Job Description

Overall Purpose of the Position

Responsible for performing several administrative functions and general banking activities whilst also assuming a variety of credit related tasks to contribute towards the achievement of the overall objectives of the Commercial Business Unit. Able to make minor decisions within the strict parameters set by the Senior Commercial Officer.

Operational Responsibilities

• To be fully versed in the Bank’s General Banking and Commercial Procedures, such as: (1) Credit  Scoring (2) AD15 Excess Reporting (3) Customer Onboarding.
• To assist the Senior Officer/s in the monitoring, controlling, reviewing and servicing of the portfolio of Corporate/ Commercial customers.
• To coordinate consumer credit financing for credit scoring facilities namely personal loans and credit cards.
• To monitor and control the Expired Reviews report for Commercial facilities/exposures and assist in the timely preparation and submission of AD15’s (Excess Reports);
• To assist in the preparation of Credit applications and sanctioning of facilities by inputting data on the Bank’s Loan Processing System
• Assisting customers with requests related to Guarantees and liaising with the Credit Operations Unit accordingly.
• Responsible for the annual Archiving and Destruction exercises and the organisation and cleanliness of the filing room and the general filing of Commercial Business Unit
• Provide an excellent service to customers, attending diligently and in a timely manner to their requests.
• To escalate any risks identified within the operational area of the bank to the Commercial Administration Manager and the Business Risk and Control Manager, so that adequate 
  measures and controls are put in place.
• To be knowledgeable and conversant with the Bank’s General Banking and Advances Products.
• To promote and cross sell the Bank’s products and services and assist customers with the respective terms and conditions to make the most effective use of services.
• To ensure the protection of the Bank's interests through adequate documentation and adherence to the various laws and regulations.
• To adjust errors and to address complaints, when required, subject to authorisation by Corporate/Commercial Relationship Manager and Voice of the Customer

General Responsibilities

• Ambassador of APS Bank and be able to actively promote the brand.
• To ensure high quality/ standard of work and service throughout
• To perform standard office procedures including answering phone calls, replying to customer emails, assisting the Commercial teams in administrative tasks, filing, any other tasks.
• Perform any other duties that may be assigned to him / her from time to time. 
• To follow all the Bank’s policies, guidelines and underlying procedures at all times. 

Qualifications, Skills & Competencies 

Mandatory

 Skills

• Customer driven with strong focus on quality of service.
• Have good verbal and written communications skills.
• Be reliable, organised, meticulous and prepared to work under pressure.
• Be a team player while still being able to work independently when needed with minimal guidance.
• Committed to self-development and enjoy working in a dynamic environment
• Excellent analytical, troubleshooting & interpersonal skills.
• Be computer literate and conversant in MS Office applications.

 Experience

•  Preferably having a minimum of 2-year experience in Commercial Banking

Qualification

• -

Desirable

 Skill

• -

Experience

• -

Qualification

•  Ideally possess or is in the process of obtaining a professional qualification in a relevant area such as banking, finance or related field.

Position level (1 being the highest level)

1. Head of Department
2. Managerial & Specialist Positions
3. Middle Management & Specialist Positions
4. Technical & Clerical Positions