Purpose:
The role will be responsible for selling the bank’s products, meeting customer needs, identifying leads and follow up, building relationships and interacting directly with customers throughout all phases of the sales process.  
Key Responsibilities/Accountabilities
The Incumbent will report to the Team-leader Sales and will be responsible for:

Marketing and selling of banks products... and services to potential customers
Contacting leads and setting up appointments to present bank products.
Assisting the clients in completing forms and submitting them for processing to the various branches.
Attending activations, door to doors and marketing activities that are organised to promote and sell I&M products.
Compiling regular sales reports specifying the number of sales made on daily, weekly, monthly sales quotas.
Efficient follow up on leads and consistent communication with customers to curb client complain and maintain customer satisfaction.
Cross selling to existing clientele

 Person specifications

Diploma/Degree in a business-related field
Relevant work experience as a Sales Representative
Highly motivated and target driven with a proven track record in sales
Excellent selling, negotiation and strong communication skills
Prioritizing, time management and organizational skills
Ability to create and deliver presentations tailored to the audience needs
Relationship management skills and openness to feedback.
Ability to deliver excellent customer experience to ensure sustainable organic growth of ETB / NTB customers. more

PURPOSE:
The role holder will be responsible for:

Implementing a comprehensive Operational Risk management framework by the use of appropriate processes, procedures, and tools, designed to embed risk management within the Bank that facilitates the balance of business growth.
Partnering with Business Units to facilitate and support the implementation of the ERM strategy
Performing independent... reviews and control validation tests to ascertain compliance with the bank’s policies and procedures and assess the adequacy of controls and adherence to regulatory requirements and highlight exceptions or violations.

PRIMARY RESPONSIBILITIES:
Policies and Procedures

Participate in the annual review of policies and procedures in liaison with the Manager, Enterprise risk
Participate in the Review of business procedures/processes to identify areas of potential improvement or weakness in risk management controls.
Facilitate the development of shared processes/ Procedures across the business to ensure compliance with policies and standards of operation (SOP).
Review of procedure manuals across the different bank units and support in the maintenance of the bank’s procedure Manual catalog

Assist the head of  of Enterprise risk in entrenching and reinforcing of bank-wide ERM awareness culture

Champion the Implementation of the Unit Risk and compliance committees within bank departments through coordination of the Unit Operational risk and Compliance committees for business units across the bank with the respective risk champions.
Support the sustenance of the risk champions program.
Support risk Champions in monitoring and risk reporting, to ensure that a comprehensive and continuous risk identification process is in place across the bank and subsidiaries.
Tracking implementation of internal and external audits and regulatory reviews
Facilitate classroom training and sharing of risk management best practices across the Bank.
Participate in the development of Training materials for the different users within the bank i.e., E-Learning materials.
Any other role assigned by the Enterprise Risk Manager.

Reporting:

Participate in the development of risk reports for senior management meetings and Board meetings
Review all Internal & External Audit reports to extract relevant risk & control information for use in reporting and remediation

Risk & Control Self-Assessment Register (RCSA)



Coordinating the implementation of the Risk & Control Self-Assessment (RCSA) framework across the various Business and Support units.
Support process owners and risk champions with the identification of key risks in their respective functions while also identifying Controls aimed at mitigating those risks. (Risk Control Self-Assessment).
Ensure each business unit holds a risk register that covers all risk areas.
Review and ensure that individual unit risk registers are up to date and reflect the current risk environment.
Ensure Maintenance of the comprehensive bank Risks and Controls Libraries.

Key Risk Indicators (KRI)



Participate in the design of the Bank’s Key Risk Indicators framework (KRIs)
Ensure maintenance of the bank’s KRI Library.
Review and analyze Key Risk Indicators (KRI) reported by respective units to ensure they are within approved tolerance limits and report any exceptions for follow-up and action planning.
Support the risk owners to define key risk metrics for operational risk within the Business and Support functions.

Control Testing/ Assessment

Assisting in developing Control testing checklists and conducting control tests in Business units as per control Testing procedure.
Periodically carry out independent Control tests in the relevant units to ensure that policies and procedures are effectively implemented in the Functional/Business Units and update risk registers appropriately
Follow up for closure/management of Key Risk matters arising from the Control Testing exercise across the Bank;

 Incident Reporting and Loss data management

Coordination of loss data collection and reporting
Loss Data analysis and recommendations on areas that require control improvement based on the Root Cause Analysis.
Maintain and monitor an Operational Loss Database to monitor operational losses and their respective root causes.
Reconciliation of the Loss data report against the incident report to ensure completeness and comprehensive loss reporting
Participate in the review of fraud incidences (successful and attempted).

PERSON SPECIFICATIONS
Academic Qualifications

Bachelor’s degree plus Professional qualification

Professional Qualifications

Minimum of four (6) years’ experience in a Risk And Compliance function;
Excellent communication and interpersonal skills.
Ability to establish priorities, plan, coordinate, and monitor own work plan
Strong negotiation skills; and
Good understanding of relevant regulatory requirements, CBK Prudential, and Risk Management guidelines
Good understanding of Banking internal policies and procedures as well as external regulations.
High Level of Integrity more

Purpose:
The position is responsible for the overall management of the Branch operations to achieve and maintain good customer relations, operational efficiency and compliance with operational guidelines and procedures.
Primary Responsibilities:

Supervise daily Branch operations through the efficient allocation and utilization of manpower, equipment and resources;
Review operations reports... to ensure exceptions are acted upon or escalated within acceptable time frames.
Approve new accounts in line with KYC procedures.
Ensure correct and accurate completion of all customer instructions and approve for processing at central operations.
Ensure adherence to Bank cash, customer service and Back office procedures and regulations for all transactions.
Enforce operational controls in the branch as per policy manuals.
Implement audit recommendations pertaining to all the departments under the Branch operation’s jurisdiction.
Review and/or monitor transactions i.e. withdrawals, deposits, transfers and ensure that any money laundering and fraudulent activities are identified.
Proactively monitor savings accounts to avoid excesses and review overdrawn savings accounts and non-borrowing current accounts.
Review commission/fee income accounts to prevent income leakage.
Ensure debit or reversals passed to the income accounts is duly approved by the approving authority.
Review suspense GL Accounts; Holdover and Transit GL accounts on a regular basis to ensure that entry items are reversed within acceptable time frames;
Ensure the availability of all service delivery channels to ensure customers are kept fully attended to and that expectations are met.
Manage efficient, timely and accurate processing of customer enquiries and complaints.
Review Branch operations for continuous process improvement.
Cross-sell the Bank’s products and services.
Coach, mentor and engage in staff development.
Ensure the general security in the branch and liaising with the Group Security Officer as and when necessary.

Person Specifications

Bachelor’s degree in a Business related field from a recognized institution.
CPA (K), ACCA or its equivalent.
Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.
At least 3 years relevant experience
Excellent communication and interpersonal skills.
Excellent problem solving and decision making skills.
Excellent change management and people management skills. more

I&M BANK KENYA MANAGEMENT TRAINEE (MT) PROGRAMME
Do you want to be part of a dynamic brand that offers you a bright and rewarding career?
We are a leading Commercial bank seeking to provide rewarding long-term careers to agile, passionate and highly talented fresh Graduates.  The MT programme is a fast-track leadership development initiative within the Bank that is designed to provide Trainees... with practical, hands-on experience to prepare you for leadership roles within the Bank and the I&M Group.
The programme is an intense 15-month stint that takes the MT's through various functions within the Bank and offers external training programmes, e-learning, in-house coaching and mentoring programmes, leadership development as well as an off-shore secondment within one of our Group entities.
Qualifications and Eligibility Criteria:

Fresh university graduates not exceeding 28 years of age who will have successfully completed their studies by 31st January 2023.
Graduates with a Masters in specialized fields or exceptional Undergraduate degree holders.
A First-Class degree in Commerce, Economics, Finance, Actuarial Science, Engineering, Computer Science, or any other business-related degree.
Technical certification qualifications (in lieu of a university degree) in specialist areas.
A GPA of 3.5 and above along with a Bachelor’s degree in the fields stated above.
Keen interest in developing a career in Banking.
Proficient in written and spoken English (French language proficiency would be an added advantage).
Must have strong analytical skills and experience in coding (e.g., python etc.) would be an added advantage.
Exceptional extracurricular achievements.
Excellent interpersonal, communication and negotiation skills.
Comfortable working independently as well as in a collaborative environment.
A self-starter with a high level of energy, urgency, and personal accountability
Willing to develop business acumen.
Creative thinkers  who are ready to challenge themselves and their colleagues.
Keeps abreast with existing and emerging technologies.
Assertive - able to stand by principles despite opposition.
Resilient with an ability to retain optimism despite setbacks and not take criticism personally.
Methodical, accurate, pays attention to detail.
Ability to remain calm and focused under pressure. more

Purpose
The role is responsible for effectively growing the portfolio by working on strategies to acquire new customers, retain and expand through cross selling the relationship with existing customers. Performance indicators include growth in loan assets, total deposits, Total Net Revenue, CASA, Management of asset quality, New to Bank revenue, nil operational loses and enhanced customer... satisfaction / experience.
Primary Responsibilities

Market new business in both assets and liabilities for the branch.
Market alternative products such as credit cards, prepaid cards, Internet banking, mobile banking etc. as well as Bancassurance products.
Monitor accounts and follow up for repayments and remedial action where accounts may become delinquent.
Initiate the process of securities perfection, obtaining necessary documents, initial vetting of document, and process follow through to ensure securities are perfected in a timely manner.
Review credit applications, daily overrides and call reports and make appropriate recommendations to the approving authorities.
Process ad-hoc/additional/new requests/complaints/excesses and obtaining approvals where/when required.
Provide feedback to customers in reply to their requests and requirements in a timely manner.
Follow up with customers to ensure compliance with sanctioned terms and conditions with respect to account operations and provision of all requisite documents and covenants.
Comply with audit observations and initiate necessary action and follow up with clients.
Provide feedback to Senior Management on customer requirements/ market trends/product development to suit the needs of the customers.
Ensure quality service delivery within prescribed TATs to ensure customer satisfaction and business retention or growth.
Mentor and manage the entire Branch team.
Approve large RTGS, TT, Fixed deposit initiations as required.
Provide oversight of Branch operations duties and actions.

Person Specifications
Academic Qualifications

Master’s degree in Business Administration or its equivalent from a recognized institution will be an added advantage.
Bachelor’s degree in Commerce, Management or Accounting from a recognized institution.

Work Experience

At least 5 years relevant experience.

Professional Qualifications

Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.

 Generic competencies

Excellent communication and interpersonal skills.
Strong people management skills.
Excellent problem solving and decision-making skills. more

Job Purpose
The role is responsible for managing and supervising Branch cash services to ensure that customers get the best in terms of service delivery in accordance with the Bank’s policy, procedures and guidelines.
Primary Responsibilities

Ensuring that the Branch maintains optimum level of cash in liaison with the Central Cash department.
Ensuring safe custody of cash and serialized... stationery
Reconciling cash at the end of the day through a physical cash count and monitoring the intra-day cash limits for the tellers
Custodian of vault keys
Management of vault cash limits
Loading of ATM, m Responding to cash related queries
Queue management and monitoring activities in the Banking Hall through the CCTV
Verification teller entries within entries
Supervision of daily call back & archiving and monitoring to ensure sufficient cash & working optimally.
Retrieving cash and cheque deposits from the ATM

 Person Specifications
Academic Qualifications

Bachelor’s Degree in Business, Banking or related field.

Work Experience.

At least one (1) year relevant experience in a similar role in a similar sized organization.

Skills & Attributes

Planning & Organizational skills.
Analytical skills and attention to detail.
Strong oral and written communication skills.
Interpersonal skills to manage stakeholders at all levels.
Ethics and integrity
Excellent judgment and analytical abilities and impeccable integrity.
Strong commercial awareness and an ability to connect to business goals. more

Purpose
The job holder is responsible for the overall management of the Branch operations to achieve and maintain good customer relations, operational efficiency and compliance with operational guidelines and procedures.
Primary Responsibilities

Conduct daily, weekly and monthly review of operations reports to ensure exceptions are acted upon or escalated within acceptable time... frames. 
Approve new accounts in line with KYC procedures.
Ensure correct and accurate completion of all customer instructions and approve them for processing at central operations.
Manage operational risk and ensuring compliance with controls.
Implement audit recommendations pertaining to all the departments under the Branch operation’s jurisdiction.
Review and/or monitor transactions i.e. withdrawals, deposits, transfers and ensuring that any money laundering and fraudulent activities are identified.
Proactively monitor accounts to avoid excesses and reviewing overdrawn savings accounts and non-borrowing current accounts, in addition to following up with customers as per the prescribed procedure guidelines.
Review Inter Branch transactions report and ensure that the entries initiated by other Branches are bona fide and all outstanding items are reconciled and applied accordingly.
Review suspense GL Accounts; Holdover and Transit GL accounts on a regular basis to ensure that entry items are reversed within acceptable time frames.
Ensure availability of all service delivery channels to ensure customers are kept fully attended to and that expectations are met.
Supervise front office and Back-office operations to ensure quick turnaround time on service delivery.
Manage efficient, timely and accurate processing of customer enquiries and complaints.
Cross-sell the Bank’s products and services.
Ensure general maintenance of equipment and furniture at Branch level.

Person Specifications

Bachelor’s degree in a Business related field from a recognized institution.
At least 5 years relevant experience.
CPA (K), ACCA or its equivalent.
Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.
Excellent communication and interpersonal skills.
Excellent problem solving and decision-making skills.
Excellent change management and people management skills. more

Job Purpose
The position is responsible for processing cash receipts, cash payments, cheque receipts and VAT payments as well as prepaid and multi-currency cards, credit cards and in-house cheques accurately to achieve good customer service, quick transaction turnaround time while offering the best service, mitigating the risks such as cash shortages and adhering to standard operating... procedures
Primary Responsibilities

Process customer transactions.
Process in-house cheques.
Receive outward cheques, VAT and PAYE payments.
Process card payments such as Prepaid, Multi-currency and Narada Card
Carry out daily call backs and filing;
Cross- sell the Bank’s products.
Handle customer enquiries.
Balance cash daily in the till with the system and observe intra - day and end of day cash limits.

Person Specifications
Academic Qualifications

Bachelor’s degree in a Business related course from a recognized institution.
Part completion of CPA (K), ACCA or its equivalent.

Work Experience.

At least one year relevant experience.

Skills & Attributes

Excellent communication and interpersonal skills.
Strong planning and organization skills.
Ability to work within a team. more

Purpose
 The role holder ensures customer service delivery levels are as per the Bank’s prescribed standard, customer satisfaction and retention
Primary Responsibilities

Receive, verify, Authenticate, call back and processing thereof of all instructions delivered at the branch. Eg RTGS, TT, FDR, Forex conversions, stop payments, Treasury Bills, cheque book requests, card... applications.
Preparing audit confirmations, certificate of balance, interest certificate and opinion letters for customers.
Ensuring the completion of all Account opening Documentation and following up on deficiencies
Facilitating customers’ access to lockers
Attending to walk-in customers enquiries on account opening and products so as to maximize conversion of enquiries to sales
Responding to all written and oral complaints and enquiries received from customers.
Handling of internal mail
Cross-selling the Bank’s range of products and services to existing and new customers and acquire new active accounts/Business.
Ordering of cheque books and cards as per customer specification.
Safe custody and management of Cards and cheque books
Collection of All service charges as per bank tariff to ensure Nil income leakage.

Person Specifications
Academic Qualifications

 Bachelor’s Degree in Business, Banking or related field.

Work Experience

At least one (1) year relevant experience in a similar role in a similar sized organization.

Skills & Attributes

Planning & Organizational skills.
Analytical skills and attention to detail.
Strong oral and written communication skills.
Interpersonal skills to manage stakeholders at all levels.
Ethics and integrity
Excellent judgment and analytical abilities and impeccable integrity.
Strong commercial awareness and an ability to connect to business goals. more

Job Summary:
The incumbent  will be responsible for  monitoring  performance and supervising the activities of the Personal Banking team, to achieve the targeted number of Retail Accounts, Cards, Retail Loans , Asset Finance and any other retail product assigned as per the yearly target.The role holder will also be responsible for consistent and continuous revenue growth, development of business... proposals ,forecasting, networks, pipelines, and sales strategies, while researching opportunities in line with business budgets and targets for the branch network portfolios, aligned to the overall business objectives.
The goal is to drive sustainable financial growth through boosting sales and forging strong relationships while being focused on revenue, cost management and volume growth. Development of sales in zones that have not bought the product portfolios before, with focus on NTB - New to Bank. Working closely with the personal banking segment team and Branch Managers to identify and close new business or expanding opportunities within existing portfolios.
Key responsibilities:
The Incumbent will report to the Deputy General Manager-Personal Banking and will be responsible for:

Planning all necessary sales activities to achieve the annual target by developing the annual marketing sales plan which includes numbers to be achieved, number of salespeople required and manner in which the team is to be deployed.
Measuring the quality and quantity of the results of the sales team by monitoring performance of the team, monitoring effectiveness of the strategy to ensure on course achievement of targets compiling and analyzing sales figures, preparing monthly reports.
Planning activations, obtaining approvals, negotiating with executors and organizing for sale points.
Preparing the payroll for the sales team including determining commissions earned, etc.
Ensuring adherence to the KYC Norms and adequate documentation for all retail accounts marketed by the Retails Sales team.
Managing the customer expectation relationship by ensuring turnaround delivery as promised.
Liaising with external agencies to carry out planned activities.
Partnering with the Branch network teams in supporting the branch to achieve its customer retention as well as revenue/income growth objectives.
In conjunction with the Personal Banking segment leadership team and Branch teams, building and developing a high performing and motivated staff team by creating a conducive work environment to ensure maximum productivity.
Working closely with HR to manage attendance, recruitment, headcount, disciplinary and other related responsibilities in support of people management activities.
Conducting research to identify new markets and customer needs.
Developing and implementing sales strategies and tactics to increase revenue and profitability.
Developing and maintaining strong relationships with key customers and stakeholders.
Managing the sales team and provide coaching, training, and performance feedback to ensure optimal results.
Developing and managing sales budgets, forecasts, and pipelines,

PERSON SPECIFICATIONS
Academic Qualifications

Master’s degree in marketing, Strategic Management or its equivalent from a recognized institution; and
Bachelor’s degree in marketing, Strategic Management or its equivalent from a recognized institution.

 Professional Qualifications

Diploma in Marketing or its equivalent; and
Member of Chartered Institute of Marketing (CIM) or equivalent professional body.

Experience

At least 8 years relevant experience, 3 of which should have been at supervisory level.

Generic Competencies

Project management skills.
Ability to develop plans, programs, SOPS, and coordination of workflows.
Creativity.
Strategic management skills

 Skills and Attributes

Excellent communication and interpersonal skills.
Strong people management skills.
Strong strategic and analytical thinking skills.
Good negotiation skills
Excellent problem solving and decision-making skills; and
Must demonstrate good market knowledge. more