1.    Preparations and Verifications

•    Establish what type of facility and collateral security documents should be completed
•    Obtaining applicable facility and collateral security documents from the Bank’s system
•    Overall accountable for the effective and efficient drafting/completion of applicable facility and collateral documents
•    Creation of facility and collateral security documents where there are no standard documents available on Kwathela (complex facilities / collateral securities)
•    Ensuring that the calculations reflect the same on the documents as per the calculation sheet and payment structure
•    Ensure that approval conditions (amount, rate, term, special conditions, etc.) are reflected correctly on the facility documents
•    Ensure that approval conditions on facility and collateral security are adhered to
•    Ensure that all facility and collateral security documents are duly signed by all parties (i.e. client, bank and witnesses)
•    Administration and Safekeeping of all facility and collateral documents while in progress
•    Preparation of amendments to loan documents when approval is obtained for rate changes, etc
•    Send the request for Power of Attorney to Attorneys, once received from the Attorneys to Power of Attorneys will be sent to the Branch to obtain client signature
•    Instruction to register Bond, request to annotate cessions (RCLP & RCFP) is prepared and sent to Attorneys and / or Life Assurance Company and / or Fire Insurance Company
•    When the Bond registers, authorization is granted by Verifications for loans to be disbursed and or limits loaded by Capturing
•    A Collateral Security file is made and Documents are kept in the “Overnight Vault” with follow up card
•    Timeous handling of all queries and instructions applicable to the segment
•    Effective control, monitoring and reporting with regard to the segment (i.e. daily, weekly, monthly.

 

2.    Customer Focus/Client Relationship

•    Ensures that internal and external client relationships are effectively managed and delivery of service to internal and external clients takes place in line with the deliverables agreed in the Service Level Agreements (SLA’s)
•    Ensure that internal and external customer enquiries are handled in a prompt and professional manner
•    Provide internal and external customers with accurate information about the Bank’s products and Services.

 

3.    Financial Administration and Management

•    Assist with the planning, management, execution and monitoring of the Department’s budget (i.e. stay within the prescribed budgets for expenditure and achieve income targets as per revenue budget)
•    Ensure that there is no revenue leakage
•    Ensure that all prescribed costs, fees and charges are executed as per the prescribed set guidelines, policies and procedures.

 

4.    Sales Focus

•    Assist in identifying cross-selling opportunities and to refer such opportunities and leads to the relevant segments/departments
•    Assist in developing and reinforcing a sales culture in the Bank
•    Assist in identifying potential growth areas for the Bank and analyze trends and competitive environment
•    Provide accurate information about the Bank’s Products and Services.

 

5.    People Management
•    Must be able to operate independently on a high level
•    Responsible for own performance, self-development and talent management
•    Co-operation with fellow colleagues
•    Coaching and mentoring skills
•    Contribute to the effectively execution of the Department’s plans and conduct on the job trainings to ensure that sufficient expertise is available to perform the job
•    Develop and reinforce a performance culture in the Department
•    Creates understanding, ongoing awareness and monitors compliance with all Human Resources and other related policies
•    Provide management and leadership capabilities within the department
•    Ensure that the right people are placed in the right positions, in order to reduce workload, overtime and staff turnover
•    Effectively plan and conduct formal and on the job trainings to ensure that sufficient expertise is available to perform the job
•    Sufficient knowledge of staff and their duties to do effective evaluation in accordance the Banks guidelines
•    Responsible for performance and talent management in the area of responsibility.

 

6.    Risk, Compliance & governance

•    Compliance with Regulatory Bodies (i.e. Bank of Namibia, Bankers Association of Namibia, Namfisa, etc.) and any governmental Rules, Acts and Regulations (i.e. Anti-Money Laundering, Due Diligence, Sanctions, etc)
•    Mitigate Risk and Legal Implications to the Bank
•    Compliance with the Bank’s Policies, Processes, Procedures and Circulars
•    Ongoing review of the Bank’s Policies, Processes, Procedures and Systems to improve effectiveness and efficiency to enhance service delivery and mitigate risk
•    Knowledge of the Code of Banking Practice
•    Develop and reinforce an effective Risk Culture (Risk Culture Building: Think differently, Get the whole picture, Build a Risk Intelligence System and Every Capricorn Citizen is a Risk Manager)
•    Implementing controls and reports to monitor and mitigate risk

 

7.    Conduct

•    Be an ambassador of the Capricorn Way and Capricorn Brand (Strong sense of good ethics and values)
•    Be a Connector of Positive Change (adaptability and change management)
•    Abide by and uphold the Bank’s Code of Conduct regarding: Professionalism, Commitment, Reliability, Confidentiality, Brand Loyalty, Behaviour in public discipline, etc.

 

8.    General

•    Assist in other roles and segments when employees are on leave or during peak times
•    Willing to perform any other reasonable and lawful instruction and/or duties given by supervisor or manager 
•    Doing research on subject matter and review documentation, processes and procedures to lead in the competitive market