Rehabilitation & Recoveries Officer, Personal & Private Banking

To provide a comprehensive support service to the Rehabilitation and Recoveries function by exercising effective control and normalise arrear accounts and limit the maturing of arrear accounts into the NPL status; further assist by implementing and improving strategies to ensure that present and future departmental objectives are achieved.

• To manage and control the rectification and clearances of accounts that flow into due to arrears and limiting the ageing of accounts between 0-29 days and roll forwards into stage 2
• Diligently manage the ongoing deliverables in terms of customer visits and recoveries strategies. Maintain and enhance customer service.
• To ensure constant feedback sessions with Management on a weekly basis for progress on arrear account rectification at scheme level and provide constant feedback regarding arrear accounts to Management
• Identifies and manages business risk from both a customer and Bank perspective by ensuring that appropriate control mechanisms are in place and consistently applied to minimise risk exposure.
• Ensures compliance with rules. Regulations and legislation governing the financial services industry. This includes ensuring adherence to the Code of Banking Practice.
• Develops and maintains healthy working relationships with all the relevant parties and key stakeholders, both internal and external to the Bank to ensure co-operative, collective management of a WPB matter.

• First Degree in any Business Field  form a recognised Institute
• Atleast 2 years banking experience preferably in Credit, Rehabilitation and Recovery or Legal departments of a Tier 1 financial institution.
• In depth knowledge of the collection process in order to lead and control team.
• Keen interest in building a career in BS&R/ BCC
• Experience in Credit Control environment and knowledge of collection procedure, bank’s lending products and relevant statutory legislation pertaining to the collection of arrears.
• Sound business savvy and banking knowledge around:accounting and financial principles, generally banking, corporate banking, and Leya! principles related to lending and collateral right

Technical Competencies:

• Active Listening
• Specialist knowledge
• Risk Management
• Difficult Calls Management
• Legal Collections
• Legal Compliance
• Product and Services Knowledge
• Recoveries
• Workflow Management

Behavioural Competencies:

• Good verbal communication skills.
• Ability to negotiate.
• Conflict management
• Cooperation in a team.
• Time management and ability to meet deadlines
• Ability to drive covering long distances