Salah Sayarah

• Monitoring credit reports that cover arrears, excesses, and maturities; and liaising with the Relationship Manager to establish what action to take including the preparation of arrears letters.
• Excess report, including any credit decisions emanating for the excess report are actioned in terms of the Organization's Credit Procedures Manual.
• Reports relating to temporary excesses, extension of loan maturity dates are actioned in terms of the Organization's Credit Procedures Manual.
• Liaise with the Credit Department regarding the progress of loan applications.
• Arranging Baycorp Advantage/Veda Credit inquiries and other credit checking procedures.
• Ensuring all conditions have been met prior to settlement.
• Maintenance of the Branch diary for reviews, maturing facilities, reports and returns due.
• Collection of all Loan Fees.
• Reconciliation of Branch Suspense Assets accounts.
• Provide the Relationship manager with continuous support in further developing relationships with clients.
• Completion of post loan approval activities including:
• Letter of Offer Preparation and Issuance and follow up of Letters of Offer issued.
• Ordering and diary for receipt of Valuations and Quantity Surveyors reports as required.
• Instructing the Bank’s Solicitors.
• Advising Relationship Manager of any issues arising relating to a loan approval.
• Compilation and maintenance of the Customer’s Lending File.
• Preparation of drawdown requests for sign off by Relationship Manager.
• Preparation of Branch Certification for sign off by Relationship Manager.
• Follow up of Solicitors Certification and settlement completion

The Customer Service Representative (CSR) is to assist the Customer Service Supervisor grow the business portfolio by cross-selling the Bank’s range of products and provide excellence in service that is in line with ABAL’s strategy and business plans, via:-

• Cross-sell of a range of ABAL’s products and services which maximises the financial return opportunity from the clients.
• Delivery of a level of service that meets/exceeds what the client expects.
• Ensuring all transactions is processed in a timely and efficient manner in line with the Bank’s policies and procedures.

• Utilise strong communication and customer service skills in order to respond to queries and explain product features to customers
• Provide training to a new personnel
• Accurately take delivery of merchandise, invoice and receive payment from customers
• Show commitment and flexibility by performing different tasks as needed
• Correctly record and handle daily cash takings
• Prepare reports including record of daily sales and stock inventory and order merchandise when required

The Retail Relationship Manager (RM) is the customer advocate of a portfolio of clients which generate a financial return that is in line with ABAL’s Strategy, Risk Appetite and business plans, via:-

• Growing client numbers and financial returns within the agreed Strategy and Risk Appetite framework.
• Originating opportunities that provide the optimal risk/reward return.
• Maintenance of risk standards and adherence to the Risk Appetite Statement and Risk Policies and Procedures in a highly competitive and volatile economic environment.
• Proactively managing the growth of client returns as well as the quality of the client risks.
• Maintain a harmonious relationship with the lending and customer service teams to achieve the goals set for the business unit

• Approve counter / account transactions up to his/her limits.
• Monitor on daily basis tellers transactions, ensure that all CSOs are balanced at the end of the day and take the needed corrective actions.
• Identify branch cash needs in coordination with CSOs.
• Coach & train staff reporting to him/her to ensure full awareness of Bank’s products, services and P&P.
• Carry/Handle efficiently custody items, keys as per custodian matrix & relevant P&P.
• Adhere to Branch Operating Model.
• Carry out any task requested by Direct Manager.

• Execute all counter transactions in an efficient manner.
• Handle customer’s requests/inquiries in a professional manner, and refer them to concerned parties whenever needed.
• Carry/handle efficiently custody items, and keys as per custodian matrix and relevant P&P.
• Adhere to Branch Operating Model.
• Carry out any task requested by BM.