Loan Officer (RB4) - Katima Mulilo Branch
Listing reference: capbw_001209
Listing status: Closed
Apply by: 28 November 2023
Position summary
Industry: Banking
Job category: Banking, Finance, Insurance. Stockbroking
Location: Katima Mulilo
Contract: Permanent
Remuneration: Market Related
EE position: No
Introduction
Effective administrative management of the article finance credit facilities in compliance with the Bank’s credit policy and procedures and containment of credit risk as per BSC.
Proactive sales of the Banks article finance products and cross selling to the existing clients to meet business objectives of the Bank
Job description
Key Performance Areas (KPAs)
1. Customer Focus
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 article finance accounts
2. Sales Focus
2.1. Responsible for identifying cross-selling opportunities and to refer such opportunities and leads to the sales area.
3. Credit Administration for finance
3.1 Ensure all applicable documentation for finance applications are received from customer / dealer.
3.2 Responsible to ensure that documents for entry are completed correctly with the required authorisation and signatures.
3.3 Daily referral processes
3.4 Responsible for preparing reports and standard statements / Ensures that monthly returns/reports are submitted to centralised Credit Office.
3.5 Responsible for preparing reports and standard statements / Ensures that monthly returns/reports are submitted to Manager : Credit
3.6 Responsible for ensuring that contracts are complete and legally correct
3.7 Responsible for ensuring that differences between source documents and the system are corrected and that lists are filed.
3.8 Responsible to ensure that costs are recovered in accordance with the prescribed guidelines.
3.9 Achieving credit control assessment targets / audit.
3.10Completion of all applicable documentation for article finance: existing/new customers.
4. Expertise
4.1. Adequate knowledge of Banks products and services, as well as article finance credit principles
5. Conduct
5.1. Abide by and uphold the Banks “code of conduct” regarding: professionalism, commitment, reliability, confidentiality, brand loyalty, behaviour in public discipline, etc
5. Other duties
Willing to perform any other reasonable and lawful duties assigned by the management
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
Minimum requirements
Experience/Knowledge & Skills
· At least 2 years general banking experience
· Knowledge of Products and Services
· Knowledge of Business & Administration Procedures
· Knowledge of Credit principles
· Computer literacy essential (Word, Excel)
· Good Leadership skills
· Excellent interpersonal relationship skills
· Skill in analyzing and evaluating financial information.
· Passion to work with numbers
QUALIFICATION
Grade 12
A Credit Diploma will be an advantage