KEY PERFORMANCE AREAS (KPAs)

1. Credit Policy and Strategy

Continuously assess the Bank’s Credit Policy and Strategy, making recommendations and adapting in line with newest trends and approaches, which includes:

• Annual revision of the bank’s Credit Policies for approval by the Board of Directors;
• Keep abreast of new developments and approaches with respect to credit risk and practices;
• Continuous assessment and adjustment to the bank’s credit strategy in accordance with the bank’s strategy and market needs and trends;
• Manage credit mandates of Credit Managers (CSS) and Branch Managers;
• Continuous evaluation of the credit assessment process to ensure effective and streamlined processes;
• Develop Bank Gaborone credit risk management model; and
• Establish procedure manuals and strategies for the department, including advances instruction manual, property finance manual, vehicle & asset finance manual; collateral manual and SME manuals.
• Uses advanced analytics and modern technology to lead innovation throughout the Credit process
• Introduces and implements automated credit solutions.

2. Service and Consulting

• Conduct regular branch visits and client interviews;
•  Through his team co-ordinates Conduct random checks on branch Credit processes on an adhoc basis
• Ensures that the appropriate level and quality of credit training is rolled out in the Bank. Evaluate credit related branch performance;
• Ensure adherence to legislation and regulations;
• Adapt to changes in the macro economic environment;
• Ensure clients’ queries and complaints are dealt with efficiently and professionally
• Implement and ensures that minimum turnaround time standards for lending are adhered to
• Provides guidance to branches and Credit Managers with respect to all credit matters.

3. Credit Assessment and Aftercare

• Review of and approval of loans;
• Ensures quality applications submitted to BCC
• Ensures that a process is in place whereby all loans are evaluated for correctness and accuracy by the credit managers before approval by respective mandate holders;
• Ensures that robust processes are in place for loans approval and that the process ensures that all loans are correctly sanctioned within all the conditions of approval;
• Ensures compliance to all applicable legislations and regulations;
• Manages the rehabilitation of non-performing loans;
• Sets up the process and controls that ensure that credit assessment takes place within the allocated mandates; 

• Manage and limit amount of provisions and bad debts;
• Is responsible for the efficient processing of all internal and external queries relating to
• Signs off sanctions within mandates allocated to   branches in line with the Credit Sanctions policy Review the Bank’s loan portfolio on continuous basis to ensure all loans are monitored and remedial action taken on delinquent loans.

4. Reporting and Administration 

• Oversees reporting related to Credit Department, Compliance and the Legal Collections Branch;
• Oversees the administration of Credit Department and Legal Collections Branch; 

• Implements and reviews the drafting of management information systems reports for credit related matters;
• Reviews monthly credit reports and portfolio metrics including irregularities by branches;
• Submit monthly reports to EMT and quarterly reports to Board, including statistical, provisions and special mention accounts reports;
• Provides input to regulatory inspection reports and correspondence with the regulator and ensures regulatory returns to Central Bank;
• Management of departmental budget; and
• Review and monitor credit circulars.

5. Legal Collections and Actions

• Endeavour to increase the amount of collections to the maximum;
• Manage the effective recovery of bad debts written off;
• Manage the assessment of accounts transferred to Legal Collections Branch to ensure that all actions are considered to minimize potential losses to the bank;
• Investigate actions followed by branch for the duration of the account to exclude negligence as a factor for losses;
• Report instances where staff members acted outside their mandate or where actions increased the probability of losses to the bank;
• Ensure bad debtors are listed at Credit Bureaus and negotiate new agreements on behalf of the bank and monitor new repayments;
• Limits the growth of non-performing loans and manages credit limits;
• Reviews non-performing advances;
• Controls legal actions and recovery processes;
• Ensures checking/inspection of security documentation;
• Drafts and manage exception reports;
• Drafts security documents where there is no standard documentation; and
• Ensures all needed documentation on file prior to a facility handed over for litigation.

6. Collateral Compliance

• Ensures compliance to all relevant legislation and regulations;
• Peruses of credit inspection reports;
• Overall control of banks’ collateral linked to the credit portfolio;
• Review all collateral and ensures compliance to all procedures and accuracy required documentation;
• Reviews all policy exceptions and material issues and informs portfolio manager to identify and resolve or escalate all trade allocation issues if required;
• Report all exceptions to BCC and BAC as required.
• Oversees the Monitoring and reconciliation of all lain associate activities and payments and the coordination with relevant parties to prepare daily posting; and
• Check and control of all performance guarantees issued in the bank.

7. People Management

• Oversee the implementation and management of people process management process within the credit function;
• Appoints a competent team and leads the Credit team to deliver the Bank’s Strategic objectives in terms of Credit.
• Ensures compliance with all Human Resources policies;
• Ensures that complete and accurate human resource records for members of Credit Services are in place and maintained;
• Participates in the Talent Management process in respect of the practice area;
• Conducts regular performance discussions and implements interventions to address performance gaps; and
• Ensures completion of bi-annual customer satisfaction surveys.