Credit Officer (RB5) Mariental Branch Listing reference: capbw_002588 Listing status: Online Apply by: 22 July 2025 Position summary Industry: Banking Job category: Banking, Finance, Insurance. Stockbroking Location: Mariental Contract: Permanent EE position: No Introduction Effective administrative management of the credit facilities in compliance with the Bank’s credit policy and procedures and containment of credit risk as per BSC. Job description

Key Performance Areas (KPAs)
1. Customer Focus1.1 Responsible for ensuring that clients are handled in a professional manner, the information provided is correct and clients are correctly referred.1.2 Client relationship management for loan accounts
2. Sales Focus2.1. Responsible for identifying cross-selling opportunities and to refer such opportunities and leads to the sales area.
3. Credit Administration3.1 Evaluation of credit applications, with reference to risk factors:3.1.1 Financial analysis3.1.2 Financial structuring3.1.3 Credit evaluation and assessment3.1.4 Collateral3.2 Ensure all applicable documentation for credit applications are received from sales.3.3 Responsible to ensure that documents for entry are completed correctly with the required authorisation and signatures.3.4 Monthly/quarterly/annual revision of account exposure3.5 Daily referral processes3.6 Excess memorandum submitted to centralised Credit Office3.7 Responsible for ensuring that differences between source documents and the system are corrected and that lists are filed.3.8 Responsible to ensure that costs are recovered in accordance with the prescribed guidelines.3.9 Achieving credit control assessment targets / audit.3.10 Completion of all applicable documentation for overdraft facilities: existing customers.3.11 Aftercare for all collections.
4. Expertise4.1. Adequate knowledge of Banks products and services, as well as credit principles
5. Conduct5.1. Abide by and uphold the Banks “code of conduct” regarding: professionalism, commitment, reliability, confidentiality, brand loyalty, behaviour in public discipline, etc
6. Other dutiesWilling to perform any other reasonable and lawful duties assigned by the management
Core Competencies:• Customer focus • Delivering Results and meeting customer expectations• Planning & Organising • Assertive• Interpersonal Sensitivity• Problem Solving and Analytic• Insight/understanding • Ability to work well under pressure• Friendliness• Quality conscious • Communicating orally/written• Teamwork• Reliability• Resilience

Minimum requirements

Experience/Knowledge & Skills• At least 2 years general banking experience • Knowledge of Products and Services• Knowledge of Business & Administration Procedures• Knowledge of Credit principles• Computer literacy essential (Word, Excel)• Good Leadership skills• Excellent interpersonal relationship skills• Skill in analyzing and evaluating financial information.• Passion to work with numbers QUALIFICATIONGrade 12A Credit Diploma will be an advantage