Fulfillment Officer at Capitec Bank

Purpose Statement
To ensure full compliance with all Credit Sanction requirements before the availment of any approved Credit facilities by:

• Checking the accurate completion and correct signing of all security documentation which has been prepared.
• Creating instructions for all facility availment (Mortgage Bonds, Instalment Finance, Loans, Credit cards, Overdrafts and Temporary Overdrafts, Issuing or payment of Guarantees)
• Receipt, tracking and handover to the Vault Custodian of all original security documentation from Business stakeholders including Bond documents from Attorneys.
• Obtaining the appropriate authorisation for the deferment of required security and the accurate recording and tracking of such deferred items.
• Checking and updating of debit order dates and service fees recovery after payout of loans.

Experience
Minimum:

• 2-5 years in a banking environment.
• 2-3 years experience within securities Fulfillment/Compliance

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational in Grade 12 National Certificate

Qualifications (Ideal or Preferred)
Knowledge

• Knowledge and compliance with Company Policies and Procedures.
• Excellent knowledge of internal banking systems.
• A thorough working knowledge of standardised business banking products.
• Good knowledge of Business and Commercial Banking product offerings.
• Good understanding of Operational Risk
• Good knowledge of all Lending Products offered by the Bank.
• General knowledge and understanding of the Home Loans and Deeds Office process

Skills

• Attention to Detail
• Planning, organising and coordination skills
• Problem solving skills
• Communications Skills

Competencies

• Adapting and Responding to Change
• Adapting and Responding to Change_Acting as a Champion for Change
• Adapting and Responding to Change_Adapting to Change
• Adapting and Responding to Change_Supporting Change
• Adapting and Responding to Change_Working with Ambiguity
• Adapting and responding to change_Working with Diverse Populations
• Coping with Pressures and Setbacks
• Coping with Pressures and Setbacks_Demonstrating Tenacity and Perseverance
• Coping with Pressures and Setbacks_Displaying Confidence and Composure
• Coping with Pressures and Setbacks_Maintaining Work-Life Balance
• Coping with Pressures and Setbacks_Managing Stress
• Delivering Results and Meeting Customer Expectations
• Delivering Results and Meeting Customer Expectations_Championing Customer Needs
• Delivering Results and Meeting Customer Expectations_Delivering High Quality Work
• Delivering Results and Meeting Customer Expectations_Meeting Basic Work Expectations
• Delivering Results and Meeting Customer Expectations_Serving Customers
• Entrepreneurial and Commercial Thinking
• Entrepreneurial and Commercial Thinking_Controlling Costs
• Entrepreneurial and Commercial Thinking_Entrepreneurial Thinking
• Entrepreneurial and Commercial Thinking_Leveraging Opportunities
• Entrepreneurial and Commercial Thinking_Navigating Organisations
• Following Instructions and Procedures
• Following Instructions and Procedures_Accepting Direction
• Following Instructions and Procedures_Following Policies and Procedures
• Following Instructions and Procedures_Managing Meetings
• Following Instructions and Procedures_Managing Risk
• Following Instructions and Procedures_Managing Time
• Following Instructions and Procedures_Working Safely
• Persuading and Influencing
• Persuading and Influencing_Making Convincing Arguments
• Persuading and Influencing_Making a Strong Impression
• Persuading and Influencing_Negotiating Agreements
• Planning and Organising
• Planning and Organising_Coordinating Project Activities
• Planning and Organising_Driving Projects to Completion
• Planning and Organising_Managing Resources
• Planning and Organising_Prioritising and Organising Work
• Working with People
• Working with People_Adapting to Others
• Working with People_Assessing and Understanding People
• Working with People_Attentive Listening
• Working with People_Building and Supporting Teams
• Working with People_Demonstrating Appreciation
• Working with People_Demonstrating Self-Insight and Awareness
• Working with People_Managing from a Distance
• Working with People_Resolving Conflict
• Working with People_Sharing Information
• Working with People_Showing Caring and Understanding
• Working with People_Supporting Coworkers
• Working with People_Teaching

Conditions of Employment

• Clear criminal and credit record