Supervisor, Secured Lending – Botswana Savings Bank

Core Accountabilities and Responsibilities

1. Manage and grow the secured lending book across vehicle asset finance and mortgage loans in line with organisational targets.
2. Supervise and coach the Secured Lending Administrators, ensuring capacity, competence and adherence to service standards.
3. Engage stakeholders across the entire secured lending value chain, including dealerships, valuers, conveyancing attorneys, insurers and internal departments, to ensure smooth loan origination and disbursement.
4. Ensure all client and stakeholder queries relating to secured lending are attended to promptly and satisfactorily.
5. Monitor and drive growth of the secured lending balance sheet, tracking portfolio performance against targets.
6. Work with Marketing to market the secured lending value proposition and drive uptake of vehicle finance and mortgage products.
7. Identify opportunities for continuous improvement of the secured lending product suite and recommend enhancements to the Manager, Sales and Product Development.
8. Ensure compliance with credit policy, regulatory requirements and internal controls across all secured lending transactions.
9. Conduct regular training for internal stakeholders and front-line staff on secured lending products, processes and requirements.
10. Monitor loan quality, arrears and impairments within the secured lending book, and implement corrective action where required.
11. Prepare and submit periodic reports on secured lending performance, pipeline and portfolio quality to the Manager, Sales.
12. Liaise with Credit and Legal divisions to resolve documentation, valuation and title/registration matters affecting loan disbursement and security perfection.
13. Support audit and risk review processes for the secured lending portfolio, ensuring clean audit outcomes.

Position Requirements:

Qualifications:

• Bachelor’s degree in accounting, Finance, Banking or related field
• A relevant professional qualification or postgraduate study would be an added advantage.

Experience:

• Three (3) to five (5) years’ experience in secured lending, asset finance, or mortgage lending within a retail bank or other financial institution, including exposure to a supervisory or team-lead capacity.

Competencies:

• Credit and risk analysis
• Relationship management and stakeholder engagement
• Training and coaching
• Sales and business development orientation
• Attention to detail and compliance focus
• Communication, impact and influence