Officer : Branch Credit

Job Description

1.       Prepare new Credit Proposals for Credit File submissions, which includes :

§   Conducting a needs analysis, vetting ( ITCs and CIPCs ) , Financial analysis followed by affordability calculations, and an Industry analysis.

§   Qualitative and quantitative research.

§   Updating client information to ensure that their profile is both up to date and accurate.

§   Reverting to clients should there be any queries on the above.

§   Drafting write ups to motivate the request and submit for approval.

2.       Managing all credit-related queries. This includes but is not limited to :

§   Process and maintain Credit Files and all Branch memos, also follow up for Company Financials.

§   Rate Clearance Certificates, Valuation Reports and Financial Rating.

§   Answering queries related to the Credit Department.

§   Making sure that all clients who are in excess of their limits either have approvals and / or all clients are notified when their accounts / loans are overdue.

§   Ensuring that all insurance policies are current.

§   Ensuring that all valuations are current.

§   Ensuring that all rate statements are current.

§   Ensuring that all security documents are in order and the special conditions are complied with.

§   Issuing of Guarantees, bank audit confirmations, client queries, negotiations etc.

§   Ensure all records are kept in order as per the Bank's policies.

§   Undertake specific ad-hoc projects / assignments from time to time as directed by the line manager.

Requirements

§   Relevant Bachelor’s Degree (BCom, BCom Honours in Banking etc).

§   Minimum of 5 years’ banking experience, specialising in credit.

§   Ensure all activities are completed within timescales and with high degree of accuracy, whilst providing excellent service, and adhering to all appropriate processes and procedures.

§   Building and maintaining positive client relationships.

Requirements

• Relevant Bachelor’s Degree (BCom, BCom Honours in Banking etc). - Minimum of 5 years’ banking experience, specialising in credit. - Ensure all activities are completed within timescales and with high degree of accuracy, whilst providing excellent service, and adhering to all appropriate processes and procedures. - Building and maintaining positive client relationships.