Job Openings at Al Baraka Bank South Africa

New and Existing Customer Relationships

• Grows the Banks Advances book by sourcing new clients as well as servicing existing clients by offering them additional financing/services.
• Requests for financial information and other supporting documentation from the client in respect of finance transactions
• Receives documents from clients and facilitates the application process.
• Peruses or prepares the credit report and amends where necessary before signing off.
• Submits the application to the CODA department for scanning of the document and forwarding to the Executive Credit Committee for approval
• Addresses queries raised by the Executive Credit Committee in respect of the finance deal in order for it to be approved
• Instructs the relevant department or persons to prepare the approval letter for signature.
• Receives acceptance of this letter from the client and facilitates the preparation of legal documents and arranges the subject to documents from the clients.
• Visits the client to arrange for signature of documents; addresses any queries and explains the process
• Visits existing clients bi-annually in addition to regular telephonic contact with the client
• Ensures Trade and Asset reviews are completed timeously by following the required process.
• Ensures that deals in progress (pipeline) are updated regularly.

Credit Administration

• Ensures that all credit requirements are met timeously thereby contributing towards customer service excellence
• Signs off correspondence to third parties i.e. letters to landlords, accountants and alike
• Ensures that relevant Shariah documents are signed off

 Arrear Management

• Liaises with the Arrears Officer for identification of clients that are in arrears
• Contacts the client in order to make payment arrangements
• Monitors the arrear report on a weekly basis to track whether clients are meeting their repayment arrangements  
• Endeavors to maintain arrears below 1% of the gross advances

Sales and Marketing

• Grows the Banks Advances book by sourcing new clients as well as servicing existing clients by offering them additional financing/services.

Client Relationship Management

• Develops constructive and cooperative working relationship with clients, and maintaining them over time
• Provides an efficient and effective service to all clients at all times in order to promote the Banks services
• Manages/Handles difficult client queries via face-to-face communication with walk in clients or by visiting clients and addresses client concerns by listening to any concerns/complaints in an efficient and appropriate manner in line with the professional image of the bank and providing an effective solution to the benefit of both the bank and the client

Requirements

QUALIFICATIONS

• A BCom degree or Relevant Qualifications will be required in order to meet the requirements of the role at the highest level of competence 
• The incumbent must also be Financial Advisory and Intermediary Services Act(FAIS) compliant

PREFERRED EXPERIENCE

• Minimum of 5 years’ experience within a financial services institution in a Sales position.
• General banking experience would be an advantage

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Treasury Administration

• Oversees teller and treasury cash operations, ensuring accuracy and compliance.
• Manages cash ordering and clearance, foreign currency handling, and secure item control under dual custody. Performs daily balancing, reconciliation, and monitors teller cash discrepancies and deposits.

Foreign Exchange

• Conducts full Foreign Exchange operations per policy and exchange control rules. Manages currency availability, suspense account resolutions, and system authorisations.
• Handles end-of-day balancing and daily reporting via GTS.

 Incoming Debit Orders

• Processes and authorises new, amended, and suspended debit orders.
• Manages related client queries, handles rejections, and ensures cancellation of debit orders when required.

 Profit Instructions

• Authorises and processes profit instructions and related EFTs.
• Ensures accurate updates for GDA accounts, checks maturity payments, and verifies customised fees and schedules on multiple systems.

 Pledges

• Processes pledges in IMAL, maintains pledge records, updates third parties, and ensures proper documentation and recordkeeping of credit-linked pledges.

Transactional Banking Administration

• Authorises and processes internet banking, debit card, and transactional activities.
• Handles reversals, profile changes, and account maintenance. Manages dormant account follow-up and ensures compliance across systems.

General Branch Administration

• Supervises branch staff and daily operations, ensuring customer service excellence and compliance.
• Oversees EFTs, transactions, complaints handling, FICA compliance, and manages branch supplies, key registers, and client correspondence.

 Staff Management

• Leads and supports the Banking team through coaching, leave management, training coordination, and performance reviews.
• Collaborates with HR on recruitment and disciplinary actions.

 Risk & Compliance Management

• Ensures adherence to all internal controls and regulatory policies.
• Addresses audit findings, mitigates operational risk, and contributes to a compliant, risk-managed branch environment.

Requirements

QUALIFICATIONS

• A BCom degree or Relevant Qualifications will be required in order to meet the requirements of the role at the highest level of competence

PREFERRED EXPERIENCE

• A minimum of 5-7 years of General banking experience with at least 2-3 years in a supervisory capacity.