Senior Credit Officer

Bank Windhoek

Bank Windhoek is recruiting a Senior Credit Officer, to be based in Mariental, Namibia.
  • Effective administrative management of the credit facilities (mandate as allocated by Manager: Credit) in compliance with the Bank’s credit policy and procedures and containment of credit risk as per BSC
  • Key Performance Areas (KPAs)
  • Customer Focus:
  • Responsible for ensuring that clients are handled in a professional manner, the information provided is correct and clients are correctly referred
  • Client relationship management for loan accounts
  • Sales Focus:
  • Responsible for identifying cross-selling opportunities and to refer such opportunities and leads to the sales area
  • Credit Administration:
  • Evaluation of credit applications, with reference to risk factors:
  • Financial analysis; Financial structuring; Credit evaluation and assessment; Collateral
  • Ensure all applicable documentation for credit applications are received from sales
  • Responsible to ensure that documents for entry are completed correctly with the required authorization and signatures Monthly/quarterly/annual revision of account exposure
  • Daily referral processes
  • Excess memorandum submitted to centralized Credit Office
  • Responsible for preparing reports and standard statements/Ensures that monthly returns/reports are submitted to centralised Credit Office
  • Responsible for ensuring that contracts are complete and legally correct (only if no dedicated Collateral area in branch)
  • Responsible for ensuring that differences between source documents and the system are corrected and that lists are filed
  • Responsible to ensure that costs are recovered in accordance with the prescribed guidelines
  • Achieving credit control assessment targets/audit
  • Completion of all applicable documentation for overdraft facilities: existing customer
  • People Management:
  • 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 are available to perform the job
  • Sufficient knowledge of staff and their duties to do effective evaluation in accordance the Banks guidelines
  • Experience/Knowledge & Skills:
  • At least 4 years general banking experience
  • Knowledge of Products and Services, Credit principles
  • Knowledge of Business & Administration Procedures
  • Computer literacy essential (Word, Excel)
  • Budgeting and planning skills
  • Excellent Leadership skills and interpersonal relationship skills
  • Skill in analyzing and evaluating financial information
  • Qualification:
  • Grade 12
  • Credit Diploma
  • MDP/LDP – progress to obtain
  • Only shortlisted applicants will be contacted


  • Entity Bank Windhoek
  • Location
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  • Published 17.03.2023
  • Expires 27.03.2023
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