Credit Application / Assessment
Assessment of Applications
•    Assessment of applications for approval in accordance to manuals against prescribed terms and conditions and mandates as approved by HO Credit

Policy and Acts Compliance
•    Ensure that credit applications and assessments conform to and comply with Credit Risk Management Model prescriptions and banking policies and the mentioned Credit Agreements Acts
•    Ensure that applications for Credit are approved within the bank mandate as per prescribed mandate letters

Application Processing 
•    Ensure that applications and submissions for loans exceeding the bank mandate conform to credit application prescriptions and requirements, with few referrals from Head Office.
•    Ensure that applications are correctly completed and submitted at the shortest turnaround time.
•    Ensure that the communication for obtaining all related documentation with regard to Credit Application and FIA is clear and submitted 
•    Responsible for the timely application and approval of requests for dealership and general schemes as introduced in the market

 

Credit Administration
•    Approval of credit applications, with reference to risk factors:
    Financial analysis
    Financial structuring
    Credit evaluation and assessment
•    Ensure that the excess memorandum is submitted to centralised Credit Office
•    Responsible for preparing reports and standard statements 
•    Responsible for ensuring that contracts are complete and legally correct 
•    Accountable for costs recovery in accordance with the prescribed guidelines
•    Responsible for achieving credit control assessment targets / audit
•    Approval of all applicable documentation for overdraft facilities: existing customers

 Cost recovery
•    Responsible for ensuring that costs and revenue stamps are recovered in accordance with the officially approved tariff structure. 
Customer Focus
•    Responsible for professional client relationship management for loan accounts

Sales Focus
•    Responsible for identifying cross-selling opportunities.