Senior Credit Officer

Description

• Responsible for ensuring that the credit policy is complied with when assessing applications or escalating same and that all new credit applications are submitted to the Board with a minimum number and amount of arrears and bad debts

Duties

• 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 prioritised 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
• 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
• Customer Focus:
• Conforming to Branches’ Service Requirements
• Ensure that branches are handled in a professional manner with correct advice, guidance and accurate information
• Personnel Management:
• Application and Utilisation of Personnel:
• Ensure that personnel are judiciously applied in appropriate posts and that the workload is cleared with the minimum mistakes and overtime
• Evaluation of Personnel:
• Ensure that you have sufficient knowledge of personnel and their duties in order to do effective evaluation and ensure that ongoing discussions take place
• Personnel Administration:
• Ensure that directives in respect of personnel administration are correctly followed and that documents are handed in timeously and correctly

Requisites

• Experience/Knowledge & Skills:
• Knowledge of the system and processing activities
• Professional image and grooming
• Self-confidence and interpersonal skills
• 3-5 Years accounting experience in a similar position
• Computer literate: (knowledge of MS Word & MS Excel)
• Analytical and technical skills
• Product knowledge
• Qualification:
• Tertiary education in Finance (B.Comm or similar)

Notes

• Only shortlisted applicants will be contacted