Senior Credit Officer

Description

• 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

Duties

• 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 authorisation and signatures
• Monthly/quarterly/annual revision of account exposure
• Daily referral processes
• Excess memorandum submitted to centralised 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 customers
• Aftercare for all collections
• 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
• Expertise:
• Adequate knowledge of Banks products and services, as well as credit principles

Requisites

• Minimum Requirements:
• At least 4 years general banking experience
• Knowledge of Products and Services
• Knowledge of Business & Administration Procedures
• Knowledge of Credit principles
• Computer literacy essential (Word, Excel)
• Budgeting and planning skills
• Excellent Leadership skills
• Excellent interpersonal relationship skills
• Skill in analyzing and evaluating financial information
• Passion to work with numbers
• Qualifications:
• Grade 12
• Credit Diploma
• Collateral diploma
• MDP/LDP
• Bachelor’s or related degree in Commerce will be an added advantage
• Core Competencies:
• 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

Notes

• Only shortlisted applicants will be contacted