Development Bank of Namibia
Reporting to the Manager: SMEs, the SME Analyst is responsible to assess SME applications and to continuously monitor, evaluate and maintain the SME portfolio in order to effectively and professionally manage expectations of clients.
KEY PERFORMANCE AREAS
Assist clients by providing them with relevant loan applications forms for completion andexplain the application and the approval process to them either telephonically or during a consultation.
Perform due diligence on loan applications by applying standard tools according to the Bank’s risk rating model.
Prepare an appraisal report, make recommendations for consideration by the Manager: SME Finance and present the appraisal report to MCIC.
Perform the administrative tasks such as preparing decline letters, loan agreements and variation reports, tracking the signing process of the loan agreement, and opening the client accounts.
Liaise with the clients in order to sign the approved loan agreement, explain the content of the approved loan agreement to the client and collect all the necessary documentation fromthe client and submit it to the Collateral Administration Unit.
Maintain sound client relationships, including preparation of disbursement requests andclient refunds due to overpayment, performing site visits and resolving client account relatedqueries.
Monitor client accounts on a monthly basis for arrears, remind clients of overdue payments,perform investigations where necessary, prepare recommendations or comments on howto proceed with arrear accounts and liaise with the Workout and Recovery Unit with regardsto collections.
Maintain data on loans and economic factors and supply to various users upon request.
Generate standard and ad hoc reports as delegated by the Manager: SME Finance, including pipeline reports.
EDUCATION, EXPERIENCE AND SKILLS
A relevant Diploma in Finance, Economics, Business Administration or Commerce (NQF Level 6).
A minimum of two years’ work experience in the banking industry with exposure to working in client relations.
A valid Driver’s License.
The ability to independently conduct financial modeling and apply financial analytical techniques.
Sound credit and risk analysis skills.
Sound communication skills (both verbal and written).
Sound interpersonal sensitivity and ability to work in teams.
Attention to detail and sound analytic and evaluation abilities.
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