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 & Responsibilities

You 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 insurance policy lapses;
• handling / checking the pledging of Life and Building policies as well as shares and bonds;
• analysing and challenging bank architect reports and updating information on the Bank’s database system;
• checking the perfection of securities and conditions both prior and post contract, and updating the Bank’s database systems;
• checking of incoming House Authority report requests;
• checking letters issued on a daily basis to customers;
• replying to relevant service ticketing system (Jira tickets) 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 and Bills of Exchange received; 
• completing end of month Central Bank of Malta 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 guarantee 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; and
• challenging existing policies and procedures and suggest changes and / or improvements based on first-hand experience.

Skills

The 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 - 4 years of banking accounting and fundamentals experience;
• have experience in coordinating activities;
• have good working knowledge of local credit legislation; 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 & Experience

You 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 p.l.c is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.