Job Opportunities at Al Baraka Bank South Africa

CORE PURPOSE OF THE JOB

• To provide support to the Corporate Office in terms of administration tasks including office maintenance to ensure efficiency within the Department.

MAIN FUNCTIONS OF THE JOB
Office Administration

•  Answers all incoming call and handles caller’s inquiries when the need arises.
•  Re-directs calls as appropriate and takes adequate messages when required.
•  Arranges appointments and updates the Corporate Manager and Relationship Managers diary as and when required.
•  Updates Corporate client’s database with regards to the Top clients
•  Requests from the finance department settlement figures as per client request, and logs accordingly once settled
•  Extracts statements as per client requests, and liaise with clients regarding any statement queries
•  Liaises with Conveyancing department in regard to bond cancellations, release of title deed as well as requests release of original logbooks as each deal is settled or requested by client.
•  Requests and follows up on audit certificates and bank confirmations as and when required, and ensures fees are received for same.

Sales Administration

•  Requests and collates FICA information from clients and submits same to the technical support team
• timeously
•  Attends to any debit order queries received, and logs any changes/suspensions with the Advances
• Technical Support Team timeously
•  Assists clients with any deal related queries
•  Logs and attends to any reimbursements and/or reconciliation requests with the Central Ops Debtors
• Team when required
•  Ensures all fees/deposits/settlements are allocated to the correct account by submitting same to BSA
• Allocations team
•  Any allocation queries received from BSA -Central Operations to be attended to
•  Prints all legal agreements and relevant documents pertaining to deals for the respective managers
•  Obtain the relevant transaction details and upload to Advances Technical Support log timeously for all revolving asset facilities and once -off motor vehicle and equipment facilities
•  Ensure all conditions, fees and payments are logged onto the Advances Technical Support
•  Ensure all legal agreements and documents pertaining to deals are signed correctly and dispatched timeously
•  Extract Musharaka Sale of Units document (when applicable) to send to clients and upload onto Credit
• Work Log within 5 days of payout
•  Attends to all valuation quotes and instructions, ensuring all requests are followed up with and recorded on the tracking schedule
•  Reconciles Valuator Statements on a monthly basis and facilitates payments monthly
•  Assists in preparing trade and asset markup letters as and when required the Albaraka Profit Markup changes
•  Ensures maintenance of new Metro file system by ensuring customer information is scanned and placed in file on an ongoing basis (up until all files have been dispatched)

QUALIFICATIONS

•  Matric
•  Relevant Diploma/Degree will be an advantage
•  Computer skills

PREFERRED EXPERIENCE

•  At least 1 years’ experience within a Financial Services institution
•  General banking experience would be an advantage

KNOWLEDGE

•  Microsoft Office at an intermediate level.
•  Bank Procedures.
•  Credit Policies and Procedures.
•  National Credit Act (NCA).
•  Strong administrative skills.
•  Financial Intelligent Centre Act (FICA) policies & procedures.
•  Knowledge in Shariah laws and principles
•  Knowledge on Banks products and services

go to method of application »

CORE PURPOSE OF THE JOB

• To market and sell the Banks asset-based finance products including residential properties, small equipment, and motor vehicle finance for individuals within the respective region and ensure excellent service to customers and adherence to the banks policies and procedures.

MAIN FUNCTIONS OF THE JOB
Finance Administration

•  Prepares Finance advances submissions in terms of procedural guidelines and full compliance with the Banks requirements.
•  Finalises approved deals by following the Banks procedural guideline.
•  Undertakes for invoicing and recovery of all fees due to the Bank.
•  Interacts pro-actively with other departments in order to manage workflow.
•  Updating deals on Computer system as and when required.
•  Attends to all administrative issues required in terms of the Banks policies for all approved deals and interacts with clients to obtain signatures post approval of the finance of a deal.
•  Ensures that all required information from clients are obtained timeously.
•  Facilitation of signing legal agreements at the convenience of the client.
•  Ensures clients are kept in the loop of every stage of their finance transaction and proactively ensure that the process is followed.
•  Assist with the recovery of arrear clients

Sales and Marketing

•  Ensures finance Sales budgets are met.
•  Grows the Banks Finance book in terms of, Residential Property, Small equipment, and Motor Vehicle
• Finance by sourcing new clients as well as servicing existing clients by offering them additional financing/services
•  Acquires new clients by requesting qualified leads from existing clients and leads generated internally
•  Cross selling of all the Banks products by forwarding leads to all relevant departments.

Client Relationship Management

•  Develops constructive and cooperative working relationship with clients and maintaining them over time.
•  Attends to all clients’ financial requests and queries.
•  Provides an efficient and effective service to all clients at all times in order to promote the Banks services.
•  To ensure that motor vehicle applications are submitted within 24 hours.
•  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.
•  Attend client/bank functions as and when required

QUALIFICATIONS

•  A Bcom degree or Relevant Qualifications in Business Management will be required to meet the requirements of the role at the highest level of competence.
•  Driver’s licence is a requirement.
•  Financial Advisory and Intermediary Services Act (FAIS) compliant would be an advantage.

PREFERRED EXPERIENCE

•  Minimum of 3 - 5 years’ experience within a financial services institution in a Sales position.
•  General Banking experience would be an advantage.

KNOWLEDGE

•  Full product knowledge on all the Banks asset-based products
•  iMal
•  Docuware
•  Microsoft Office
•  Bank Policies and Procedures
•  Credit Policies and Procedures
•  Legal Policies and Procedures
•  National Credit Act (NCA)
•  Financial Intelligent Centre Act (FICA)policies & procedures

go to method of application »

CORE PURPOSE OF THE JOB

• To provide for the preparation of Credit proposals required by the Executive Credit Committee, encompassing the analysis of clients’ financial position in order to determine whether or not Finance can be extended for assetsand/or trade.

MAIN FUNCTIONS OF THE JOB INCLUDE:
Credit Proposals

•  Analysis of financial statements and management accounts in order to assess financial performance of applicants as well as guarantor entities which includes preparation of Income Statement, Balance sheetspread and consolidation of Information where applicable
•  Analysis of Value Added Tax (VAT) returns and book debts
•  Research market trends, perform qualitative reviews, corporate ratings and determines affordability of repayments
•  Obtains information on clients’ background, nature of business, location, Management, customer and supplier information
•  Requests Kreditinform report to determine clients Credit history, bank reports and security confirmations if it is related to a trade client
•  Creates a SWOT analysis in order to identify risks associated with clients thus highlights the banks awareness to potential hazards
•  Prepares and updates detailed manual exposure report for Group in terms of security by ensuring securities are correctly loaded, financials are updated on relevant system, qualitative review status is updated, valuations are up to date and follows up on arrears if applicable
•  Provides sensitivity analysis for each application within the proposal
•  Prepares information sheet and requests Trust reviews from Legal department
•  Identifies risks with respect to client and/or Industry and mitigating factors
•  Responds to queries made by Management Credit Committee (MCC), Executive Credit Committee (ECC),
• Board Credit Committee (BCC) and Board of Directors (BOD) relating to the proposal as and when required

Analysis of Book Debts

•  Conducts analysis of book debts on a monthly basis for clients, whose cession of book debts are held as security which entails liaising with clients to determine recoverability of book debt balances that are outstanding
•  Determines updated book debt security amounts and updates on the system
•  Prepares book debt pack schedules which entails security values for each client and risk rating monthly
•  Liaise with clients with regards to book debt queries
•  Responds to queries on the analysis raised by the relevant Committees

Trade Finance Reviews

•  Maintains and updates trade review lists and registers for all trade and revolving asset facilities by updating review dates, level of facilities, ECCM approval dates, date review letter submitted and includes updating for all new clients
•  Maintains and updates tracking schedule which includes clients name, date submitted, purpose of application, ECC date approved/declined, next review date and facility amount approved
•  Maintains and updates outstanding information lists for each application and subsequent follow up

Review Letters

•  Prepares trade review letters requesting financial information from clients and/or the clients accountants for annual trade reviews
•  Follows up on receipt of letters and submission of information on an ongoing basis

General

•  Follows up on financial information required from clients such as financial statements, management accounts, VAT returns, Assets and Liabilities statements, Income and Expenditure statements, Banking details and queries relating to financial statements, etcetera
•  Obtains and reviews FICA documentation for all new and existing clients
•  Completion of the necessary checklist
•  Compiling and maintaining of deal files

QUALIFICATIONS

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

PREFERRED EXPERIENCE

•  A minimum of 2-3 years’ experience in the Finance/ Accounting environment

KNOWLEDGE

•  MS Office
•  Knowledge of the following:
  •  Credit Policies and Procedures
  • Shariah Banking principles
  • Banks’s policies and procedures
  • Basic knowledge on the Banks Products and Services
  • Finance and Accounting

go to method of application »

CORE PURPOSE OF THE JOB

• To market the Bank’s Transactional Banking and International Banking suite of products and services and provides excellent service to customers.

MAIN FUNCTIONS OF THE JOB
Sales and Marketing

•  Responsible for the growth in Transactional Banking balances.
•  Promotes Transactional Banking and International Banking products and services.
•  Responsible for new client Acquisition.
•  Monitoring industry offering with regards to products, services and fees.
•  Proactively monitors client’s usage of Transactional Banking products and provides support on the usage of the product.
•  Represents the Bank at various functions when required.
•  Required to be part of roadshow initiatives.

Client Relationship Management

•  Develops constructive and cooperative working relationship with clients and maintaining them over time.
•  Checks and encourages transactional activity on accounts opened.
•  Attends to Transactional Banking requests and queries.
•  Provides excellent customer service.

Administration

•  Oversees the administrative functions carried out by the Transactional Banking Administration assistants.
•  Ensures Banks procedural guidelines are met.
•  Collaborates with other departments.
•  Ensures that the required Enhanced Due Diligence process is carried out for the respective clients by following the required process.

QUALIFICATIONS

•  A Bcom degree (advantage) or Relevant Qualifications in Business Management will be required in order to meet the requirements of the role at the highest level of competence.
•  Financial Advisory and Intermediary Services Act (FAIS) compliant would be an advantage.

PREFERRED EXPERIENCE

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

KNOWLEDGE

•  Full product knowledge of the Bank’s Transactional banking suite of products
•  Microsoft Office
•  Banking Systems
•  Docuware
•  Consumer Protection Act (CPA)
•  Financial Intelligent Centre Act (FICA)policies & procedures
•  Knowledge of Bank’s Policies and Procedures
•  Fully conversant with the Bank’s digital Transactional Banking offering
•  Knowledge on International Banking

go to method of application »

CORE PURPOSE OF THE JOB

• The purpose of the role is to attend to Teller and Enquiries functions as well as Forex, as and when required, accurately and in keeping with the Bank’s policies and procedures and regulatory requirements. To provide excellent customer service to clients and the relevant Branches within the Region.

MAIN FUNCTIONS OF THE JOB
Teller Processing and Administration

•  Cash deposits and withdrawals
•  EFT and internal transfers
•  Closure of accounts
•  Intersystem transfer (Debit Card to investment account)
•  Investment transfer (investment account to Debit Card)
•  Reversal of fees
•  Ensures daily processed work balances at the end of the working day
•  Ensures that all security procedures are adhered to minimize or mitigate risk
•  Updating of Stats on Sharepoint
•  Reporting of suspicious transactions
•  Scanning of documentation deposits, withdrawals, etc.) and uploading of teller recons
•  Capturing of EFTS
•  Capturing of profit instructions, debit orders, etc

Forex Processing

•  Processing of Forex orders as placed by customers either telephonically via Customer Services or walk-ins
•  Obtains all the necessary documentation including FICA to process the deal.
•  Confirms appointments and the booking of rates for customers
•  Provides client with banking details and amount required for the deal
•  Processes the deal on banking system
•  Attend to all administrative requirements once the deal has been finalised.
•  Ensure compliance with regulations and policies and procedures
•  Ensures that all deals comply with South African Reserve Bank’s (SARB’s) as well as the Banks requirements as per policy and procedure
•  Identifies and reports any suspicious transactions
•  Ensures foreign cash is balanced on a daily basis and locked away at the close of business each day
•  Manages foreign cash limits on a daily basis

Enquiries Administration

•  Assists clients with completion of deposit and withdrawal slips
•  Processes cash and transfer requests by checking available balance, signatures and Financial
• Intelligence Centre Act (FICA) compliancy
•  Attends to early withdrawal requests for walk in clients
•  Provides statements and IT3Bs as and when requested and charges client accordingly
•  Processes and obtains authorisation for ex-branch withdrawals
•  Obtains relevant Fica documents from clients and conducts relevant updates.
•  Assists client with updating of personal information
•  Attends to any queries in relation to all the bank’s products as well as client queries
•  Extract Transactional Banking reports and complies report
•  Issues replacement debit cards to clients
•  Refers clients to respective consultants depending on the nature of the client request
•  Provides and maintains a high level of customer service to customers
•  Handles customer complaints and directs to the relevant departments
•  Management of security items
•  Ensures the Banking hall is neat & presentable at all times
•  Assists clients with registering for Internet Banking and Mobile App
•  Manually inspects front of ATM for any anomalies (security check)
•  Assists with any back-office functions on an ad-hoc basis- projects and tasks

Customer Service

•  Participates in cross sales of the Banks products at all given opportunities
•  Provides an efficient and professional service to clients at all times
•  Ensures that clients queries are attended to professionally and timeously
•  Attends to queries and requests received via email

Compliance

•  Ensures that all functions are carried out in accordance with the Banks internally regulatedprocedures and compliance regulations
•  Ensure identification and verification of the client for all transactions

QUALIFICATIONS

•  Appropriate Banking qualification will be required

PREFERRED EXPERIENCE

•  A minimum of 1-2 years General banking experience or equivalent working experience

KNOWLEDGE

•  Banking systems
•  MS Office

go to method of application »

CORE PURPOSE OF THE JOB

• To fulfil the bank’s obligations in terms of Information Security as highlighted by internal/external audit as well as regulators in line with corporate governance. To monitor information security systems and event logs, investigation of events, research security solutions, assist in policy and procedure development, monitoring of security controls, facilitation of security assessments and advisory services related to organisational systems and projects.

MAIN FUNCTIONS OF THE JOB
Incident Prevention and Response / Security Monitoring:

•  Review of System/Application Security Logs & SOC-SIEM Reports for critical and supplementary systems.
•  Reporting of incidents and events that may warrant further investigation or action.
•  Follow up with relevant staff to ensure that remediation steps and actions have been timeouslyundertaken to mitigate risks.
•  Liaising with the relevant staff/service providers in respect of security incidents/events and ensuring that Risk Event Forms are completed.
•  Assess change requests for security infrastructure such as firewalls, routers, switches.
•  Conduct random inspections on security environment including desktops, laptops, servers, appliances, access points, etc. and providing a report on findings to the IT Security committee.
•  Provide IT Management (weekly & monthly), IT Security Committee (quarterly), IT Steering
• Committee (Bi-Monthly) and EXCO (Monthly) with information security statistics and reports related to SOC-SIEM logs and other system events reviewed, observations and recommendations.

Security Organisation & Infrastructure

•  Assist in documenting the Information Security Organisation relevant to ABL’s environment.
•  Research industry solutions and frameworks that may be used to enhance existing documentation and environment.
•  Security Administration including granting of privileges, provision of access to selected systems, control of system-based profiles including manual password resetting where automated functionality does not exist.
•  Conducting access reviews across all systems by communicating to all Department/Branch heads to ensure adequacy of permissions and access for staff.

Risk & Audit Assessment:

•  Facilitate internal/external reviews of the security environment at least once a year.
•  Assist with assessment of internal / external Audit security observations with supporting details of corrective actions, mitigating factors and preventative measures as appropriate.
•  Ensure status updates and progress of risk and audit issues for IT Management review on a monthly basis with onward submission to relevant committees upon acceptance by IT Management.

Policies & Procedures:

•  Assist in documenting and enhancing ABL information security standards, procedures and guidelines.
•  Communicate and publish relevant documentation for employee access.
•  Conduct independent reviews of policies and procedures on an annual basis using internal and/or external consultants as need

Continuity:

•  Assist in ensuring the security component of BC/DR plans are reviewed and updated frequently (at least once per annum).
•  Participate in BC/DR tests to ensure compliance with security processes.

Training and Awareness:

•  Co-ordinate training and awareness programs for staff at an organisational- wide level through E-Learning tools, E-Mail / Teams Communications, Staff Presentations and publishing of security posters.
•  Report security incidents, risk issues and general security concerns together with recommendations to IT
• Management and IT Committees.

Participation in Forums

•  Attend external Cyber Security meetings as a representative of the bank.
•  Attend IT Security & IT Steering committee meetings in respect of Security related matters.
•  Participate in approved public forums related to Cyber Security ensuring confidentiality and privacy of

corporate information.
QUALIFICATIONS

•  IT Diploma or equivalent IT qualification (N+, A+, Information systems, Informatics) required.
•  MCSE qualification (or studying towards) would be preferred.
•  Cisco Certified Network Associate (CCNA) qualifications (or studying towards) would be advantageous.
•  IT Security certification (or studying towards) required.
•  Auditing qualifications (or studying towards) would be advantageous.
•  Ethical Hacking Certification (or studying towards) recommended.

PREFERRED EXPERIENCE

•  2-3 years relevant experience in IT, Information Security, Auditing or related field.
•  2-3 years in a similar administrative role.
•  Demonstrated experience in related field.
•  Good understanding of business environment is highly regarded.
•  2-3 years of experience in Systems & Network Security operational environment would be advantageous.
•  1+ years of experience working with Cloud-based security environments would be advantageous.

KNOWLEDGE

•  Information Security and Auditing
•  Information Technology
•  Cloud-based technologies would be advantageous.