Key Competencies

• Strong analytical and financial modelling skills.

• Ability to interpret complex financial, industry and economic data.

• Excellent written and verbal communication skills.

• Sound judgement for decision-making in high-value risk environments.

• Ability to manage high-pressure deadlines and multiple priorities.

• Confidence engaging with senior executives and risk committees.

• Solid understanding of banking regulations, governance and compliance.

CV Tips for This Role

• Emphasise your experience with credit risk assessments, project finance, and complex portfolio management.

• Include strong examples of credit applications you’ve prepared, risk decisions influenced, or portfolio improvements delivered.

• Demonstrate your proficiency with credit risk systems, modelling tools, and financial analysis.

• Highlight your ability to engage executives, risk committees and business partners.

• Showcase achievements in risk reduction, covenant monitoring or early warning identification.

• Use clear bullet points and quantify achievements wherever possible.