JOB PURPOSE

To manage the credit documentation process for facilities granted to customers by the bank and to ensure that all credit is adequately and continually secured before disbursement and during the lifetime of the facility. In addition to this, the role-holder will undertake any other duty as assigned by the Manager – Credit Administration or Director- Credit Risk Department.

KEY RESPONSIBILITIES AND ACTIVITIES

Securities Quality Assurance & Administration:

• Receive documents from the disbursement officers and validate the same to ensure conformity to set standard. Any deficiencies to be highlighted and communicated to the relevant parties for remedial action to be taken.
• Maintain proper diaries to monitor compliance with respect to renewable securities such as guarantees, valuation reports, insurances, land rent and rates.
• Follow up with branches and all business units to ensure 100% compliance with respect to insurance renewals, payment of rent and rates and revaluation of securities.
• Facilitate release of securities in line with the laid down procedures.
• Update the securities register in T24 with new securities and security release as well to ensure accurate record of security details in the system.

Custodianship:

• Filing security documents and other credit related documents in a systematic manner to ensure ease of retrieval whenever need arises.
• Ensure safe custody of all securities documentation in the designated holding areas/strong rooms
• Control lodgment and withdrawal of securities documentation from the designated holding areas/strong rooms
• Ensure adherence to dual control system in accessing the securities vault and other holding areas
• Maintain a well updated securities movement register
• Attend to queries relating to securities and documentation such as request for copies of documents

Customer Service:

• Respond to all queries relating to clearance of facilities for drawdown and perfection of securities
• Ensure prompt and precise respond to customer queries via email and phone in line with set customer service standards.

Compliance & Policy Implementation:

• Ensure compliance with internal policies and procedures relating to lending and other areas that touch on day to day operations.
• Actively participate in all audit processes and ensure the department achieves a satisfactory rating both in internal and external audits.

DECISION MAKING AUTHORITY

Direct Reports to this Position
None

ACADEMIC BACKGROUND

• Bachelor’s Degree in Commerce – Finance Option
• Professional Course – Certified Public Accountant (CPA) – Section 6

WORK EXPERIENCE

• At least 2 years’ experience in advances securities, lending, credit administration, debt management or any other area that involves critical use of analytical skills within the bank.
• Experience with NTSA operations and MPSR an added advantage.

SKILLS & COMPETENCIES

• Legislation: familiarity with legislation governing perfection of securities and requirements by regulating bodies
• Technology skills: Computer literate with proficiency in MS Office.
• Knowledge of Business Environment: Must understand local and global dynamics of the business environments facing customers.
• Results Oriented: Be able to have a personal drive to achieve set goals enthusiastically
• Personal Ethics: Must possess a high level of integrity.
• Decisive and Independent: Ability to work independently, consult and clarify where necessary and make informed decisions.
• Interpersonal Skills; Excellent interpersonal skills, with the ability to establish and develop relationships
• Proactive Initiator: Must be pro-active, a self-starter and have the ability to anticipate and advice on strengths, weaknesses, opportunities and threats.
• Team work; Ability to work through teams, deliver high quality work within deadlines, and to meet team objectives
• Communication Skills: Excellent communication skills both written and oral, including the ability to convey ideas and positions clearly

Apply by: 10th Jun, 2024

JOB PURPOSE

The job holder will be responsible for identifying new business opportunities and growing business through the branch network in all areas of Branch Banking. He/she will also help in identifying suitable partnerships that provide business opportunities in branches and also provide administrative support for the departmental HQ activities.

KEY RESPONSIBILITIES

• Business Development
• Monitoring and Reporting
• Market Intelligence
• Risk & Compliance

Business Development

• Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
• Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
• Continuously conduct market research and competitor analysis to identify new business opportunities.
• Manage relationships of key accounts while tapping on their shared wallet through cross selling at least 5 products.
• Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

• Monitor the performance of Branch Banking and partnerships to ensure that they operate according to the agreed lending terms.
• Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making.
• Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

• Identify capacity building needs and recommend possible assistance for microfinance partners;
• Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the  profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account  opening form is duly completed and all  required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Responsible for immediately alerting the MLRO  on  suspicious transactions or activities noted in  customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of  such high-risk customer(s) and any PEP/PEP Related persons  noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
• Identify customers in portfolios that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
• Ensure that UBO information is obtained and captured in AODs and core banking  at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant  supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION-MAKING AUTHORITY

• The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities;
• The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
• Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least 8 years’ experience in banking.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;
• Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Apply by: 15th Jun, 2024

JOB PURPOSE

The job holder will be responsible for identifying new business opportunities and growing business through the branch network in all areas of Branch Banking. He/she will also help in identifying suitable partnerships that provide business opportunities in branches and also provide administrative support for the departmental HQ activities.

KEY RESPONSIBILITIES

• Business Development
• Monitoring and Reporting
• Market Intelligence
• Risk & Compliance

Business Development

• Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
• Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
• Continuously conduct market research and competitor analysis to identify new business opportunities.
• Manage relationships of key accounts while tapping on their shared wallet through cross selling at least 5 products.
• Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

• Monitor the performance of Branch Banking and partnerships to ensure that they operate according to the agreed lending terms.
• Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making.
• Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

• Identify capacity building needs and recommend possible assistance for microfinance partners;
• Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the  profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account  opening form is duly completed and all  required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Responsible for immediately alerting the MLRO  on  suspicious transactions or activities noted in  customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of  such high-risk customer(s) and any PEP/PEP Related persons  noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
• Identify customers in portfolios that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
• Ensure that UBO information is obtained and captured in AODs and core banking  at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant  supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION-MAKING AUTHORITY

• The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities;
• The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
• Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least 8 years’ experience in banking.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;
• Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

JOB PURPOSE

The job holder will be responsible for identifying new business opportunities and growing business through the branch network in all areas of Branch Banking. He/she will also help in identifying suitable partnerships that provide business opportunities in branches and also provide administrative support for the departmental HQ activities.

KEY RESPONSIBILITIES

• Business Development
• Monitoring and Reporting
• Market Intelligence
• Risk & Compliance

Business Development

• Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
• Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
• Continuously conduct market research and competitor analysis to identify new business opportunities.
• Manage relationships of key accounts while tapping on their shared wallet through cross selling at least 5 products.
• Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

• Monitor the performance of Branch Banking and partnerships to ensure that they operate according to the agreed lending terms.
• Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making.
• Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

• Identify capacity building needs and recommend possible assistance for microfinance partners;
• Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the  profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account  opening form is duly completed and all  required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Responsible for immediately alerting the MLRO  on  suspicious transactions or activities noted in  customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of  such high-risk customer(s) and any PEP/PEP Related persons  noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
• Identify customers in portfolios that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
• Ensure that UBO information is obtained and captured in AODs and core banking  at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant  supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION-MAKING AUTHORITY

• The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities;
• The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
• Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least 8 years’ experience in banking.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;
• Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

JOB PURPOSE

The job holder will be responsible for identifying new business opportunities and growing business through the branch network in all areas of Branch Banking. He/she will also help in identifying suitable partnerships that provide business opportunities in branches and also provide administrative support for the departmental HQ activities.

KEY RESPONSIBILITIES

• Business Development
• Monitoring and Reporting
• Market Intelligence
• Risk & Compliance

Business Development

• Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
• Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
• Continuously conduct market research and competitor analysis to identify new business opportunities.
• Manage relationships of key accounts while tapping on their shared wallet through cross selling at least 5 products.
• Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

• Monitor the performance of Branch Banking and partnerships to ensure that they operate according to the agreed lending terms.
• Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making.
• Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

• Identify capacity building needs and recommend possible assistance for microfinance partners;
• Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

• Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
• Continuously monitor customer transactions in the context of the  profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
• Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
• Prior to Customer on boarding, ensure that a potential client has been screened, account  opening form is duly completed and all  required documentation as per the account opening policy obtained.
• Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
• Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
• Responsible for immediately alerting the MLRO  on  suspicious transactions or activities noted in  customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of  such high-risk customer(s) and any PEP/PEP Related persons  noted   to senior management for approval.  Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
• Identify customers in portfolios that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
• Ensure that UBO information is obtained and captured in AODs and core banking  at point of account onboarding and throughout the customer journey.
• Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
• Ensure that the transactions contain the full details and the relevant  supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION-MAKING AUTHORITY

• The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities;
• The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
• Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least 8 years’ experience in banking.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;
• Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)