JOB PURPOSE
The job holder is responsible for loan processing, verification, documentations and maintenance of approved loan facilities in the core banking system in line with the bank policies and procedures in a prompt, efficient and effective manner. Maintenance of AA Lending arrangement architecture in T24 core banking system.
KEY RESPONSIBILITIES

AA Loans processing as per SLA & TAT
AA... Suspense Reconciliation
Record Management
Risk & Compliance

MAIN ACTIVITIES

Loans Processing as per SLA & TAT

Prompt and efficient processing of all loan products disbursement facilities in T24 core banking system.
Review of AA products property classes and property conditions.
Prior Knowledge of AA Module Architecture i.e property classes, product set-up, AA activities and Integrity report.
Processing of RTGS instruction as per the credit checklist and credit approval on loan disbursed amount MT0103
AA Loan termination, liquidation and pay offs of loan related facilities in core banking in respect to customers instructions and credit approval.
Monitoring the AA suspense accounts on a daily basis.
Daily reconciliation of AA suspense and loan Liquidation accounts transactions movements
If there are anomalies in AA suspense accounts movement, trace the affected branch account /HO and regularize/ask the relevant department to review and normalize the account.
In-depth AA property classes, properties and product conditions knowledge on AA.
AA daily accruals and their basis of accrual.
Prepare a daily report as the first reviewer, and save it in the public Folder for the second reviewer to verify the reconciliation report for accuracy.
Reconciliation of Disputed AA loan schedules and AA loan deductions in core banking system to ascertain true position as per documentation verses T24 system.
Review and Analysis of AA. integrity Assure report and resolution of its problem and symptoms.
Ensure marking of Limits/Overdraft and maintenance in core banking systems as per credit approvals and customers request.
Posting of refunds/recoups in t24 core banking system as per customers instructions and credit approval and collecting commissions as per the bank policy.
Posting reversal on mis post as per branch request or customer request instructions.
Processing of loan write offs and write back in core banking system as per board and credit approvals against loan provisions in GL.
Posting of collateral refund as per credit approvals and customers’ requests.
Loan amendments on repayment dates, interest rate and modification of terms as per credit approvals.
Manual loan recovery as per the request both from branch and credit requests to reduce PAR.
Restructuring of Non-performing loans in t24 core banking systems as per credit approvals/board approval.
Timely processing of Contractual Savings Standing Orders as required during loan booking to increase cash collateral Lien amount intended as security for the loan.
Ensure full capacity utilization of application right processes/procedure, ensuring accuracy and compliance/and verification of supporting documentation for loan related application to Prevent income leakage by ensuring recovery of all commissions on loans facilities, overdraft, Trade loans, and recoups/refunds.
Handle customer complaints and take appropriate action to resolve them. Assist to answer all loan services and customer phone calls.
Resolve all issues and maintain knowledge on all loan servicing procedures. Manage all communication with internal departments to facilitate all loan processes credit department.
Compliance to the bank’s policies and procedures.
Prompt and efficient response to branch queries raised through email within 24 hours to meet customers timelines and customers’ needs as per the bank policy.
Keenly reviewing, verification and approvals of documents in credit quest before any disbursement is done for proper/correct processes to avoid error/loss of bank funds.
Accurate filing of all loan related facilities, recoups/refunds, Loan disbursements, overdrafts, cash collateral, amendments and other client instructions as effected in the unit for future reference and ease retrieval when need arises.
Processing of Fixed deposits on call and Term deposits using MM module.

Reconciliation

Reconciliation of Disputed loan schedules and loan deductions in core banking system to ascertain true position as per documentation verses T24 system.
Ensure proper reconciliations of interest collected upfront and commissions collected on all related loan facilities.

Record Management

Provision of loan processed reports for ease of tick back both physical and system entries.
Daily loan tick back of all processed loan application form with the system entries/transactions for submission to registry for archiving.

Risk & Compliance

Comply with the banks Anti Money Laundering (AML ) & Combating the Financing of Terrorism (CFT) policy as defined by CBK prudential guideline.
This role is regarded as the first line of defense, it has a primary responsibility for identifying, measuring, monitoring and controlling risks within their area of accountability. They are required to establish effective governance, risk and control framework for their business unit to ensure they are compliant with Sidian Bank’s risk policy requirements, to maintain appropriate risk management skills, methodology, frameworks and solutions. In addition, ensure they are operating within the risk appetite boundaries set and approved by the board.
Ensure that the bank does not transact business with persons whose names match those on the sanctions lists in the Finance day to day business.
Ensure that confidentiality and integrity of the Bank’s information is maintained at all times in line with cyber security and information security guidelines.
Ensuring adherence to the policies as defined in the IT security policy considering the disciplinary process that follows any violation.
Ensure responsibility for using personal data by following the data protection principles under the data protection act and make sure the information is used fairly, lawfully and transparently and used for specified, explicit purposes.
Ensure compliance with all banks policies, procedures and all statutory requirements.
Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money
Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of
Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion
Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of
Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The
Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
Co – operate fully with regulators and law enforcement agents and make available required documents and information.

ACADEMIC BACKGROUND

A first Degree in a relevant discipline i.e. accounting, financial management, economics, numerical or other scientific related disciplines.
Advanced degree is an added advantage.

WORK EXPERIENCE

At least three (3) years banking experience.
Experience in: AA loan related knowledge, Credit disbursement and AA reconciliation related issues

SKILLS & COMPETENCIES

Professional Banking qualification (AKIB) is an added advantage. more

About the job
The candidate in this position will be responsible for overseeing the efficient and profitable operation of all branch activities. In addition to reporting all financial and operations information to company management, this candidate is responsible for hiring, training, and dismissing any employees at the branch.
Responsibilities

Business Growth & Development
Marketing & Brand... Management
Relationship Management & Customer experience
Branch Operations
Branch strategic input and planning
Leadership & People Management
Risk & Compliance
Identify operational deficiencies and implement plans for improvement
Create and maintain a weekly report on operations and sales at the branch
Hire and train all employees of the branch

Qualifications

Minimum 8 years’ working experience in a Banking environment, with sound exposure to Branch Operations, Credit Management and Business development.
Bachelor's degree or equivalent in Business.
4+ years of management or supervisory experience
Sound knowledge of Retail Banking/SME products, services and processes together with exposure in retail banking branch operations or customer service delivery.
Profound understanding of retail market, key competitors and offerings as well as our competitive edges to win quality customers.
Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers. more

JOB PURPOSE
The job holder will be responsible for handling, filing and archiving bank documents as received from central operations Accounts, central operations loans and all branches countrywide. Ensure adherence to the Bank standards while handling the Bank documents and discharging of the record management deliverables for safe custody and retrieval of the documents.
KEY... RESPONSIBILITIES

Records Management
Compliance To policies, SLA's and TAT's
Risk & Compliance

Records Management

Receive, review and process documents for archival in compliance with the Bank’s policies and procedures.
Ensure all account opening documents are indexed well for storage.
Ensure all Loan documents are indexed and filed properly.
Create or update records with new files and information.
Process requests for retrieval of documents within SLA per laid down procedures and recover charges as applicable.
Track movement of retrieved original documents back to the Centre and escalate any delays in receipt.
Store all paperwork in designated places securing the important documents.
Ensure all paperwork is entered into an electronic system either by data entry or other available means.
Deal with all requests to access files, AODs or LAFs and keep logs of the same.
Develop an efficient filing system to make updating and retrieving files easier.
Follow policies and confidentiality dictations to safeguard data and information.
Monitor inventory of files, documents etc. and report any discrepancies.
Recall all teller batches from branches as soon as internal audit is over.
Ensure customer statements are printed and distributed in good time.
Ensuring the documents register is up to date and all documents arranged systematically to ease retrieval.
Facilitating classification, arrangement & description of records and cataloguing in the Archives Filing of all records received in a systematic manner.
Appraisal of documents that are past their administrative and legal value for destruction in line with the registry policy.

Compliance To policies, SLA’s and TAT’s:

100% adherence to SLA between Registry and all other support functions
Ensure that all duties and responsibilities are performed in accordance with all relevant Operations Policies.
Ensure internal controls are adhered to,
Ensure Service Level Agreements, TAT and customer service performance standards are achieved and maintained.

Risk & Compliance

Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required.
Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act.
Co-operate fully with regulators and law enforcement agents and make available required documents and information.

KNOWLEDGE, SKILLS & EXPERIENCE

A Business or related degree from a recognised university
Professional qualifications in Records Management/Archiving will be an added advantage
Proven experience in filing, filing systems and record management
Very good knowledge of MS Office and office equipment such as photocopier, scanner etc.
Good command of English both oral and written
Dependable with respect to confidentiality and policies
Excellent organizational skills
Great attention to detail
Good knowledge of the bank’s core banking system
Sound and demonstrated knowledge of policy, procedures, regulation, reporting and statutory obligations more

JOB PURPOSE
The role holder will be responsible for identifying and delivering assigned custodial business through various revenue streams by marketing the custodial products to existing and new customers directly and via Relationship Managers at Head Office and Branch network. The role supports portfolio growth, monitoring the performance of the portfolio and marketing the bank’s custodial... product offering to ensure that the set targets of portfolio growth, income and quality are achieved.
KEY RESPONSIBILITIES

Sales & Business Development
Customer Service
Risk & Compliance

MAIN ACTIVITIES
Sales & Business Development

To originate deals directly, from existing and prospective clients in order to maximize customer profitability by providing innovative and value-added solutions to grow a personal portfolio.
To originate deals in conjunction with Relationship Managers from existing and prospective clients in order to maximize customer profitability by providing innovative and value-added solutions.
Implement and drive the Custodial Services business development strategy.
Spearhead the development and implementation of new Custody Services products and go to market strategy.
To enhance Custody and Trustee business by facilitating favorable market practices/policies and fostering good client relationships.
Develop a hitlist and pipeline funnel for deal conversion .
Maintain a high level of integrity and ethical standards commensurate with the requirements of market best practice. 
Provide a consistently high-quality overall marketing, business development and client relationship management to clients/customers & taking overall responsibility for the Custodial Services operations.
Establish, develop and grow Bank’s custodial services offering to corporate and institutional clients, high net worth individual and investment groups positively contributing to the Bank’s Profit & Loss account.
Drive effective sales origination, pipeline management, call reporting and conversion.
Develop appropriate sales materials, prepare sales proposals and participate in advertised tenders.

Customer Service

Delivery of consistent seamless customer service through maintenance of high service standards, relationship Management and partnerships for the Custody business (customers, fund managers, brokers, regulators, administrators, stakeholders).
Leading the Custody team for efficient operations, excellent client service and business growth, to ensure profitability numbers are met and exceeded
Ensuring that the customers’ Custodial and holistic banking needs are identified and fulfilled efficiently and cost-effectively, while managing the risks associated with new accounts; mandates; agreements; and market regulatory requirements.
Ensure that the unit prepares and dispatches/delivers reports to Custody clients in accordance with set Service Level Agreements.
Coordination, maintenance and compliance on duties and responsibilities under the unit trust, Trustee services and facility agency/registrar business.
Providing a readily available, service-focused, knowledgeable and experienced point of contact for new and existing market customers.
Oversee scoping, delivery and operations of technology needs for the Custody Business.
Manage the operational contact between client and the operational areas by ensuring a full understanding of the client’s needs and expectations across the organisation and providing clarity for the actions required to service the client.
Build client confidence through solid delivery of expected services such as quick response time in effecting instructions and handling queries, proper record-keeping, timely reporting on asset holding as well providing other value-added services.
Document, coordinate and oversee resolution of problems or issues affecting the quality of service delivery and the overall client experience.

Risk & Compliance:

Understanding of the overall risks associated with the Custody operations and ensuring there are sufficient and effective controls to manage these risks.
Enforcement of risk excellence and compliance requirements by Coordinating internal and external audits for the unit, to ensure compliance with regulatory, audit and internal controls.
Ensure all regulatory returns and any other information requested by the regulators are accurately compiled and submitted within the stipulated timelines.
Ensure that Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing  compliance culture is promoted within areas of operation
Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
Provide guidance by consistently enforcing a top-down approach of the Anti-Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing   responsibilities
Ensure that measures are in place   to identify, monitor and control Money Laundering/ Financing of Terrorism/ Proliferation Financing risks affecting the units through completion of Risk and Compliance Self Assessments, reporting to Risk and Compliance Functions and appropriate committees, embedding guideline policies in their operational manuals and tracking resolutions of major risk issues.
Ensure that all staff within the Group/ Department/ Unit are well trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
Ensure to Report suspected money laundering cases escalated by staff in the Group/ Department/ Unit to the Money Laundering Reporting Officer as soon as such incidents occur but within 12 hours of occurrence.   
Ensure that information, data requests, and feedback are made available to the ERM department in a timely manner for effective decision making on money laundering, terrorism, and proliferation financing risks, assessments, and reporting to the regulators.
Ensure that staff have AML/CFT/CPF Key Performance Indicators (KPIs) and disciplinary action is taken against those who violate AML/CFT/CPF policies and procedures
Ensure that all relevant information has been provided and considered for decision-making for high-risk accounts and transactions, escalations from the Compliance Unit, and applying of exceptions to bank policy and procedures’ compliance.
Ensure that there are adequate screening (Know Your Employee Program) procedures to ensure high standards when onboarding new staff or promoting existing ones.
Identify major risks affecting the Group/ Department/ Unit and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated
Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
Co – operate fully with regulators and law enforcement agents and make available required documents and information

DECISION-MAKING AUTHORITY

The role is highly guided by Policies and Procedures;
Pricing structures and negotiation parameters;
Range of products to support the client.
Delightful customer experience

ACADEMIC BACKGROUND

Any Professional qualifications in ACCA, CPA (K) or a Diploma
Bachelor’s degree and a Master’s degree in any business-related field will be an added advantage

WORK EXPERIENCE

A minimum of 4 years’ experience in Corporate Banking, with at least 2 years in a management position with exposure in Custodial Services.
Knowledge of global custody, asset servicing, and investment instruments.

SKILLS & COMPETENCIES

Excellent client facing and internal communication Skills.
Excellent written and verbal communication skills.
Solid organizational skills including attention to detail and multitasking skills.
Strong working knowledge of Microsoft Office.

PROFESSIONAL CERTIFICATION

Must have Custody /CMA Approved Certification.
Investment Administration Qualification (IAQ), Regulation & Compliance Course, Bonds and Fixed Income Markets Course. Associate of the Chartered Institute of Bankers (ACIB) qualifications will be an added advantage. more

JOB PURPOSE
The Job holder will be responsible to solicit, build and maintain relationships with Public Sector Banking clients through provision of highly analytical, making regular customer visits to contacts at The National Treasury, parastatals, government ministries and donor/developmental agencies with a view to obtaining up to-date information on priority projects and funding sources. This... involves growing business in terms of liabilities and assets as well as non-funded businesses in areas such as trade finance, bancassurance, forex, transactional income and channels usage from the bank’s target markets to increase share of wallet for the bank.  
The job holder will also be responsible for continuous enhancement of the breadth and depth of product lines for the business function to achieve and sustain competitive positioning in the target markets. Effective account relationship management resulting in optimization of customer satisfaction, retention and wallet share through selling multiple solutions from appropriate ranges of the bank’s product is critical.
KEY RESPONSIBILITIES

Strategic input and planning
Sales, Business Development & Relationship Management
Strategic Marketing 
Strategic customer experience
Risk & Compliance

MAIN ACTIVITIES
Strategic input and planning:

Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs. 
Provide input and recommendations to the Public Sector short- and long-term strategy in a bid to grow the wallet share and maximize revenue for the department. 

Sales, Business Development & Relationship Management: 

Making regular customer visits to contacts at Treasury, parastatals, government ministries and donor/developmental agencies with a view to obtaining opto-date information on priority projects and funding sources.
Identify opportunities for growth and new business acquisition through market research, analysis and networking.
Develop a target market database of clients in the Bank’s desired industries/sectors, have well defined call objectives and drive a robust calling program that will generate sales and business for the Bank.
Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
Act as liaison between clients and internal operations team to timely and effectively understand and provide all types of banking products including but not limited to deposits, loans, trade finances and remittance for the clients.
Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that both the customer and bank objectives are met, achieved by a mutual exchange and fulfillment of the brand promise. 
Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate lending, trade finance, deposit and cash management business from existing and new customers in line with the target market segments for the bank.
Ensure day-to-day client relationship management and engagement with customers to foster a good and lasting business partnership of the customer and the Bank.

Strategic Marketing:

Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
Strategic product development by continuously developing and refining the bank’s products.
Gather insights and provide recommendations that position the bank as a leading SME go to bank which focuses on entrepreneurs.

Strategic customer experience: 

Promote excellent customer experience by driving and advocating customer requirements through the various functions in the bank to deliver high service standards that delight the bank’s customers.
Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.

Risk & Compliance:

Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act with respect to lending.
Ensure customer value proposition is implemented in compliance with external and internal regulations & policies i.e. operational, credit, reputational and people risk.
Facilitate and collect all clients’ required documents for application of banking facilities to verify their eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements and other financial information.
Solicit, build and maintain new and existing clients in accordance with the guidelines stated in the Public Sector Banking policies and procedures to ensure sustainable and secure deposit and loan portfolios.
Present and provide highly professional consultations to target corporate clients to address their demands and match with the Bank’s products and services.
Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
Conduct financial analysis and interpret applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans and other credit facilities.
Conduct a site visit at clients’ business premise and proffered collateral during loan assessment process to obtain in-depth information concerning the soundness of their business and purpose of loan application and ensure sufficient and acceptable security for the loan.
Process and prepare Credit Appraisal Report for commercial applications including detailed loan appraisal write-up and detailed financial analysis of the corporate clients in order to submit for loan approval.
Prepare and execute loan contracts and arrange loan disbursement timely and accurately to fulfill clients’ needs and satisfactions.
Make regular site visits to existing clients to determine the actual conditions of the business and loan collateral whether it should remain the same or be downgraded as well as to develop relationships with clients as part of retention strategies.
Closely monitor the recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level.
Follow up delinquent clients immediately and refer such cases to higher authority to actively handle the loan portfolio.

DECISION-MAKING AUTHORITY

The role is highly guided by Policies and Procedures;
Pricing structures and negotiation parameters;
Range of products to support the client.

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 five (5) years’ experience in the Financial/banking sector, three (3) of which should be in Relationship Management in the Public Sector.
Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

Proven track record of growing a profitable and sustainable portfolio that delivers to the banks bottom-line;
Profound understanding of Public Sector, key competitors and offerings as well as our competitive edges to win quality customers;
Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers;
Highly effective communicator with excellent interpersonal and motivational skills;
Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills;
Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills;
Credit evaluation and analysis skills with extensive business insights related to commercial loans in Cambodia context;
Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to access repayment capacity and financial soundness of the clients;
Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications;
In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

Diploma in Banking – AKIB (added advantage) more

JOB PURPOSE
The Job holder will be responsible for marketing to new and existing clients in order to grow quality business of both the liability and asset book in line with Public Sector Banking set targets. This role is also responsible for acquisition and retention of existing customers, and growing the wallet share from existing accounts and effective management of the relationship /customer... experience. Key focus being on; Ministries, parastatals, semi-autonomous government agencies and, CDF, County governments.
KEY RESPONSIBILITIES

Sales, Business Development & Relationship Management
Strategic Marketing 
Strategic customer experience
Risk Management

MAIN ACTIVITIES
Sales, Business Development & Relationship Management

Develop a target market database of clients in the public sector, have well defined call objectives and drive a robust calling program that will generate sales and business for the Bank.
Making regular customer visits to contacts at Treasury, parastatals, government ministries and donor/developmental agencies with a view to obtaining opto-date information on priority projects and funding sources.
In liaison with the Head of Public Sector, identify other potential institutions, parastatals, government ministries, donor and developmental agencies with whom we can partner/do business and who can benefit from bank’s mix of products and services.
Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
Act as liaison between clients and internal operations team to timely and effectively understand and provide all types of banking products including but not limited to deposits, loans, trade finances and remittance for the clients.
Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that both the customer and bank objectives are met, achieved by a mutual exchange and fulfillment of the brand promise. 
Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate lending, trade finance, deposit and cash management business from existing and new customers in line with the target market segments for the bank.

Strategic Marketing

Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
Strategic product development by continuously developing and refining the bank’s products.
Gather insights and provide recommendations that position the bank as a leading SME go to bank which focuses on entrepreneurs.

Strategic customer experience: 

Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.

Risk Management:

Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act with respect to lending.
Ensure customer value proposition is implemented in compliance with external and internal regulations & policies i.e. operational, credit, reputational and people risk.
Facilitate and collect all clients’ required documents for application of banking facilities to verify their eligibility.
Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements and other financial information.
Solicit, build and maintain new and existing clients in accordance with the guidelines stated in the Government & Institutional Banking policies and procedures to ensure sustainable and secure deposit and loan portfolios.
Present and provide highly professional consultations to target corporate clients to address their demands and match with the Bank’s products and services.
Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
Conduct financial analysis and interpret applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans and other credit facilities.
Conduct a site visit at clients’ business premise and proffered collateral during loan assessment process to obtain in-depth information concerning the soundness of their business and purpose of loan application and ensure sufficient and acceptable security for the loan.
Process and prepare Credit Appraisal Report for commercial applications including detailed loan appraisal write-up and detailed financial analysis of the corporate clients in order to submit for loan approval.
Prepare and execute loan contracts and arrange loan disbursement timely and accurately to fulfill clients’ needs and satisfactions.
Make regular site visits to existing clients to determine the actual conditions of the business and loan collateral whether it should remain the same or be downgraded as well as to develop relationships with clients as part of retention strategies.
Closely monitor the recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level.
Follow up delinquent clients immediately and refer such cases to higher authority to actively handle the loan portfolio.

DECISION-MAKING AUTHORITY

The RO 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 RO 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.

WORK EXPERIENCE

At least 4 years’ experience in banking.
Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

Proven track record of growing a profitable and sustainable portfolio that delivers to the banks bottom-line;
Profound understanding of SME market, key competitors and offerings as well as our competitive edges to win quality customers;
Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers;
Highly effective communicator with excellent interpersonal and motivational skills;
Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills;
Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills;
Credit evaluation and analysis skills with extensive business insights related to commercial loans in Cambodia context;
Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to access repayment capacity and financial soundness of the clients;
Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications;
In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

Diploma in Banking – AKIB (added advantage) more

JOB PURPOSE
The Relationship Officer will assist Relationship Managers to manage a portfolio of customers with the aim to maximize profitability of the overall portfolio by identifying and providing financial solutions. The role will provide support to the sales force by assisting the Relationship Managers to conduct credit reviews, risk evaluation, monitoring and control of designated RM... portfolio to ensure that the department maintains quality loan Book. The Relationship Officer will also be responsible for all audit and compliance issues within the department.
KEY RESPONSIBILITIES

Sales & Business Development support
Maintain Quality Loan Book 
Credit administration & audit
Portfolio monitoring & control
Customer experience
Risk & Compliance

MAIN ACTIVITIES
Sales & Business Development Support

Work with the Relationship Managers to grow the business through product volume, new client acquisition and increase the number of products held per client.
Develop and implement client strategies in conjunction with product partners and relevant parties to identify the right product and service opportunities.
Cultivate existing relationships, understand and anticipate clients’ needs as well as identify incremental sales opportunities.
Visit and assess possible needs for the client or cross selling opportunities and provision of financial solutions and ensure value chain maximization; prepare & attach a call report for the client .i.e. post visit analysis of the client.
Assist the Relationship Manager(s) in handling the administrative part of managing client relationships.
Maintain product knowledge and work closely with the product team in crafting tailor–made solutions according to customer’s needs.
Obtain all account opening and required documentation from the customers in order to support all customer transactions and applications.
Act as backup for Relationship Managers during their absence (Client and business query resolutions).
Support in Hit Lists maintenance of potential clients in the relevant sector as well as sanitization of the hit lists in liaison with the relevant stakeholders.
Wallet Sizing – review positions with existing clients/institutions with an aim of cross selling and mining all potential available business.
Participate in sales planning initiatives and design appropriate relationship plans to generate new business throughout marketing calls, promotions and presentations.

Maintain Quality Loan Book

Obtain all the necessary documents for a thorough analysis of a facility request as per the bank’s lending manual & credit policy.
Comprehensively analyze the account statistics for the last one year and ensure the credit proposals have been well analyzed and presented by liaising with the Credit team and product technical teams.
In liaison with the potential/existing corporate client and RMs, do customer visits prior to completing the Loan application.
Respond as appropriate to the actionable points based on the analysis of the account plans.
Present the completed loan application to the Credit Committee and obtain its approval/decline.
Monitor the progress on perfection of securities and ensure that the perfection of securities has been done correctly; the correct amounts have been charged, where necessary, the property has been insured against all perils for the full amount and the Bank’s interest is noted in the insurance documents.
Confirm that all the conditions have been met by the client and complete the compliance certificate.
Focus on portfolio growth in assets and liabilities and cross selling of other Bank’s products.
Advise the customer on the status of their credit applications via an appropriate letter of offer/letter of reject.

Credit Administration and Audit

Follow through of the credit application from the proposal stage to disbursement.
Follow up on closing of outstanding covenants and advise the credit analysts appropriately.
Ensuring the portfolio under management remains of good quality and as per the bank’s credit policy.
Daily verifying that each client under the portfolio is within the limit/no arrears positions and there are no signs of development of ‘hardcore’ position in case of overdrafts. Ensure pre-approval of excesses is obtained.
Promptly advise the Remedial Credit Unit clients that require their attention before the position gets from bad to worse.
Monitor to ensure correct interest rates are marked to avoid income leakage.
Keep abreast with the developments in the international markets, banking industry in general and particularly the industry/sector in which each of the clients operates and relate it to the client’s business.
Obtain status reports on the client, directors, guarantors if any, suppliers etc.
Make regular customer visits and ascertain the level of activities, stocks, etc.
Obtain and analyse annual/management reports on annual/quarterly basis
Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.

Portfolio Monitoring and Control:                                                                

Effectively and efficiently manage the Department Credit Administration (PAR, Excess, and Collateral).
Interrogation of the account plans to ensure all leads identified are closed.
Attend and participate in the daily morning huddle for the team to drive business and focus on opportunity
Follow up and coordinate with analysts on all facility requests and all other department requests presented to them for approval.
Monitoring of the Departmental loans PAR to maintain a low PAR of not more than 3% on a weekly trend 
Prepare and give responses on Corporate PAR on behalf of the Department for Early Alert Meetings.
Ensure clients are advised on renewal of overdraft limit expiry dates to ensure timely review of overdraft limits at least 3 months prior to expiry. 
Ensure all Fees and Commission are recovered and correct interest rates are maintained to avoid income leakage
Ensure offer letters and all security documents are obtained and correct.
Ensure there is proper filing and documentation on the credit files.
Preparation of response to audit report, in charge of department audit review and implementation to ensure the department maintains a rate not lower than satisfactory.
Managing the portfolio in compliance to Bank’s policies on KYC, AML and prudential guidelines.
Ensure the covenants highlighted in approval conditions are adhered to consistently.
Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.
Ensure that as a staff you actively contribute to the department/division attaining a “Satisfactory” rating in both internal and external audit by performing your role to the required standards and adhering to all internal processes and procedures as per relevant manuals, policies and regulations of the Bank.
Ensure that all risk management requirements within your remit are addressed and where necessary escalated through the available.

Customer Experience                                                                                 

Make a follow up of the issues raised/captured under the call report with the customer/person/relevant department.
Ensure that customers enjoy quality service. 
Ensure non-investigative queries are responded to within the same day.
Investigative client queries should be handled within 48 hours with a final or holding response
Ensure a focused efficient and effective customer service framework which will increase the flow of business from existing customers and generate business from new customers.
Make regular customer visits, to keep abreast of their activities.
Provide excellent customer service and assist to open new accounts for clients and maintain necessary documents for all operations and maintain effective relationships with clients.
Maintain knowledge of all bank products, credit standards, services and trends to provide efficient customer service.

Risk & Compliance

Contributes to the flow of staff communications, by attending regular staff meetings – morning huddles and weekly progress meetings;
Adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment;
Monitor and ensure compliance of facility covenants to ensure performance and profitability;
Provide regular call reports for all facilities to enhance our Monitoring & Evaluation;
Monitor service delivery to bank customers to ensure high levels of efficiency and effectiveness;
Work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks;
Ensure implementation and compliance with operational policies and procedures, AML/CFT Policies;
Compliance to the Environmental Social Management (ESM) policy and procedure in day to day business.

DECISION-MAKING AUTHORITY

The RO 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 RO 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.

WORK EXPERIENCE

At least 4 years’ experience in banking with at least 2 years in sales and business development.
Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

Excellent Credit Quest usage skills.
Profound understanding of SME market, key competitors and offerings as well as our competitive edges to win quality customers.
Highly effective communicator with excellent interpersonal and motivational skills.
Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.
Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills.
Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to assess repayment capacity and financial soundness of the clients.
Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

Diploma in Banking – AKIB (added advantage) more

JOB PURPOSE
The role holder will be responsible for identifying and delivering assigned Trade Finance business through various revenue streams by marketing the trade finance products to existing and new customers directly and via Relationship Managers at Head Office and Branch network. The role supports portfolio growth, monitoring the performance of the portfolio and marketing the bank’s trade... finance product offering to ensure that the set targets of portfolio growth, income and quality are achieved.
KEY RESPONSIBILITIES

Sales & Business Development
Relationship Management
Strategic customer experience
Risk & Compliance

MAIN ACTIVITIES
Sales & Business Development

To originate deals directly, from existing and prospective clients in order to maximize customer profitability by providing innovative and value-added financing to grow a personal portfolio.
To originate deals in conjunction with Relationship Managers from existing and prospective clients in order to maximize customer profitability by providing innovative and value-added financing.
Innovate & develop new Trade Finance Products to grow the Banks contingent book and non-funded income streams.
Work with Head of Department, Head Office Business Teams and Branch network to develop sales pipelines of trade related business in line within overall Account Plans and develop a sales strategy for Trade Finance products to meet sales targets in line with overall bank strategy.
Align product process flows and the operations manual to achieve quality and efficient standards.
To identify and translate market trends into new Trade Finance products, or re-engineering of existing products, in order to generate a profitable business.
Originate and structure business deals, through appropriate use of term sheets and by capturing end-to-end sequence of events and mitigating any inherent risks.
Identify general and specific opportunities and threats to position trade finance products for the overall competitive advantage of the Bank, within the stipulated service level agreements.

Relationship Management

Develop and maintain working relationships with local and international Financial Institutions with aim of deriving Trade Finance business from the institutions.
Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that both the customer and bank objectives are met, achieved by a mutual exchange and fulfillment of the brand promise.
Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate lending, trade finance, deposit and cash management business from existing and new customers in line with the target market segments for the bank.
To monitor competitor banks in the market. Keep abreast of their new product offerings/service developments, assess the threat to our business and plan remedial action to maintain a competitive edge for trade products throughout the country.
Champion risk approvals for trade deals, provide risk management of trade portfolios, and structured solutions to mitigate risk.
Provide Relationship Managers/ Business Bankers & Customers continuous trade product knowledge through training, workshop and forums to maximize trade opportunity identification/solutions.

Strategic Customer Experience

Liaise with Trade Finance operations unit to provide support, ensure smooth deal implementation and adherence to high levels of service quality.
Facilitate customer service issues and ensure a high level of post sales service is made available to the clients at all times.
Drive overall client satisfaction and service benchmark of trade offering and build customer loyalty. 
Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.
Drive overall client satisfaction and service benchmark of trade offering and build customer loyalty. 
Onboard new customers in Trade Finance to increase our market share
Continually drive and ensure consistent and superior client orientated culture and high-quality service delivery to trade customers. 
Implementation and monitoring of KYC and ALM measures in line with the Bank and Regulatory requirements.
Liaise with other departmental teams in structuring trade finance transactions, to ensure that customer needs are attended to in an efficient and timely manner while safeguarding against potential transactional risks.

Risk & Compliance

Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
Co – operate fully with regulators and law enforcement agents and make available required documents and information.

DECISION-MAKING AUTHORITY

Processing of requests as delegated by the supervisor provided that such requests are within the management/credit approvals granted.
Identify transactional risks, initiate and develop innovative trade finance instruments to suit specific business needs and circumstances.
Review and propose for approval, terms and conditions for trade finance products with customers which are within the acceptable bank limits.
Review and recommend for approval, pricing of trade finance services besides mapping out specific portfolio’s transactional sequence of events taking cognizance of the seniority, protection and control of the Bank’s collateral.
Advice on legal contractual agreements, implement the product solution, monitor/control the performance, pricing approval and delivery.

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 5 years proven sales experience in Trade Finance in the banking industry – across Working Capital financing, and Trade Financing (Documentary Trade products i.e. Letters of credit, bonds & Guarantees, documentary collections etc.
Exposure in International Trade Finance as well as Structured Trade and Commodity Finance courses is an added advantage.

SKILLS & COMPETENCIES

In-depth technical knowledge of international trade finance products and processes. Good knowledge of Trade documentation including ICC Publications.
Ability to utilize underlying transactions, for importers or exporters, to optimize cash flows, all underpinned by sound risk management to make trade deals happen.
Ability to identify transactional risks and to initiate and develop innovative trade finance instruments to suite specific business needs and circumstances. 
Ability to originate business transactions, and identify risks that would meet the broader spectrum of credit committee approvals.
Strong negotiation and presentation skills, ability to communicate at all levels in the organization.
Skills for analyzing and formatting data provided by finance and other sources.
Proven track record of growing a profitable and sustainable portfolio that delivers to the banks bottom-line.
Profound understanding of SME market, key competitors and offerings as well as our competitive edges to win quality customers.
Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers;
Highly effective communicator with excellent interpersonal and motivational skills.
Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.
Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills.
Credit evaluation and analysis skills with extensive business insights related to commercial loans in Cambodia context.
Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to assess repayment capacity and financial soundness of the clients.
Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

Professional qualifications such as CDCS, CITF, ACIB/AKIB will be an added advantage. more

JOB PURPOSE
The purpose of the role is to closely monitor and collect from allocated monitoring portfolio PAR (1-90 days) i.e. Normal & Watch category) within all sectors of the Bank and strategizing for returning the accounts to performing status or and reducing slippages/attrition to NPL.
KEY RESPONSIBILITIES

Debt Collection
Customer Experience
Risk & Compliance

MAIN ACTIVITIES
Debt... Collection

To proactively identify delinquent accounts (1-90 days) and promptly rectify the default to ensure minimal attrition to Non-performing Category.
Ensure cure rate (Arrears collections) of 95%(Minimum).
Ensure roll rate (Attrition) of 5% maximum.
Ensure that demand letters as per the payment diary are generated and dispatched within 2-days and the respective telephone follow ups made.
Issue pre-listing notices when the facilities are 60 days in arrears.
Track and document early detection of problem accounts and ensure that they are escalated and acted upon as per Collections Strategy.
Strictly monitor payment arrangements to ensure compliance and escalate hardcore cases to the next level.
Promptly attend to customers’ requests and queries either through call backs, faxing or mailing requested documents.
Provisions not to exceed set budget through proactive management of overdue facilities.
Implement Credit monitoring policies. i.e. exercise the enforcement process of recovering debts through constant calling, sending of SMS’s, demand letters & emails, issuance of notices and ensure that no losses are incurred in terms of Credit Monitoring in conjunction with Legal department

Customer Experience

Giving customers information relating to the balances and general   account status information to facilitate payments and Provide feedback concerning customer payment behavior to management.
Prompt calling of customers using the payment diaries produced on a daily basis. Generally manage and control all matters relating to delinquency.
Minimizing customer complaints and ensure all customer complaints are closed within the reporting period.
Giving customer feedback on time. This involves activities like sending client’s statements as per their request and responding to any queries that they may have.
Encouraging customers to take up more loans and open up business accounts as a means of income generation to the bank.

Risk & Compliance

Ensure screening of clients to avoid disbursing facilities to customers with ML/TF/PF links.
Check for sources of funds on loan repayment and escalate any suspicious or undeclared source to Compliance Unit.
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.
Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion

ACADEMIC BACKGROUND

University Degree in Bachelor of commerce (Finance or Accounting) or other relevant Business Degree

WORK EXPERIENCE

At least five (5) years’ experience in banking operations, with sound exposure to credit or lending and Credit monitoring
Professional Banking qualification (ACIB) or Credit Administration/Credit Monitoring will be an added advantage
Proven track record of consistently exceeding set targets.
Versatility, flexibility, passion and commitment to quality service delivery.
Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.
Good understanding of SIDIAN Credit risk policy.

SKILLS & COMPETENCIES

Experience in Ms Office packages especially Excel for analysis and reconciliation.
Good understanding of CBK regulatory framework and pertinent regulations impacting borrowing customers.
Highly effective communicator with excellent interpersonal and motivational skills.
Solid performance management and motivational skills.
Excellent relationship building and stakeholder management skills.
Strong planning, analytical, decision-making, lateral thinking and project management skills more

JOB PURPOSE
The job holder will be responsible for managing and recovering from the allocated Non-performing (NPLS) portfolio within all sectors of the Bank and strategizing for returning the accounts to performing status, full recovery or exit. In addition to this, the role-holder will undertake any other duty as assigned by the Manager – Debt Recovery.
KEY RESPONSIBILITIES

Portfolio... Management
Customer Service
Compliance & Policy Implementation

MAIN ACTIVITIES
Portfolio Management

To proactively manage assigned portfolios and provide leadership to the team on debt collection and recovery work in identifying and promptly arresting default and thereby restrict monthly provisions within acceptable levels.
Provisions not to exceed set budget through proactive management of overdue accounts. 
Review proposals for restructuring, rescheduling and re-aging of distressed accounts in the loan portfolio.
Prepare reports to aid the team’s effort in daily collections and write Back to P&L.
Track and document early detection of problem accounts and ensure that they are escalated and acted upon as per Collections Strategy.
Timely follow-up with Legal and other external agents on accounts to ensure efficient and effective collections and or repossession/Auction.
Promptly attend to internal and external customer’s requests and queries either through call backs, faxing or mailing requested documents.
Clean up of the Debt book by making relevant recommendations for approval on a continuous basis.

Customer Service

Exceed external and internal customer expectations.
Provide leadership and mentor new members of the team to ensure they give customers information relating to the balance and general account status information to facilitate payments and provide feedback concerning customer payment behavior.
Minimizing customer complaints and ensuring all customer complaints are closed within the reporting period.
Giving customer feedback on time. This involves activities like sending client’s statements as per their request and responding to any queries that they may have.
Encouraging customers to take up more loans and open up business accounts as a means of income generation to the bank.

Risk & Compliance

Check for sources of funds on loan repayment and escalate any suspicious or undeclared source to the Compliance Unit.
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.
Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
Co – operate fully with regulators and law enforcement agents and make available required documents and information.

DECISION-MAKING AUTHORITY

Directly reports to the Manager Debt Recovery

ACADEMIC BACKGROUND

Bachelor’s Degree in Business studies or Economics from a recognized university.

WORK EXPERIENCE

A minimum of five (5) years’ experience in banking operations with at least three (3) years of experience in collections and recoveries. 
Professional Banking qualification (CPAK) or Debt Collection will be an added advantage
Good understanding of credit risk policies on lending and debt collection.
Proven track record of consistently exceeding set targets.
Excellent people management skills
Versatility, flexibility, passion and commitment to quality service delivery
Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.
Good understanding of SIDIAN BANK Credit risk policy and Debt recovery Manual.

SKILLS & COMPETENCIES
Technical Competencies

Analytical and structuring 
Action orientation 
Stakeholder engagement 
Commercial awareness 
Risk management

Behavioral Competencies

Planning and Organizing
Decisiveness 
 Interpersonal skills 
Negotiation and influencing
 Communication and presentation

PROFESSIONAL CERTIFICATION

Professional Banking qualification will be an added advantage more