Head Retail Banking  Valuer, Mortgages Officer- Debt Recovery, Mortgages Officer- Business Recovery  The Mortgages Manager will be responsible for profitably underwrite quality mortgage business, ensuring growth in balance sheet and market share by nurturing effective client relationships through the selling, provision of independent appraisal of mortgage products to targeted markets and also ensuring that proposals/applications comply with the Building Societies/Bank Acts, Group�s Credit policy and RBZ prudential lending guidelines 1. Underwrites quality business and grow mortgage book.
2. Contributes to formulation and development of the strategic plan for Mortgages business.
3. Prepares strategy execution plan of Mortgage business, determines and communicates branch performance targets based on approved budget.
4. Negotiates, draws up agreements and manage investment supported Schemes relationships
5. Manages and controls mortgage loans book through systematic approaches to pricing and collection of delinquent accounts.
6. Reviews business reports submitted by subordinates and prepares management reports.
7. Reports to the Board on (1) Loans Review (2) Audit & (3) Risk committees.
8. Trains, develops, coaches and mentors staff in Mortgages business development.
9. Reviews both internal and external audit reports with a view to plugging loopholes in mortgage operations, recommend revision of policies and develop efficient operational procedures.
10. Monitors the implementation of business development initiatives by branches and ensures thorough Credit & Risk assessment.
11. Attends to compliance and/or business development meetings of (1) ZB housing projects initiatives (2) Association of Housing Financiers (3) ZB Retail banking.
12. Ensures timeous response to customer queries.  (Proactive/reactive management of key clients) 80/20 rule.
13. Facilitates update of job descriptions, policy and procedure manuals.
14. Attends internal & external leadership workshops/seminars
 Business Development Report Meeting Review
EXCO report Review,HPA Plan Execution Review
Loans Review Report
Risk & Audit Review Report

 Loan Proposals
Credit Risk Report
Book Composition Report
Valuations & Inspection Reports
Sectorial Analysis Report
Arrears Report
Balanced Score Card Review
Internal & External Audit Reports
  Submits plans on the best strategies to meet mortgage business objectives for input into the ZB Bank annual strategy formulation and quarterly reviews.
 Plans execution of Mortgage business strategy, determines and communicates monthly and quarterly branch performance targets based on approved budget.
 Submits and presents reports to/in quarterly Board Loans Review, Audit and Risk committees.
 Submits monthly and quarterly actual performance reports against budgets to be achieved.
 Submits biannual mortgage business review pack for external auditors.
 Submits biannual branch staff training program on mortgage business.
 Submits annual insurance renewal bordereaux
   BSc. Honors Rural and Urban Planning.
 BSc. Honors Real Estate.
 BSc. Honors Economics., Master's in Business Administration.
 Master's in Business Leadership.
 Master's in Business Intelligence

 BSc. Honors Property Valuations
  IOBZ or Business Studies Diploma 6 years  Must have advanced credit and risk assessment skills
 Must have good negotiating and reporting skills
 Must have the ability to conduct market research and sales data analytical skills
 Must have leadership and people management skills
 Must have good selling skills including ability to converse and articulate strategic and policy issues
 Must have valuation and property inspection skills
 Must have project management skills
 Must be highly organised
 Must be able to manage business with minimum supervision
 Must be able to command respect at all levels of business interaction
 Must be able to honestly and naturally assume responsibility and accountability at all levels of the business
 Must be able to converse and articulate strategic and policy issues eloquently
 Must be goal and results oriented
 Must be well groomed and presentable
  Decides on which strategic recommendations to make to the Board committees
 Decides on input for ZB Bank Strategy formulation
 Decides on approaches to achieve budget
 Decides on suitable product offering to sell to Corporates, Institutions and Individuals
 Decides on the sales strategy for the Branches
 Decides on operational controls, checks and procedures which impact on loss of revenue, productivity and frauds
 Decides on target markets and PR activities
 Decides on additional information requirements on complex proposals submitted by branches
 Decides on foreclosures
 Decides on content and extent of branch staff mortgage training
 Decides on suitability and approves loans in and out of committee
  Ensuring strategy execution to meet the approved budget targets
 Undertake Credit and Risk Assessment
 Ensuring compliance to Building Societies/Bank Act, RBZ prudential lending guidelines, ZB policies & procedures
 Articulating strategy, policy and procedure reviews to Executive management
 Ensuring most efficient form of mortgage service delivery through the entire ZB Bank branch network
 Staff performance management
 Competitor analysis and product reviews
 Managing difficult customers
 Safety procedure training and protective clothing including helmet required for inspection or visit to construction sites


Job evaluation subgrade: D