Specialist: Monitoring and Reviews - Polokwane at Land Bank Careers

MAIN PURPOSE OF THE JOB

• The primary purpose of this role is to manage and monitor client accounts, ensuring compliance with bank policies and regulatory requirements.
• This involves tracking and following up on loan conditions, insurance, and instalment payments; maintaining and updating account management systems; conducting financial analyses; and managing risk events.
• The role requires effective communication with clients, resolving queries and complaints, and collaborating with various stakeholders to provide insights and enhance credit granting processes.
• Additionally, the role includes responsibilities such as overseeing special mortgage interest concessions, facilitating refunds, handling legal escalations, and ensuring accurate and timely reporting.

Key Performance Areas    

Proactive Portfolio Monitoring Management

• Diaries required activities monitoring client accounts in accordance to prescribed policies, processes and procedures and follow up of loan conditions;
• Follow up on insurance ceded to the bank.
• Update of the Account Management System (AMS) on SAP and Excalibur with comprehensive details on account actions and reclassify account to the correct status as and when the status changes.
• Implement and monitor cession payments and facilitate refunds where surpluses occur.
• Attend to the reviewing of special mortgage interest concessions as prescribed by policy.
• Attend to the reviewing of special mortgage interest concessions as prescribed by policy.
• Client risk rating and KYC.

Monitoring of the expected Instalment due

• Draw list of expected instalments from the IT system 3 months in advance.
• Verify instalment amounts to ensure correctness and rectify if needs be.
• For final instalments; verify calculations and ensure cancellation costs have been included.
• Provide Relationship Bankers with list of NOP’s.

Conduct Financial Analysis

• Obtain the man.
• Obtain the Management Accounts/ audited financial statements as per the loan conditions timelines and enable the Client Analyst.
• Utilising the catalogue of early warning signals, risk tools as well as the agronomical assessments obtained from the Specialist: Agricultural and Advisory Support; identify signs of distress and report Provincial Head.

Adhoc functions

• Attend to settlement and guarantee requirements on request from client and/or representatives.
• Attend to refund of overpayments as per the Delegation of Powers.
• Compile endorsements for uncleared payments.
• Interaccount transfers where necessary.

Drive and ensure adherence to the governance, risk & controls and management thereof in line with the Land Bank’s Risk & Compliance Framework

• Maintain customer account information on the bank’s systems in line with the Bank’s current records management policy.
• Compile various reports as required for the different governance structures and obtain sign-off and approval from Specialist before sending out reports.
• Maintain the relevant systems as required – SAP,OnBase, Escalibur etc.
• Ensure compliance to bank policies as well as legislation.

Manage Stakeholder Relationships

• Query/Complaint Resolution
• Resolve client enquiries, queries and complaints within the agreed timelines in line with the customer charter.
• Attend to walk-in clients.
• Ensure continuous engagement with service providers including attendance and/or participation in the relevant forums as applicable to ensure a hands-on approach and effective collaboration.
• Provide insights to credit on reasons for defaults and litigation to assist enhancement of credit granting provisions, use of risk indicators and reduction of errors.
• Ensure all communication with clients is clearly documented through responsible tasks leveraging Escalalibur.

Preferred Minimum Education and Experience    

• 3 year Bachelor degree/or advance diploma
• 3 to 5 years' experience in:
• Banking
• Account Management / Client portfolio management
• Debt recovery /Collections
• Business / Credit Analysis
• Financial Analysis/Spreading

Critical Competencies    

• Communication
• Interpersonal
• Administrative
• Decision Making
• Analytical
• Customer Focussed
• Problem solving
• Reporting
• Negotiation
• Computer Literacy
• Credit Process
• Risk Management
• Additional Requirements    
• Travel as and when required.
• Extended hours as and when required.
• Valid SA Driver’s License

Closing Date    

• 2025/06/20