Vacancy	Details
Vacancy Number	06/2025
Title	Senior Relationship & Sales Officer, Seaqaqa
Description	PRINCIPAL RESPONSIBILITIES 1. Prequalification and Application • Ensure and enforce timeliness, integrity and accuracy of initial advice and documents acquired as dictated by Bank Policies and Procedures. • Monitor and ensure BMS details are keyed in immediately on payment of application fees. • Screen loan applications received with source documents and allocate to officers for processing. • Ensure all initial relevant searches are completed before submission for appraisal. • Ensure proper inspection and verification of project/collateral offered is carried out. • Ensure any enquiry received (regardless of accepted/discourage) is properly registered and filed for reference in future. 2. Appraisal & Approval • Ensure quality and growth of portfolio through sound credit assessments and lending decisions and recommend approval of applications outside discretion. • Ensure application approvals are aligned to Bank’s Policies and Procedures, environmental sustainability, statutory requirements and economic growth. • Ensure loan decisions are formalised within TAT and data accuracy on BMS • Ensure loan letters prepared are aligned with the decision made. • Ensure BMS details are keyed in immediately upon approval (interest, repayment, Flags, SME details, CRR, approval date and officer). 3. Documentation & Disbursement • Ensure LOL is properly executed by client and acceptance keyed on BMS. • Liaise with relevant stakeholders on validation of source documents/searches and submit same to legal for accurate documentation. • Enforce the timely and proper preparation and execution of relevant documentation as per Bank Policy by relevant parties. • Follow up with Legal and stakeholders on timely completion of stamping and registration of documents. • Make final check on loan letters to ensure it is aligned to BMS details. • Ensure full compliance to pre disbursement conditions and make recommendation for disbursement within appropriate discretionary authority. 4. Monitoring & Supervision • Ensure loan disbursed is used for the purpose for which it was taken and that enterprise is properly established for profitable and sustained performance as per projections. • Ensure appropriate advice and technical assistance is provided to borrower where needed should problems arise throughout the physical development of the project. • Prioritize and plan supervision of accounts in order to direct a higher level of close inspection to those accounts or projects whose performance deviates from the anticipated path. • Ensure loan accounts are reviewed and reported as per policy, identify appropriate action for early warning signal and provide recommendation for existence of project i.e. to restructure or rehabilitate. • Ensure securities and insurance of assets are revalued, renewed and verified in a timely manner and BMS entries are completed on a timely and periodical basis. 5. Recovery • Monitor and measure all loans prudently and implement vigilant arrears follow-up on repayments, reviews, rescheduling, BMS amendments and documentation. • Undertake regular review of loan accounts under NPL and take corrective measures to upgrade accounts as per policy. • Ensure all possible avenues are exhausted in recovery procedure before downgrading. • Liaise with Legal and Asset Management Unit timely and vigorous recovery action once all avenues at Relationship & Sales Unit have been properly exhausted.
Qualification	A Degree in Banking/Accounting/Economics/Commerce or its equivalent from a recognized banking institution.
Experience	Shall have a minimum of five (5) years’ field experience of lending operations. and holds a valid driver’s license (automatic & manual)
Salary	$45,410
Term (Years)	0
Start Date	20/01/2025
End Date	24/01/2025