1.     Management of Tracing Activities

•    Responsible for the management of internal tracing instructions such as locating vehicles and individuals, BIPA searches, Natis searches, Deeds searches, etc. Detailed written feedback to be submitted to the requester.
•    Responsible for reports to manage the internal tracing process.
•    Conduct thorough investigations to locate clients who are unresponsive or difficult to find, using advanced tracing techniques and tools.

 

2.     Management of Repossession Process

•    Ensure effective and efficient execution of repossession of assets (articles and vehicles).
•    Plan and execute the safe and legal recovery of located vehicles and other assets, ensuring minimal disruption and maximum efficiency.
•    Effective and efficient management of trips related to the repossession of assets in and around Namibia. 
•    Ensure vehicles are listed on the insurance of the Bank once the vehicle and/or article has been repossessed and removed as per Bank policy.
•    Ensure that there is no unnecessary damage or losses to movable items due to ineffective control over the storage procedure or compliance with storage prescriptions.

 

3.    Inspection

•    Inspection of all vehicles that has been placed in the Bank’s possession through                                  voluntary surrender in terms of the Credit Agreements Act and by court order and arranging valuations.
•    Inspection of all immovable properties within the Khomas region in respect of    insurance in order to ensure that correct insurance is taken out over the property. Ensure that a report is compiled of all inspections.

 

4.    Waiver application

•    Preparation of all necessary documentation required for submission of the waiver -          application with the Ministry of Lands and Resettlement.
•    Attending the Ministry of Lands and Resettlement office to submit application for                            Land Tax assessments and for submission of waiver application and ensuring the process is managed diligently.

 

5.    Preparation for auctions for vehicles (articles)

•    Responsible for the preparation of an auction which includes moving items to the auction premises, obtaining valuations for repossessed items, compiling lists of items cleared for auctions, preparing dealer stock listing (NATIS) and police clearance (POLICE) of vehicles in respect of registration of vehicles. 
•    Ensure that no items appear for longer than the prescribed periods on the list of repossessed items
•    Ensure to have sufficient number of vehicles for each auction as scheduled. 

 

6.    Management of reports

•    Exercise control over daily, weekly, monthly, yearly and ad-hoc reports, as identified.
•    Responsible for reports to manage the repossession process. Responsible to keep the report update to date with the latest information.
•    Responsible for checking various tracing reports and auction lists.
•    Maintain detailed and accurate records of all tracing and recovery activities, including client interactions, recovery attempts, and asset conditions.
•    Ensure that a management report regarding repossessions, tracing, inspections, waivers and payment received is submitted on a monthly basis as well as information on request, with limited comebacks or requests for additional information.

 

7.    Service
a.    Consulting branches
•    Ensure that Branches are handled in a professional manner and that they are provided with accurate account information as well as details of legal action taken or to be taken. 
•    Responsible for providing effective guidance and advice to address/rectify potential financial losses for the Bank.

 

b.    Client service
•    Ensure that Bank clients are handled in a professional manner and provided with accurate account information and advice to rectify or address account deviations. 
•    Ensure that there are limited valid complaints that have been received from clients. 
•    Responsible for providing a personal service to clients that frequently results in an agreement to minimise losses for the Bank.

 

8.    Compliance and Legal Standards
•    Ensure all tracing and recovery operations comply with relevant laws, regulations, and company policies, including privacy laws and ethical standards.
•    Identify potential legal risks associated with tracing and recovery activities and develop strategies to mitigate them.

 

9.    General
Must be prepared/willing to do any other reasonable and lawful instruction/task and ensure that it is normally carried out on time and correct.

•    Working with People 
•    Adhering to Principles and Values
•    Writing and Reporting 
•    Analysing
•    Persuading and Influencing
•    Planning and Organising 
•    Following Instructions and Procedures
•    Delivering Results and Meeting Customer Expectations
•    Coping with Pressures and Setbacks
•    Adapting and Responding to Change

 

EXPERIENCE/KNOWLEDGE & SKILLS
•    Debt collection experience
•    Knowledge of the system and processing activities
•    Knowledge of the legal collection service and legal processes in the Bank as well as those prescribed by Law
•    Self-confidence and interpersonal skills
•    Computer literate
•    Analytical skills
•    Negotiating skills
•    Calculation skills
•    Product knowledge