Introduction
Responsible for ensuring that the credit policy is complied with when assessing applications or escalating the 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.
Application Assessment Control
Ensure that most application assessments are prioritized and that they conform to credit application prescriptions and requirements.
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 of Arrears /Excess
· Ensure that they are on average 100% within set norms
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.
Finalization 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 the correct advice, guidance, and accurate information.
Core Competencies
Deciding and Initiating Action
Adhering to principles & values
Writing and Reporting
Analyzing
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
· Professional image and grooming
· Self-confidence and interpersonal skills
· 3-5 Years of accounting experience in a similar position
· Computer literate: (knowledge of MS Word & MS Excel)
· Analytical and technical skills
· Product knowledge
Qualification
· Matric (Grade 12) with Accounting as a subject
· Tertiary education in Finance (B.Comm or similar)
More Information
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Job Application Details
APPLICATION DETAILS
To apply and register please visit the link below : https://careers.bankwindhoek.com.na/applicant/index.php?controller=Listings&method=view&listingid=61201b99-a08d-4095-be5d-17f1f26e1dd6 Apply by: 3 May 2023
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