Senior Credit Officer
Listing reference: capbw_000245
Listing status: Closed
Apply by: 7 July 2022
Position summary
Industry: Banking
Job category: Banking, Finance, Insurance. Stockbroking
Location: Windhoek
Contract: Permanent
Remuneration: TBD
EE position: No
Introduction
Responsible for ensuring that the credit policy is complied with when assessing applications or escalating same and that all new credit applications are submitted to the Board with a minimum number and amount of arrears and bad debts.
Job description
Key Performance Areas (KPAs)
1. Credit Application / Assessment
Policy Compliance
- Ensure that credit applications and assessments in terms of tasks assigned, conform to/comply with the “Credit Risk Management Model” prescriptions with limited assistance to interpret credit policy issues.
Assessment of Securities / Repayment Ability / Risk
- Ensure that all securities cited and offered, considering repayment ability and risk involved, conform to Bank policies and requirements with limited comebacks/ referrals.
2. Credit Aftercare
Aftercare of Credit Facilities in Arrear/ Excess
- Responsible for managing facilities, arrears and excess to be within set norms and time frames according to system detail and information from branches and that there are few instances where facilities in arrear/excess reported are not managed effectively.
Number and Amount of Arrears /Excess
· Ensure that they are on average 100% within set norms
Bad Debts of Applications Approved
· Ensure that bad debts correspond with the guideline percentage with less than 0,5% deviation.
Finalisation of Bi-Monthly /Monthly /Quarterly /Half-Yearly /Annual Reports
- Ensure that all reports are prepared and submitted on time according to prescriptions with few comebacks regarding clarification on information submitted.
Adherence to Diary Dates
- Ensure that items diarised are completed within time limits with few deviations
3. Customer Focus
Conforming to Branches’ Service Requirements
- Ensure that branches are handled in a professional manner with correct advice, guidance and accurate information.
4. Personnel Management
4.1 Application and Utilisation of Personnel
· Ensure that personnel are judiciously applied in appropriate posts and that the workload is cleared with the minimum mistakes and overtime.
4.2 Evaluation of Personnel
- Ensure that you have sufficient knowledge of personnel and their duties in order to do effective evaluation and ensure that ongoing discussions take place.
4.3 Personnel Administration
- Ensure that directives in respect of personnel administration are correctly followed and that documents are handed in timeously and correctly.
5. General
· Any other reasonable and lawful instruction as given to the incumbent by his/her supervisor on time.
Required Competencies
· Leading and Supervising
· Adhering to principles & values
· Analysing
· Planning and Organising
· Delivering Results and Meeting Customer Expectations
· Entrepreneurial and Commercial Thinking
Minimum requirements
Experience/Knowledge & Skills
· Knowledge of the system and processing activities
· Self-confidence and interpersonal skills
· 5 Years experience in a similar position, of which at least 3 in managerial position
· Computer literate: (knowledge of MS Word & MS Excel)
· Analytical and technical skills
· Product knowledge
QUALIFICATION
- Tertiary education in Finance (B.Comm or similar)
