Officer: Drafting Verification at Capitec Bank

Purpose Statement

• To contribute to the Bank’s efforts of maximising revenue and minimising costs through:
• Checking the accuracy and correctness of the Facility Letter and all related security documents as drafted by the Drafting Officers.
• Ensuring that conditions of sanction from the Credit Department are adhered to in respect of all Lending products such as residential or commercial mortgage bonds, building bonds, instalment finance, leases, loans, overdrafts, temporary overdrafts, and merchant loans.
• Ensuring the achievement of the Bank’s business objectives by providing a high level of customer service and satisfaction.

Experience
MINIMUM:

• 3 – 4 years’ General banking experience within mortgage bonds / Instalment Finance / Loan Accounts and specific experience in the preparation of security documents

IDEAL:

• 4+ years’ General banking experience within mortgage bonds / Instalment Finance / Loan Accounts and specific experience in the preparation of security documents 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Accounting - Management Accounting or Commerce

Knowledge
MINIMUM:

• A sound working knowledge of Compliance with Credit Policies and Procedures

A deep understanding of:

• various Loan Products 
• Applicable law relating to Companies, CC’s; Trusts; Partnerships and Individuals 
• Security documentation and processes relevant to securities and credit administration
• Know Your Client, NCA, Companies Act or other applicable legislation 
• Standardised business banking products
• A sound working knowledge of Credit principles and practices, including an understanding of the application of credit securities

IDEAL:

• Understanding of Business Banking credit products

Skills

• Communications Skills
• Planning, organising and coordination skills
• Numerical Reasoning skills
• Attention to Detail
• Interpersonal & Relationship management Skills

Conditions of Employment

• Clear criminal and credit record