(A) Loan Documentation Manager

Business Unit: Banking 
Division: Tonga 
Department: Credit Control
Leader profile: Supervisory 
Role Reports to (Role title): Credit Leading Manager
Direct Reports (Role titles): 8


Purpose of the role (What the role does; how the role contributes to the team/dept/division goals)

The Loan Documentation Manager works closely with the lending staff and outside vendors to ensure closing documents are produced accurately and in compliance with Bank policy and procedures. The successful candidate will participate in activities to improve efficiencies within the department and the Bank.


Key Accountabilities (Key activities, tasks and outcomes to be achieved)

• Perform check and balance on all transactions to ensure conformance to credit policies.

• Ensure that all relevant documents are compiled and filed under each customer profile.

• Review of draft/ executed financing documents such as letter of offer against approvals.

• Liaise with business units and external parties.

• Performs checks to ensure legal and security documentation are completed, conditions precedent is fulfilled prior to activation of credit facilities, monitoring of conditions subsequent and ensure that the legal and security documents are being customized.

• In charge of preparing letters/ reports, updating of registers and custodians of documents.

• Manage day-to-day business transactions to ensure that the agreed turnaround time with the business is met.

• Process daily loan applications by verifying customer data and checking their legibility.

• Provide all products and services to the Lending Manager to ensure that its a informed decision.

• Ensure accuracy and efficiency for all transactions.

• Ensure all documents are duly filed.

• Ensure all documents are duly backed up and kept for filing purpose.

• Carry our file management and bring up system.

• Control all aspects of credit applications and documents.

• Ensure that the Credit Lending Manager is supported fully in ensuring a smooth process.

• Communicate all decisions made to the relevant parties in a timely manner.

• Maintain all SOPs and ensure that it stays current with trends and changes.

• Provide necessary information to management as and when required.
• Working Relationships (Key stakeholders, clients, customers, suppliers, providers, consultants,

Internal Relationships

• Develop and maintain relationships with peers to ensure effective support and service delivery.

• Build and maintain relationships with staff and key business stakeholders to effectively support them in implementing sales, service, operational, process, and credit quality initiatives, and in the identification of continuous improvement and adherence to processes and requirements.

External Relationships 

• Develop and maintain relationships with community and business contacts to maximise financial services opportunities.

• Build and maintain relationships with local community groups through tailored local marketing plans.

Key job requirements

Qualifications (indicate whether mandatory or desired)

• Tertiary Qualifications in business, commercial or finance are desirable
• Experience (minimum type and level of experience required to perform the role)

• Demonstrated experience in roles requiring credit assessment and retention and growth of a customer base.

• Demonstrated experience in financial services.

Technical Capabilities (skills, knowledge, technical or specialist capabilities)

Skills and Abilities (required capabilities, including level of proficiency)

• Analytical skills ability to develop solutions and courses of action and recommend solutions by using an information base to identify key issues, compare with other data and determine cause-effect relationships.

• Attention to detail accurately checking and processing tasks and showing concern for all aspects of the role.

• Change Management ability to recognise, understand and support need for change and anticipate the impact on both the team and self.

• Commercial Acumen ability to recognise and implement business strategies to drive profitable growth, customer acquisition, customer experience and sales productivity.

• Communication Skills ability to convey and explain information, coherently and confidently both oral and written.

• Credit skills understanding and application of risk analysis, cash flow analysis, portfolio management, evaluation and analysis of profit projections, property valuation, credit mediation, security requirements and credit checking

• Decisiveness ability to make effective decisions in a timely manner.

• Financial skills understanding and application of pricing, margin, expense management, and profitability principles.

• Negotiation skills exploring opportunities with a view to mutual benefit and acceptance.

• Planning and organising skills establishing a process to complete goals (either personal or for others) and allocating appropriate resources to achieve such goals.

• Problem solving ability to seek out information and break down problems and situations into simple lists of components, options or alternatives.

• Rapport Building use interpersonal style to establish and develop relationships.

• Social skills using appropriate behavioural styles to develop relationships and influence others

Knowledge (factual or procedural information needed to perform in the role)

• Demonstrated understanding of the business, market and external environment.

• Demonstrated understanding of Personal Banking and other Banking products and processes.

• Sound understanding and knowledge of Financial Services Legislation requirements.

• Understanding of banking and financial industry principles and regulations.

Additional Requirements

• Some out of hours work required.

• Local travel as appropriate.

Leader Profile Leader profiles describe behavioral expectations at all levels (from Team Member to Strategic Leader) across the Group.

• Clarity of Purpose

• Customer Focus

• Relentless Execution

• Building Great Team

• Simplicity and Agility