1.1 Responsible for ensuring that clients are handled in a professional manner, the information provided is correct and clients are correctly referred.

1.2 Client relationship management for loan accounts.

 

2.1 Responsible for identifying cross-selling and up-selling opportunities and referring such opportunities and leads to the sales area. Drive new business to reach desired sales goals

 

3.1 Evaluation of credit applications, with reference to Credit Risk Management Module

3.1.1 Financial analysis

3.1.2 Financial structuring

3.1.3 Credit evaluation and assessment

3.1.4 Collateral

3.2 Ensure all applicable documentation for credit applications is in order.
3.3 Responsible to ensure all documents attached to the application are completed correctly          with the required authorization and signatures.
3.4 Monthly/quarterly/annual revision of account exposure
3.5 Management of CRM 
3.6 Daily management of BID reports
3.7 Excess reporting submitted to Head Office Credit

3.8 Ensure all applicable documentation for credit applications is in order.
3.9 Responsible to ensure all documents attached to the application are completed correctly with the required authorization and signatures.
3.10 Monthly/quarterly/annual revision of account exposure
3.11 Management of CRM 
3.12 Daily management of BID reports
3.13 Excess reporting submitted to Head Office Credit

3.14 Responsible for ensuring that contracts are complete and legally correct (only if no dedicated Collateral area in branch)

3.15 Responsible for ensuring that differences between source documents and the system are corrected and that lists are filed

3.16 Responsible to ensure that costs are recovered and duly checked in accordance with the prescribed guidelines

3.17 Achieving credit control assessment targets / audit

3.18 Completion of all applicable documentation for overdraft facilities: existing customers

3.19 Aftercare for all collections

 

4.1 Identify skills gaps, develop and empower your team to reduce workload, overtime, and staff turnover

4.2 Effectively plan and conduct formal and on the job trainings to ensure that sufficient expertise are available to perform the job

4.3 Sufficient knowledge of staff and their duties to do effective evaluation in accordance the Banks guidelines.

 

5.1 Adequate knowledge of Banks products and services, as well as credit principles.

 

6.1 Abide by and uphold the Banks “code of conduct” regarding: professionalism, commitment, reliability, confidentiality, brand loyalty, behaviour in public discipline, etc

 

7.1 Willing to perform any other reasonable and lawful duties assigned by the management.

 

• Customer focus 

• Delivering Results and meeting customer expectations

• Planning & Organising 

• Assertive

• Interpersonal Sensitivity

• Problem Solving and Analytic

• Insight/understanding 

• Ability to work well under pressure

• Friendliness

• Quality conscious 

• Communicating orally/written

• Teamwork

• Reliability

• Resilience