Job Description

Ensures accuracy of product, limits, collaterals, pricing, fees, and conditions, by reviewing and updating credit advances documents, so as to ensure all requirements are met. The role also prepares and releases documents via SigniFlow or SharePoint, verifies signed documents for completeness, and reviews subjective conditions such as fee recovery and FICA approvals before facility establishment/utilization. By delivering efficient advances processing to all business units, promoting excellent client service. Queries to be managed via escalation to the Credit Administration Manager or relevant business units. The role also entails management of staff.

FUNCTIONS OF THE JOB INCLUDE:

PRE-PAYOUT/ESTABLISHMENT OF iMAL FACILITIES/ iMAL DEALS

Select and process finance applications via Apply for Finance Portal, iMAL Applications, iMAL Facilities, and iMAL Deals using SharePoint Technical Advances Support Log. Review decisions and applications to ensure accuracy of limits, product, pricing/profit markup, collateral, fees, data capture, grouping, and account creation before approval on the applicable processing system. Issue offers and final approvals on iMAL after completing reviews and coordinating enhancements/updates with Tech Team/Business Units. Extract and update approval letters/quotations, update with additional conditions, and upload finalized documents to SigniFlow and/or SharePoint Technical Advances Support Log. Set-up/Create signing requirements on Signiflow as per approved Mandates. Confirm accuracy of signing requirements on Signiflow. Release of documents via Signiflow. Update SharePoint logs to reassign applications to the responsible Business Unit. Review customersigned approval letters as acceptance and process to final approval on iMAL, generating facility number/s for further processing. Extract and verify supporting documents such as trust resolutions, beneficiary consents, and resolutions against source documents (CIPC, Trust Deeds, etc.). Conduct collateral reviews and approve collateral updates on iMAL. Verify accuracy of facilities and deals in iMAL FMS and IIS, review accuracy of fees, product, term, profit markup, securities, and data against source documents like tax invoices and valuation reports, etc. Coordinate updates with Business Units or Tech Team, review changes on the applicable processing system, and approve facility. Coordinate updates with Business Units or Tech Team, review changes on the iMAL IIS system , and process with document extraction. Ensure Shariah compliance for all advance product facilities and deals before releasing documents. Processing establishment of performance guarantees. Process and establish Foreign Exchange contract facilities.

PAYOUT/ESTABLISHMENT OF iMAL FACILITY/ iMAL DEAL

Verify documents received from Business Units are correctly signed, complete, and meet all requirements. Review FICA Approval confirmation uploaded to the SharePoint Technical Advances Support Log prior to facility establishment and/or payout. Ensure fees and deposits are collected and correctly allocated to Fee/GL accounts before processing of facilities/deals. Check Shariah checklist for motor vehicle and equipment payment requests (ensure correct checklist is utilised). Ensure Shariah compliance of all advance facilities/deals prior to facility establishment and/or payout. Verify Credit Committee conditions are met before processing facilities/deals, refer queries to Business Units. Process instructions from Business Units for facility establishment and/or deal payouts within agreed timeframes to support customer service. Forward property finance payouts to Conveyancing. Review insurance confirmations for motor vehicle and equipment deals meet requirements. Notify Insurance Desk of delas to be updated onto register for review. Review accuracy of not finalised deals for finalisation process to be initiated by Business units. Process all payment requests promptly and accurately.

POST PAYOUT

Review completeness of security documents, sign off Shariah checklists, and ensure timely dispatch to Conveyancing.

OTHER CONDITIONS LOG

Create or update log items when processing payments, bond registrations, or facility/trade reviews. Update status monthly to show outstanding conditions for all items in the log. Review submitted items and flag them appropriately based on findings. Oversee monthly log reviews to ensure correct status and staff action on all items. Action enhanced email notifications promptly, as the Other conditions Log is monitored for Compliance Ensure staff manage requirements on Other conditions Log for the division to not exceed 20 logs for weekly processing.

COVENANT LOG

Create or update log items when processing payments, bond registrations, or facility/trade reviews. Update logs during facility reviews, ensuring prior compliance decisions are uploaded by Business Units as an audit trail. Maintain logs to reflect covenant compliance and update status based on branch updates. Change status monthly to highlight outstanding conditions across all log items. Review and flag submitted items according to findings. Oversee monthly log reviews to ensure accuracy, correct status, and timely action by Credit Admin staff.

ASSET REGISTER

Create new log items for revolving asset facilities. Manage utilisation and expiry by updating items during reviews, cancellations, extensions, or expiry. Upload signed facility letters at establishment, annual review and amendments/changes. Maintain and update data fields at establishment, annual review and amendments/changes to ensure accuracy.

ANNEXURE A LOG (2

nd

Sale - Musharaka - Sharepoint Log)

Review and sign off property Shariah checklists prepared by Credit Admin Officers to ensure accuracy and completeness. Ensure monthly update of 2nd Sales schedule on SharePoint Log with applicable data from debtors listing.

DIARY UPDATES

Update diary entries to reflect payments, bond instructions, and trade facilities pending receipt from Business Units, or note when no dispatch is expected. Record and manage Not finalised deal payment/s. For Development facilities, schedule to be maintained to manage the process and monitor progress Oversee monthly diary submission for MANCO meetings.

DOCUMENTS

Receive, verify accuracy and completeness of documents received from Business Units. Sign off bank agreements on behalf of the bank, where applicable. Update diary records with documents received and dispatched to Conveyancing. Dispatch documents to Conveyancing for scanning and safekeeping. Ensure staff comply with all process requirements.

CASH COLLATERAL

Prepare or request pledge memos for new pledges or amendments. Update and maintain the pledge register with all new pledges, amendments, or releases. Review and sign off pledge memos before submitting to Banking divisions for processing. Conduct biannual review of pledged funds. Ensure staff comply with process requirements.

GUARANTEES

Prepare legal documents required to establish property and performance guarantees. Verify guarantee documents from Business Units is correctly signed and complete. Dispatch original documents to Conveyancing. Ensure funds are transferred to the Investment Transaction account for processing by Conveyancing.

ARREARS MANAGEMENT

Oversee arrears management to ensure effective control of due amounts and overdue accounts. Maintain arrears within performance targets. Review and submit legal handovers. Report highvalue arrears weekly to relevant Credit committee. Manage Non Performing Assets within approved benchmark.

STAFF SUPERVISION

Manage credit administration function and arrears function to ensure efficiency of daily operations. Review and update job descriptions regularly to keep roles aligned with requirements. Conduct PDP review process in line with the Bank's policy. Oversee staff leave in accordance with HR policy. Daily management of CAH Administration function to ensure operational deliverables are processed efficiently. Identify training and development needs to support staff growth. Maintain operational efficiency by ensuring staff actively assign, process, and clear log items daily.

GENERAL ADMIN DUTIES/OTHER

Monitor Advances Technical Support Log to ensure operational efficiency. Review and approve collateral updates and facility changes on the iMAL system. Support projects by managing applicable with credit documents, testing, reviews, arrears,and user training until rollout. Manage post go live requirements. Manage and coordinate project deliverables within assigned timelines. Oversee monthly MANCO requirements and ensure timely submissions. Maintain effective internal controls. Manage Audit requirements. Support Business Units. Manage/process general assigned administrative tasks Conduct ongoing review of processes with view to implement enhancements to improve operational efficiency and manage Operational risk.

PREFERRED EXPERIENCE

Matric Relevant Accounting/ finance degree Credit Administration experience of 3 to 5 years in Financial Services Industry Any other pertinent qualification

SKILLS REQUIRED

Attention to detail Good Communication skills (written and verbal) Efficiency and time management Ability to work under pressure Deadline driven and process orientated Ability to prioritize tasks Accuracy Organisational ability Computer literacy Confidentiality Professional Confidentiality AI & Robotics




Albaraka Bank is an Equal Opportunity Employer. Applicants from the previously disadvantaged groups and people with disabilities will be given preference

UNCTIONS OF THE JOB INCLUDE:

PRE-PAYOUT/ESTABLISHMENT OF iMAL FACILITIES/ iMAL DEALS

Select and process finance applications via Apply for Finance Portal, iMAL Applications, iMAL Facilities, and iMAL Deals using SharePoint Technical Advances Support Log. Review decisions and applications to ensure accuracy of limits, product, pricing/profit markup, collateral, fees, data capture, grouping, and account creation before approval on the applicable processing system. Issue offers and final approvals on iMAL after completing reviews and coordinating enhancements/updates with Tech Team/Business Units. Extract and update approval letters/quotations, update with additional conditions, and upload finalized documents to SigniFlow and/or SharePoint Technical Advances Support Log. Set-up/Create signing requirements on Signiflow as per approved Mandates. Confirm accuracy of signing requirements on Signiflow. Release of documents via Signiflow. Update SharePoint logs to reassign applications to the responsible Business Unit. Review customersigned approval letters as acceptance and process to final approval on iMAL, generating facility number/s for further processing. Extract and verify supporting documents such as trust resolutions, beneficiary consents, and resolutions against source documents (CIPC, Trust Deeds, etc.). Conduct collateral reviews and approve collateral updates on iMAL. Verify accuracy of facilities and deals in iMAL FMS and IIS, review accuracy of fees, product, term, profit markup, securities, and data against source documents like tax invoices and valuation reports, etc. Coordinate updates with Business Units or Tech Team, review changes on the applicable processing system, and approve facility. Coordinate updates with Business Units or Tech Team, review changes on the iMAL IIS system , and process with document extraction. Ensure Shariah compliance for all advance product facilities and deals before releasing documents. Processing establishment of performance guarantees. Process and establish Foreign Exchange contract facilities.

PAYOUT/ESTABLISHMENT OF iMAL FACILITY/ iMAL DEAL

Verify documents received from Business Units are correctly signed, complete, and meet all requirements. Review FICA Approval confirmation uploaded to the SharePoint Technical Advances Support Log prior to facility establishment and/or payout. Ensure fees and deposits are collected and correctly allocated to Fee/GL accounts before processing of facilities/deals. Check Shariah checklist for motor vehicle and equipment payment requests (ensure correct checklist is utilised). Ensure Shariah compliance of all advance facilities/deals prior to facility establishment and/or payout. Verify Credit Committee conditions are met before processing facilities/deals, refer queries to Business Units. Process instructions from Business Units for facility establishment and/or deal payouts within agreed timeframes to support customer service. Forward property finance payouts to Conveyancing. Review insurance confirmations for motor vehicle and equipment deals meet requirements. Notify Insurance Desk of delas to be updated onto register for review. Review accuracy of not finalised deals for finalisation process to be initiated by Business units. Process all payment requests promptly and accurately.

POST PAYOUT

Review completeness of security documents, sign off Shariah checklists, and ensure timely dispatch to Conveyancing.

OTHER CONDITIONS LOG

Create or update log items when processing payments, bond registrations, or facility/trade reviews. Update status monthly to show outstanding conditions for all items in the log. Review submitted items and flag them appropriately based on findings. Oversee monthly log reviews to ensure correct status and staff action on all items. Action enhanced email notifications promptly, as the Other conditions Log is monitored for Compliance Ensure staff manage requirements on Other conditions Log for the division to not exceed 20 logs for weekly processing.

COVENANT LOG

Create or update log items when processing payments, bond registrations, or facility/trade reviews. Update logs during facility reviews, ensuring prior compliance decisions are uploaded by Business Units as an audit trail. Maintain logs to reflect covenant compliance and update status based on branch updates. Change status monthly to highlight outstanding conditions across all log items. Review and flag submitted items according to findings. Oversee monthly log reviews to ensure accuracy, correct status, and timely action by Credit Admin staff.

ASSET REGISTER

Create new log items for revolving asset facilities. Manage utilisation and expiry by updating items during reviews, cancellations, extensions, or expiry. Upload signed facility letters at establishment, annual review and amendments/changes. Maintain and update data fields at establishment, annual review and amendments/changes to ensure accuracy.

ANNEXURE A LOG (2

nd

Sale - Musharaka - Sharepoint Log)

Review and sign off property Shariah checklists prepared by Credit Admin Officers to ensure accuracy and completeness. Ensure monthly update of 2nd Sales schedule on SharePoint Log with applicable data from debtors listing.

DIARY UPDATES

Update diary entries to reflect payments, bond instructions, and trade facilities pending receipt from Business Units, or note when no dispatch is expected. Record and manage Not finalised deal payment/s. For Development facilities, schedule to be maintained to manage the process and monitor progress Oversee monthly diary submission for MANCO meetings.

DOCUMENTS

Receive, verify accuracy and completeness of documents received from Business Units. Sign off bank agreements on behalf of the bank, where applicable. Update diary records with documents received and dispatched to Conveyancing. Dispatch documents to Conveyancing for scanning and safekeeping. Ensure staff comply with all process requirements.

CASH COLLATERAL

Prepare or request pledge memos for new pledges or amendments. Update and maintain the pledge register with all new pledges, amendments, or releases. Review and sign off pledge memos before submitting to Banking divisions for processing. Conduct biannual review of pledged funds. Ensure staff comply with process requirements.

GUARANTEES

Prepare legal documents required to establish property and performance guarantees. Verify guarantee documents from Business Units is correctly signed and complete. Dispatch original documents to Conveyancing. Ensure funds are transferred to the Investment Transaction account for processing by Conveyancing.

ARREARS MANAGEMENT

Oversee arrears management to ensure effective control of due amounts and overdue accounts. Maintain arrears within performance targets. Review and submit legal handovers. Report highvalue arrears weekly to relevant Credit committee. Manage Non Performing Assets within approved benchmark.

STAFF SUPERVISION

Manage credit administration function and arrears function to ensure efficiency of daily operations. Review and update job descriptions regularly to keep roles aligned with requirements. Conduct PDP review process in line with the Bank's policy. Oversee staff leave in accordance with HR policy. Daily management of CAH Administration function to ensure operational deliverables are processed efficiently. Identify training and development needs to support staff growth. Maintain operational efficiency by ensuring staff actively assign, process, and clear log items daily.

GENERAL ADMIN DUTIES/OTHER

Monitor Advances Technical Support Log to ensure operational efficiency. Review and approve collateral updates and facility changes on the iMAL system. Support projects by managing applicable with credit documents, testing, reviews, arrears,and user training until rollout. Manage post go live requirements. Manage and coordinate project deliverables within assigned timelines. Oversee monthly MANCO requirements and ensure timely submissions. Maintain effective internal controls. Manage Audit requirements. Support Business Units. Manage/process general assigned administrative tasks Conduct ongoing review of processes with view to implement enhancements to improve operational efficiency and manage Operational risk.

PREFERRED EXPERIENCE

Matric Relevant Accounting/ finance degree Credit Administration experience of 3 to 5 years in Financial Services Industry Any other pertinent qualification

SKILLS REQUIRED

Attention to detail Good Communication skills (written and verbal) Efficiency and time management Ability to work under pressure Deadline driven and process orientated Ability to prioritize tasks Accuracy Organisational ability Computer literacy Confidentiality Professional Confidentiality AI & Robotics




Albaraka Bank is an Equal Opportunity Employer. Applicants from the previously disadvantaged groups and people with disabilities will be given preference in line with the EE Plan.