KEY PERFORMANCE AREAS (KPAS) 1 1. Credit quality1.1 Accounts in arrears – number (Not to exceed norm)1.2 Accounts in arrears – amount (Not to exceed norm)1.3 Bad Debt in relation to total assets (Not to exceed 1%) 2. Credit Aftercare2.1 Follow-up of irregular accounts 3. Routine Administration 3.1 Account AdministrationHas to ensure that amendments on existing loan accounts are done timeously and correctly regarding:o Monthly payment adjustmentso Processing client requests/adjustmentso Preparation & submitting of deferments to Credit Head office for approvalo Updating of charges recovered on demand letters, client visits and other costs recoveredo Notes on the system regarding adjustments of action takeno Adhering to rules where property is rented outo Identification of ICU/Special mentioned clients 3.2 Updating of debit order detailHas to ensure that we have the correct banking detail for monthly debits. All changes should immediately be noted and advised 3.3 Credit Head Office meetings Client’s with outstanding balance above 2 million with financial difficulties to have on time meetings. 3.4 Completion of O10’sResponsible for O10 documents to be completed on time with the necessary supportive documentation, motivations and recommendations, with limited comebacks. 3.5 Reconciliation of office accountHas to ensure that funds received are allocated to correct bond accounts and reconciled on a daily basis KEY PERFORMANCE AREAS (KPAS) 2 4. Customer Focus 4.1 Customer ServiceHas to ensure that clients are handled in a professional manner with accurate information, including details about the branch’s products and services. 5. Sales Focus 5.1 MarketingResponsible to identify cross selling opportunities and refer such opportunities and leads to the correct person, branch or department involved. 6. Expertise 6.1 Knowledge of Products and ServicesThe person should have adequate knowledge of the products and services that apply to his position. 6.2 Knowledge of System and ProcedureThe person should have sufficient knowledge of the systems and procedures that apply to this position to carry out work effectively. 7. Conduct 7.1 Brand loyalty, discipline, attitude and conductTo ensure this person abides by and upholds the Bank Windhoek “code of conduct” regarding:o Conducto Professionalismo Commitmento Reliabilityo Confidentialityo Brand Loyaltyo Loyalty in generalo Behaviour in publico Discipline, etc. 8. General 8.1 Other duties• Must be willing/prepared to do any other reasonable and lawful instruction / task and it should normally be carried out on time and correct CORE COMPETENCIES:• Organised • Committed• Energetic and willing• Time management• Results orientated• Customer focused• Positive attitude towards system and system changes• Communication both written and orally in English• Planning and organising skills• Leadership• Loyalty• Teamwork• Reliability• Integrity
Minimum requirementsEXPERIENCE/KNOWLEDGE & SKILLS:
• Adequate knowledge of Banks products and services and those provided by the competitors
• Adequate Knowledge of systems and procedures
• Computer literacy essential (Word, Excel and PowerPoint)
• Excellent interpersonal relationship skills
• Excellent negotiating skills
• Skill in analyzing and evaluating financial information
• Ability to work well under pressure
• Analytical skills
• Product knowledge
• Willing to travel QUALIFICATION:
• Grade 12
• IOB diploma an advantage
• Must have a valid driver's licence: Code BE