1.    Credit Quality
1.1 Accounts in arrears – number     (not to exceed norm)
1.2 Accounts in arrears – Amount     (Not to exceed norm)
1.3 Bad Debt in relation to total assets (Not to exceed 1%)

 

2.    Credit Aftercare
2.1    Follow up of irregular accounts and responsible to diarize dates and capturing of all notes on the system on a daily base.
2.2    Ensure all reports are attended to,concluded,and submitted on time as per instruction from credit department  and branch timelines(weekly& Monthly reports)
2.3     Submission of reports to Divisional Head on agreed time line.

3.1    Account Administration
Has to ensure that amendments on existing loan accounts are done timeously and correctly regarding:
    Monthly payment adjustments and the follow up with admin department on finalization of requests.
-    Processing client requests/adjustments as per signed and approved deferment.
-    Preparation & submitting of deferments to Credit Head Office for approval.
-    Updating of charges recovered on demand letters, client visits and other costs recovered.
-    Notes on the system regarding adjustments of action taken.
-    Identification of ICU/Special mentioned clients
-    Responsible to issue article 11 letters and relevant documentation on time with proof of registered mail on file.
-    Responsible for follow-up of Short term Insurance cover on all assists once accounts is on arrear list.

•    Responsible for O/10 documents to be completed on time with the necessary supportive documentation, motivations and recommendations, with limited comebacks and risks identified per legal procedures and exception report submitted to branch.

4. Maintenance of Vehicles and Equipment
•    Responsible to see that all vehicles and equipment in the department are well kept and maintained according to the Banks policies and procedure.
•    Responsible for the control over all repossessed vehicles and the transfer of those to the custody of Aucor.

5. Customer Focus
5.1 Customer Service
•    Has to ensure that clients are handled in a professional manner and provided with accurate information, including details about the branch’s products and services.
•    Ensure that the relationship with stakeholders are well taken of.
•    Has to ensure that communication to clients on all levels are in accordance to our Brand and Value promises and that no valid complaints have been received.

 

6. Sales Focus
6.1 Marketing
•    Identify cross selling opportunities and refer such opportunities and leads to the correct person or department involved.

7.1 Knowledge of Products and Services
The person should have adequate knowledge of the products and services that apply to his position.

7.2 Knowledge of System and Procedure
The person should have sufficient knowledge of the system and procedures that apply to his position to carry out his work effectively.
The person should have adequate knowledge of the IFRIS – Stages and the ability to prohibit arrear accounts to move between stages.

8.1 Brand loyalty, discipline, attitude and conduct
To ensure this person abides by and upholds the Bank Windhoek “code of conduct” regarding:
•    Conduct 
•    Professionalism
•    Commitment 
•    Reliability
•    Loyalty to the Brand
•    Loyalty in general
•    Teamwork
•    Reliability
•    Confidentiality 
•    Behaviour in public
•    Discipline

 

Other duties
       Must be willing /prepared to do any other reasonable and lawful instruction/task and it should normally be carried out on time and correct.

 

•    Organised
•    Committed
•    Energetic and willing 
•    Time management
•    Result  orientated
•    Customer Focused
•    Positive attitude towards system and system changes
•    Planning and organising skills
•    Loyalty
•    Teamwork
•    Reliability
•    Integrity