Corporate Operations Supervisor - KZN at Al Baraka Bank South Africa

MAIN FUNCTIONS OF THE JOB

Credit Application Process

• Reviews information for credit applications and review of facilities
• Allocates to credit analyst for processing
• Management of the deadlines for submission to the various Credit Committees
• Discuss risk issues and/or additional information requirements with the Corporate / Relationship managers
• Liaises with clients to obtain information and clarify queries with clients in order to complete credit /review of facility application.
• Guides and advises credit analyst on the preparation of the credit / review of facility application
• Allocation of credit applications to internal credit analysts and Offsite Credit Analysts
• Monitoring of applications allocated to Offsite Credit Analysts to ensure timeous submission to various Credit Committee
• Assesses credit / review of facility application ensuring accuracy, correctness, adherence to policies and overall quality is met as per required standards, in reasonable time frames
• Manages risk issues and administrative queries of SMCC, ECC and BOD and ensure these are addressed timeously.
• Review facility letters released ie APM/Fees etc

 NFD’s (Not Finalised Deals)

• Ensures and reviews the Loss of Profits calculation and schedule for finalisation of deals
• Ensure the calculations are submitted to Corporate Admin Supervisor for finalisation on TASL

VRT’s (Valuation Review Templates)

• Allocates and ensures that VRT’s are completed accurately and submitted to Credit for Review.

Customer Relations & Back Office Function

• Assists the Corporate / Relationship managers with management of the corporate clients iro Credit Applications
• Assist corporate clients in the absence of the Corporate / Relationship managers.
• Liaises with Corporate clients in respect of credit application queries and other related information requirements.
• Assists Corporate / Relationship managers to sign documents with corporate clients as and when required.

Supervision of Staff

• Assists with the delegation of duties to the credit analyst and ensure timeous completion of tasks
• Guides, advises and trains/coach credit analyst in their daily tasks and ensures that they have necessary skills to perform their roles efficiently
• Assists the Corporate Manager with the completion of Performance reviews for the credit analyst.

Facility Reviews

• Maintains a register of facility reviews and obtains information from facility clients in order to timeously complete reviews before expiry date
• Advises Corporate / Relationship managers of facilities needing review and establish time frame and requirements to complete review
• Manages allocation of reviews to credit analysts, brief on requirements and ensure timeous completion
• Review applications and ensure relevant credit committee risk issue / queries are addressed

Reporting

• Responsible for ensuring that required reports are completed accurately and timeously, ie reporting to Executive Committee, Executive Credit Committee, General Manager: Corporate and /or other bank departments. 
• Review Pipeline info Update of Monthly reports ie Trade Reviews; Special Mention (SM); Insurance; Other Conditions (OC) and Covenants.

Risk Management

• Assists Corporate Manager in addressing risk management issues iro Trade Reviews; Special Mention; Insurance; Other Conditions and Covenants.
• Allocate and manages tasks assigned to Credit Analysts in the management of Trade Reviews; Special Mention; Insurance; Other Conditions and Covenants.

Requirements

QUALIFICATIONS

• Relevant Accounting / Finance degree

PREFERRED EXPERIENCE

• At least 2 years’ experience in Credit / Sales environment either as Credit Manager /  Credit Analyst