Senior Credit Officer (RB6 - MT1) - Otjiwarongo Branch

Bank Windhoek

Industry: Banking

About the role

**Introduction** 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. **Job description** Key Performance Areas (KPAs) 1 Customer Focus1.1 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 loan accounts. 2 Sales Focus2.1 Responsible for identifying cross-selling and up-selling opportunities and referring such opportunities and leads to the sales area. Drive new business to reach desired sales goals 3 Credit Administration3.1 Evaluation of credit applications, with reference to Credit Risk Management Module3.1.1 Financial analysis3.1.2 Financial structuring3.1.3 Credit evaluation and assessment3.1.4 Collateral3.2 Ensure all applicable documentation for credit applications is in order.3.3 Responsible to ensure all documents attached to the application are completed correctly with the required authorization and signatures.3.4 Monthly/quarterly/annual revision of account exposure3.5 Management of CRM 3.6 Daily management of BID reports3.7 Excess reporting submitted to Head Office Credit3.8 Ensure all applicable documentation for credit applications is in order.3.9 Responsible to ensure all documents attached to the application are completed correctly with the required authorization and signatures.3.10 Monthly/quarterly/annual revision of account exposure3.11 Management of CRM 3.12 Daily management of BID reports3.13 Excess reporting submitted to Head Office Credit3.14 Responsible for ensuring that contracts are complete and legally correct (only if no dedicated Collateral area in branch)3.15 Responsible for ensuring that differences between source documents and the system are corrected and that lists are filed3.16 Responsible to ensure that costs are recovered and duly checked in accordance with the prescribed guidelines3.17 Achieving credit control assessment targets / audit3.18 Completion of all applicable documentation for overdraft facilities: existing customers3.19 Aftercare for all collections 4 People Management4.1 Identify skills gaps, develop and empower your team to reduce workload, overtime, and staff turnover4.2 Effectively plan and conduct formal and on the job trainings to ensure that sufficient expertise are available to perform the job4.3 Sufficient knowledge of staff and their duties to do effective evaluation in accordance the Banks guidelines. 5 Expertise5.1 Adequate knowledge of Banks products and services, as well as credit principles.5.2 Sound knowledge of financial ratios applicable to business applications.Adequate experience of managing non-performing loans.Adequate knowledge of Credit Risk Rating and how it affects a client’s scoring.Adequate knowledge of IFRS 9. 6 Conduct6.1 Abide by and uphold the Banks “code of conduct” regarding: professionalism, commitment, reliability, confidentiality, brand loyalty, behaviour in public discipline, etc 7 Other duties7.1 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 & SkillsAt least 4 years general banking experience Knowledge of Products and ServicesKnowledge of Business & Administration ProceduresKnowledge of Credit principlesComputer literacy essential (Word, Excel)Budgeting and planning skills.Excellent Leadership skillsExcellent interpersonal relationship skillsSkill in analyzing and evaluating financial information.Passion to work with numbersQUALIFICATION· Grade 12Credit Diploma · Collateral diploma· MDP/LDP· Bachelor’s or related degree in Commerce will be an added advantage.

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
• Credit Diploma

Source: Otjizu Jobs admin import