Duties and Responsibilities

Supervisory duties

• Maintain a highly motivated and well-trained staff. Supervise staff to ensure regular, high standard of performance and engagement.
• Complete performance reviews for all assigned team members within required timeframes.

 Loans, Sales & Service

• Develop and maintain relationships with new and existing customers
• Understand customer needs and assess their borrowing requirements
• Structure and present loan proposals to customers and the credit committee
• Manage the loan process from application to completion
• Build and maintain a strong pipeline of new business opportunities
• Achieve and maintain a high standard of performance through exceeding assigned annual loan/sales targets.
• Co-ordinate and execute loan promotions.
• Perform all duties as required in the underwriting and approval of loans/leases including:

• Preparing loan/lease applications and closing loan documents.
• Interviewing loan applicants.
• Preparing approval and commitment letters
• Verifying the accuracy of loan amounts and repayment terms.
• Approve loan disbursements.
• Conducting site visits as required

• May be required to sign cheques as an approved cheque signatory.
• May be required to sign off on incoming and outgoing security documents.
• Follow up with attorneys on outstanding legal matters to completion
• Maintain and develop existing relationships with customers as well as actively seek out new business.
• Prepares reports as required including the Commitment report.
• Act as departmental representative at meetings with internal and external stakeholders and customers where required.
• Sells/cross sells the organisation’s products and services. Identify referral opportunities and make relevant referrals to assist the branch to meet its objectives.

Regulatory

• Approve the annual review of client files for regulatory purposes.
• Assist the Manager, Capita Financial Services in responding to and addressing any concerns identified in regulatory reports.  
• Act as departmental liaison with regulators, external and internal auditors and Group assurance functions where required.

 Any other duties ancillary or related to the foregoing.

Qualifications and Experience

• Bachelor’s Degree in Finance or Accounting or a related field
• 3 years’ experience in a financial institution working as a Loans Officer
• Supervisory experience would be an asset

Knowledge/Skills and Abilities

• Good written, verbal and interpersonal skills
• Excellent customer service and relationship building skills
• Ability to be flexible and to organise, prioritise and perform multiple tasks
• Advanced Microsoft Office skills with specific focus on Word & Excel