Job Description

We are a leading financial institution, a key player in the Maltese market and part of a highly diversified multi-national group of companies. Employing a team of over 270 employees, the Bank offers a full range of lending and savings solutions to both personal and business customers. We strive to offer a highly personalised service through our network of thirteen retail branches spread across the Maltese Islands.We are a team of inspired people who believe that opportunities start with a conversation. Duties & ResponsibilitiesYou will be responsible for:

• ensuring accurate and timely execution of work related to Credit Operations;
• checking of daily updating of systems / reports in regards to Credit Agreements issued to Customers;
• checking of daily incoming Bank Guarantees that need to be issued / amended / extended or cancelled;
• handling / checking of daily standing order report to make sure that no insuarnce policy lapses;
• handling / checking the pledging of Life and Building Policies as well as shares & bonds;
• analysing and challenging bank architect reports and updating information on the Bank’s database system;
• checking the perfection of securities & conditions prior and post contract & updating the Bank’s database systems;
• checking of incoming House Authority reports requests;
• checking letters issued on a daily basis to customers;
• replying to relevant Jira’s to make sure that SLA’s are met in a timely manner;
• relasing of any collaterals that need to be released for fully repaid facilities;
• processing / Checking daily loan drawdowns, Factoring, Invoice Discouting & B.O.E received,
• completing end of month Central Bank Reporting & other regulatory reporting as required;
• checking of any relevant fees that may be due on a daily basis;
• checking of initial collateral data such as Insurance policy and Bank Guarantees forms data on the Bank’s Collateral systems;
• signing of A signature on Bank drafts and any other Bank supported documents;
• effectively supporting the manager responsible for the unit in the daily tasks and providing general support as may be required;
• implementing and monitoring best practices that are issued from time to time;
• maintaining a good and healthy working relationship with all internal and external parties including the Bank’s and customers’ architects, other banks and notaries being strategic partners in the unit’s activities; and
• challenging existing policies and procedures and suggest changes and / or improvements based on first-hand experience.

SkillsThe potential candidate should be a reliable and trustworthy team player with an aptitude for learning, able to work in a dynamic environment, meticulous and organised in your work.You must:

• have sound knowledge of Microsoft Office applications;
• have 3 or 4 Banking accounting and fundamentals experience;
• have Experience in coordinating activities;
• have good working knowledge of local (Maltese) legislation in respect of credit; and
• have proven track record of working in the operation / management of credit such as the handling of securities, perfection of conditions of sanction and management of loan draw downs.

Knowledge & ExperienceYou must:

• have past experience in a Credit Operations area of a Financial Institution; and
• have a certificate or diploma at MQF Level 5 in Economics, Banking and/or Business Management.

What we Offer

• Ongoing personal development;
• Preferential interest rates on home loans, personal loans and home value loans;
• Comprehensive support for academic advancement through fully subsidized staff study loans;
• Private clinic health insurance coverage, extendable to dependants;
• Life insurance and personal accident cover;
• Free ophthalmic examinations;
• Private counselling sessions in collaboration with Richmond Foundation;
• Additional half-day leave for birthday celebrations;
• Annual performance appraisals and salary reviews;
• €250 annual wellness allowance;
• Complimentary mammogram screenings for female employees aged over 40 and PSA screenings for male employees aged over 40;
• Flexible work arrangements (role permitting); and
• Various corporate discounts.

BNF Bank plc is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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