KEY PERFORMANCE AREAS (KPA)

1. EVALUATION OF CREDIT APPLICATIONS

• Ensures that evaluation and assessment of risk associated with each credit applications, products and borrowers before recommending for approval by the Credit Manager.
• Ensures that applications are compliant with banks local credit policy and regulatory requirements of the advances instructions manual model.
• Ensures that applications are compliant with regulatory requirements.
• Supports the sales force by conducting credit review by providing advice on risk evaluation of complex credit to ensure sound lending.
• Manages turnaround time for all credit applications to ensure timely feedback to sales teams.
• Approves applications in accordance with credit policy and regulatory requirements in line with the mandate granted. 

2.     CREDIT AFTERCARE 

• Ensures accurate record keeping of all credit correspondence and documentation.
• Monitors adherence to loan terms and conditions, triggers following them up.
• Actions credit reports and follows up branches for submission of reports which include the following:

1.     Daily excess reports

2.     Daily disbursement of facilities

3.     Monthly dormant debit account,

4.     Monthly compulsory suspended accounts

5.     Loans 45 days and longer in arrears

6.     Securities longer than 3 months outstanding

7.     Balance outstanding after maturity on loans

8.     Savings accounts with debit balances

9.     Bad debt written off

10.  Detailed exception report staff cheque accounts

11.  Deferral on instalment finance accounts           

3.     RISK MONITORING AND CONCTROL 

·        Ensures that banks policy breaches are properly authorised at the appropriate approving levels.

·        Ensures credit policies are reviewed and updated in line with market trends and demands

·        Managing of Issue Closure process and overdue issues

·        Early identification and reporting of deteriorating credit facilities

·        Monitoring and management of irregular accounts to limit transfers to Non-Performing Loans 

·        Reviews and monitors conditions and triggers set for facilities granted

·        Ensures timely completion and submission of monthly reports which include:

o   Board reports

o   Bank of Botswana single borrowers limit report etc.

o   Building loans report

o   Floor Plan report

o   Executive Management Report

o   Bi-Monthly Care list report

o   Top 20 loan list report

o   BCC submissions – Above 90 days & BCC mentioning reports

4.       POLICIES AND PROCEDURES

·        Timely review of the following policies and processes:

o    Advances Instruction Manual

o    Credit Risk Framework Policy

o    Credit Sanctions Policy

o    BCC / BLC Terms of Reference

·       Assisting Head of Credit with Regulatory changes and updates

5.     CUSTOMER FOCUS 

·        Handles internal customers in a professional manner and providing them with accurate information about the Bank’s credit policies 

5.     PEOPLE MANAGEMENT 

5.1 Job Descriptions & Performance Contracts

·        Ensures that all direct reports have agreed and signed for their job descriptions.

·        Ensures that performance objectives are developed and that Performance Contracts are agreed and signed on an annual basis.

·        Gives internal training, mentoring and coaching as may be necessary.

5.2 Performance Management

·        Conducts Performance evaluation for the Direct reports on half yearly basis, using the agreed performance contracts.

·        Submits annual Performance Evaluation Reports to Human Resources Department.

·        Identifies and manages Poor performers as per the bank’s policy.

5.3 Staff Development

·        Identifies skills gaps for direct reports and recommends appropriate training.

·        Assists direct reports to develop and implement Personal Development Plans on annual basis 

5.4 Staff discipline

·        Ensures departmental adherence to the bank’s Code of Conduct and Disciplinary Policy. 

6.     COMPLIANCE 

·        Reads and understands the relevant material in order to comply with laid down rules and regulations, Bank Policies and legislative, regulatory and statutory requirements.  

7.     CONDUCT

·  Abides by, and upholds the Bank’s “Code of Conduct” regarding: professionalism, commitment, reliability, confidentiality, and brand loyalty, behavior in and outside the Bank.

·        Adopt and live “The Capricorn Way” culture every day in and outside the Bank 

8.     GENERAL 

·        Must be willing to do any other reasonable and lawful duties delegated by his/her supervisor and must be carried out correctly and on time.

CORE COMPETENCIES:

·        Ability to work well under pressure (Resilience)

·        Planning & Organising

·        Persuasiveness/ Influencing

·        Assertiveness and Enthusiasm

·        Analytical

·        Insight/understanding

·        Strategic thinking

·        People & Time management

·        Results driven

·        Eye for Detail

·        Taking ownership

·        Integrity

MINIMUM EXPERIENCE/KNOWLEDGE & SKILLS

• Five (5) years experience in credit in a Commercial Banking and Credit environment 
• Knowledge of Credit Policies/ Manuals

·        Proficient Knowledge of Banking Credit principles & Administration Procedures/Processes

·        Thorough knowledge of the Market and Regulatory Requirements pertaining to credit

·        Passion for Credit

·        Excellent written and verbal presentation skills

·        Excellent verbal and written communication skills

·        Proficient computer literacy (Word, Excel and PowerPoint)

·        Excellent Leadership skills

·        Excellent interpersonal skills

MINIMUM QUALIFICATIONS:

·       Business related Degree    

·        Diploma in Banking/ Credit Certificate