Jobs Kenya

Website: Website http://www.imbank.com

  • Relationship Manager – Business Banking

    Relationship Manager – Business Banking

    PURPOSE:
    Contact Centre is the Bank’s point of contact for handling Inbound and Outbound Calls, Emails and Social Media engagements. The purpose of this role is to ensure that services are offered to customers in an efficient, prompt and courteous manner so as to maintain customer’s goodwill and excellent image of the bank by observing the Banks policies, procedures and controls.  
    PRIMARY RESPONSIBILITIES:

    Inbound Calls handling – To handle all inbound calls and providing customers with information on various bank related enquiries.
    Email Management – Responding to all emails received in the Call Centre mailbox regarding all banking queries, request and complaints. This includes following up with relevant stakeholders and ensuring that action is taken within the stipulated timeframes and the feedback loop is closed.
    Social Media Management – Respond to Social Media posts on Facebook, Twitter, YouTube, Instagram and LinkedIn, Report all complaints reported via Social Media and advise customers once resolved.
    Telemarketing and Outbound Campaigns – Handling outbound telemarketing calls to create awareness on services, products and increase sales.
    Care Calling – Calling new account holders to welcome them to the bank and advise them on the features available to their type of account. This calls are also meant to check on the customer on boarding experience.
    Product Cross Selling and Upselling – Provide potential customers with information on new and existing products and services.
    Alternate Channel Support – Support for the bank’s alternate channels i.e. Debit & Credit Cards, Mobile and Internet Banking platform by assisting customers with registration and guidance on channels usage.

    QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:
    Academic Qualifications

    Bachelor’s degree in a Business related from a recognized institution.
    Proficiency in Microsoft Office

    Experience

    Basic Banking experience is desirable
    Experience working in a Call Centre

    Skills and Attributes

    Excellent oral and written communication skills;
    Strong Team Player;
    Excellent problem solving and time management skills;
    Customer centric individual;
    Strong planning and organization skills;
    Ability to multi task;
    Self-driven, autonomous and flexible individual.

    If you believe you meet the above requirements log onto our website www.imbankgroup.com/ke and click on careers and apply for the position. Your application should reach us as soon as possible but not later than 14th November 2021.

    Apply via :

    imbank.bamboohr.com

  • Relationship Manager – Business Banking Assistant General Manager – Personal Banking

    Relationship Manager – Business Banking Assistant General Manager – Personal Banking

    PURPOSE:
    The position is responsible for marketing to new and existing clients to grow quality business of both the asset and liability book in line with portfolio targets and attain target revenue for the portfolio. This role is also responsible for the retention and growing the wallet share from existing business/personal banking requirements and effective management of the relationship /customer experience.   
    PRIMARY RESPONSIBILITIES:

    Prospecting for new business opportunities and offering the full range of Banking products and services such as personal accounts, current accounts, loans, fixed deposit accounts, card products, Internet Banking, Home Loans, Commercial Advances by way of Working Capital, Term Loans, STL’s, Hire Purchase, Asset Financing, IPF’s, Letters of Credit and Letters of Guarantees;
    Focused growth in transactional banking solutions for the business banking portfolio
    Documenting Account opening and executing all KYC documents to facilitate account opening and all Bank’s products and services;
    Obtaining related financial documents to be able to put forward any new borrowing requests from the client;
    Preparing Call reports with recommendations and submitting for consideration by approvers;
    Mobilizing High Cost and Low Cost Deposits and growing the Bank’s Deposit Base in line with Branch targets;
    Providing feedback to the client on the outcome of their request and providing other solutions which could be beneficial to them in the long run;
    Processing and concluding transactions in a timely manner;
    Making regular client visits to review business requirements, assessing assets under securities held or offered and submitting call reports;
    Processing ad-hoc/additional/new requests/excesses under allotted portfolio and obtaining approvals where/when required;
    Cross selling the Bank’s and Group’s products.
    Conducting reviews and renewals for existing relationships for clients enjoying various Credit facilities by proposing and recommending Credit Appraisals;
    Making follow ups with Credit department on the offer letter and other Banks contractual documents for the client to execute for facilities approved and following up internally and externally for processing of securities and marking limits;
    Attending to the Credit Audit report and ensuring that ARPs are promptly attended to and resolved;
    Making regular customer meetings and visits to build and grow the relationship;
    Filling customer instructions/important loan related documents in the client’s respective dockets for safe custody as the information is private and confidential;
    Reviewing Loan excess and arrears reports on a weekly basis and providing comments for all accounts listed. This involves making daily follow ups with clients to ensure that their accounts are conducted within their sanction limits and any irregular excess are regularized within the shortest time possible;
    Approving excesses across Branches for relationship handled by the respective Relationship Managers especially in terms of excess drawing on their accounts; and
    Reviewing and commenting on enhanced and new facilities at the end of every month as per the Central Bank of Kenya requirement to the Credit department.

    PERSON SPECIFICATIONS
    Academic Qualifications

    Master’s degree in Business Administration or its equivalent from a recognized institution will be an added advantage; and
    Bachelor’s degree in Business Administration/Marketing or its equivalent from a recognized institution.

    Professional Qualifications

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

    Experience

    At least 5 years relevant experience

    Generic Competencies

    Ability to write complex letters, comprehensive reports and to perform complex calculations.

    Skills and Attributes

    Excellent communication and interpersonal skills;
    Good financial analysis skills;
    Excellent problem solving and decision making skills;
    Knowledgeable in credit, legal (conveyancing) and lending knowledge;
    Basic understanding of Banking Law; and
    Knowledgeable in the Banking Act, CBK prudential guidelines and credit policies.

    go to method of application »

    Use the link(s) below to apply on company website.  

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  • Data Engineer Backend Developer

    Data Engineer Backend Developer

    PURPOSE:
    This position is responsible for expanding and optimizing the organisation’s data and data pipeline architecture, as well as optimizing data flow and collection for cross functional teams.
    PRIMARY RESPONSIBILITIES:

    Create and maintain optimal data pipeline architecture,
    Assemble large, complex data sets that meet functional / non-functional business requirements.
    Identify, design, and implement internal process improvements: automating manual processes, optimizing data delivery, re-designing infrastructure for greater scalability, etc.
    Build the infrastructure required for optimal extraction, transformation, and loading of data from a wide variety of data sources using SQL and ‘big data’ technologies.
    Build analytics tools that utilize the data pipeline to provide actionable insights into customer acquisition, operational efficiency and other key business performance metrics.
    Work with stakeholders including the Executive, Product, Data and Design teams to assist with data-related technical issues and support their data infrastructure needs.
    Create data tools for analytics and data scientist team members that assist them in building and optimizing our products
    Work with data and analytics experts to strive for greater functionality in our data systems.

    QUALIFICATIONS:

    Advanced working SQL knowledge and experience working with relational databases, query authoring (SQL) as well as working familiarity with a variety of databases.
    Experience building and optimizing ‘big data’ data pipelines, architectures and data sets.
    Experience performing root cause analysis on internal and external data and processes to answer specific business questions and identify opportunities for improvement.
    Strong analytic skills related to working with unstructured datasets.
    Build processes supporting data transformation, data structures, metadata, dependency and workload management.
    A successful history of manipulating, processing and extracting value from large disconnected datasets.
    Working knowledge of message queuing, stream processing, and highly scalable ‘big data’ data stores.
    Strong project management and organizational skills.
    Experience supporting and working with cross-functional teams in a dynamic environment.
    Experience with big data tools: Hadoop, Spark, Kafka, etc.
    Experience with relational SQL including Oracle and NoSQL databases
    Experience with data pipeline and workflow management tools: Azkaban, Luigi, Airflow, etc.
    Experience with Azure cloud services: Azure Data Factory, Azure Databricks
    Experience with stream-processing systems: Storm, Spark-Streaming, Azure Streaming etc.
    Experience with object-oriented/object function scripting languages: Python, Java, Scala, etc.

    PERSON SPECIFICATIONS
    Academic Qualifications

    Bachelor’s degree in Information Technology, Information Systems, Informatics, Computer Science or Engineering from a recognized institution.

    Experience

    At least 3 years of relevant experience

    Skills and Attributes

    Strong strategic and analytical thinking skills;
    Good communication and interpersonal skills;
    Excellent leadership and people management skills;
    Good customer and negotiation skills;
    Good decision making and problem solving skills;
    Abreast with existing and emerging information and communications technologies;

    go to method of application »

    Use the link(s) below to apply on company website.  

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  • Manager Assurance Audit

    Manager Assurance Audit

    REF:MAA/9/2021–MANAGER ASSURANCE AUDIT
    PURPOSE:
    The position is responsible for planning, executing and managing assurance audit assignments in accordance with the approved annual assurance Audit Plan and relevant policies, procedures and quality standards. This position is responsible for the quality of the audit work performed and the efficiency and effectiveness of the assurance audit team.
    PRIMARY RESPONSIBILITIES:
    The Incumbent will report to the Chief Audit Executive and will be responsible for:

    Reviewing all draft reports prepared by assurance audit teams to ensure that key weaknesses and existing/potential risks are highlighted and well-presented before approval and final report issuance;
    Conducting audits of sensitive function and functions that undergo significant change, and drafting suitable audit reports;
    Making audit field visits to monitor the audit progress and ensuring the execution of the audit methodology by guiding team members in order to develop their internal audit knowledge and skills;
    Preparing audit planning memo for high risk audit assignments and implementing in consultation with Senior Manager Internal Audit and respective auditees within the Bank to ensure completion of assignments within agreed schedule;
    Developing appropriate audit tests aimed at addressing identified risks and achieving the desired audit objectives as noted in the approved audit planning memo with a view to providing assurance that such risks are effectively managed/ mitigated;
    Ensuring completion of the assurance Audit Plan and providing status at internal audit department meetings;
    Organizing and contributing in the audit team risk assessment and planning meetings for target audit areas and documenting the inputs provided by the rest of the team for effective audit planning and execution;
    Performing quality assurance to ensure that all work delivered, including working papers both meet the standards required as well as supporting the audit findings, recommendations and conclusions;
    Coordinating audit exit meetings and leading the discussions;
    Periodically reviewing assurance audit process to provide feedback to the Senior Manager Internal Audit for any changes to be made;
    Providing constructive feedback on performance evaluation to assurance audit team members engaged in various audit assignments as well as undertaking their formal performance assessments; and
    Organizing the assurance audit reports for BAC files.

    PERSON SPECIFICATIONS
    Academic Qualifications

    Masters’ degree in Finance, Strategic Management, Accounting, Business or its equivalent from a recognized institution will be an added advantage; and
    Bachelor’s degree in Commerce, Finance, Economics, Business Administration or a Business related field from a recognized institution.

    Experience
    At least 7 years relevant experience in Banking and Audit, 2 of which should be at supervisory level
    Professional Qualifications

    CPA (K) and CIA professional qualification mandatory, ACCA, CISA, CFE professional qualification an added advantage; and
    Member of Institute of Certified Public Accountants (ICPAK) and Institute of Internal Auditors (IIA).

    Technical competencies

    Practical and theoretical knowledge of Banking, Audit, Accounting, Risk management and Information technology.
    High level of knowledge on the internal and external business environment.
    Proficient with the use of CAAT’s.

    Generic Competencies

    Ability to write complex reports, comprehensive reports and to perform complex calculations.

    Skills and Attributes

    Excellent communication and interpersonal skills;
    Excellent problem solving and decision making skills; and
    Assertive with excellent people-management skills.
    High levels of personal motivation.
    Excellent analytical skills and attention to details
    Excellent planning and organizing skills

    If you believe you meet the above requirements log onto our website www.imbank.com and click on careers and apply for the position. Your application should reach us as soon as possible but not later than 30th September, 2021.

    Apply via :

    imbank.bamboohr.com

  • Frontend Developer Android Developer

    Frontend Developer Android Developer

    JOB DESCRIPTION
    These are tier 1 engineers who should be experienced in building high-performing, scalable, enterprise applications. They’ll be part of a talented software team that works on mission-critical applications. They will work with the UI/UX designer and bridge the gap between graphical design and technical implementation, taking an active role on both sides and defining how the application looks as well as how it works.
    JOB RESPONSIBILITIES

    Develop new user facing features
    Enhance application for maximum speed and scalability
    Collaborate with team members, product owners and other stakeholders in translating business needs to actual code.
    Assure that all user input is validated before submitting to back-end.
    Bridge the gap between graphic design and technical implementation
    Assist other frontend and backend developers with debugging and troubleshooting
    Translate UI/UX design wireframes and mockups to actual code and features.
    Maintain code quality, implement code linters and add unit tests for code implementations.
    Collaborate with Quality Assurance Engineers in testing implementations and writing Automation tests.
    Plan, lead and participate in culture events and activities.
    Collaborate with other team members and internal and external dependencies to resolve both technical and non-technical blockers.
    Liaise with the DevOps engineers in creating, implementing and troubleshooting CI/CD pipelines for web applications.
    Documenting feature implementation, releases and workflows.
    Stay up-to-date on emerging technologies
    Promote usability best practices

    JOB REQUIREMENTS

    3+ years of experience working as a Frontend Engineer
    Good understand of Node Js and Webpack configurations
    Proficient understanding of web markup, including HTML5, CSS3
    Expert level understanding of JavaScript programming language
    Expert level understanding of Angular Js
    Basic understanding of server-side CSS pre-processing platforms, such as LESS and SASS
    Understanding of Javascript testing tools including Jest, Mocha, Angular Testing Library
    Familiarity with Typescript, RxJS and ES6
    Familiarity with CI/CD using CircleCI, TravisCI, Jenkins e.t.c
    Proficient understanding of cross-browser compatibility issues and ways to work around them.
    Proficient understanding of code versioning tools, such as Git and Mercurial
    Yearn to learn new technology stacks and accept that learning is forever
    Experience with Scrum/Agile development methodologies
    Pay close attention to the little details that help make our products much better
    Have an ability to prioritize and handle multiple tasks competently
    Ability to work independently with minimal supervision while achieving benchmarks

    go to method of application »

    Use the link(s) below to apply on company website.  If you believe you meet the above requirements log onto our website www.imbank.com and click on careers and apply for the position . Your application should reach us as soon as possible but not later than 29th September 2021.

    Apply via :

  • Officer-Digital Lending Administration And Customer Experience

    Officer-Digital Lending Administration And Customer Experience

    PURPOSE:
    This job holder responsibility will be to support the business to achieve its goals and objectives by driving the Bank’s digital strategy. The job holder will facilitate the Product development of digital financial services to increase functionality, usage & transaction migration across the Online, Mobile and new to the world banking channels. The job holder is responsible for the day to day processes efficiency checks on the technology solutions deployed combined with continual process improvement to enhance both the customer experience and financial results. The job holder will ensure that the customers’ channel of choice facilitates the interaction with us digitally provides the near instant gratification.
    KEY RESPONSIBILITIES:
    The Job holder will report to the Head of Digital Lending and will be responsible for:

    Championing digital banking and determining opportunities for improving business processes through automation.
    Offering Level 2 Customer support for specific queries associated digital lending concerns that may involve but not limited to System, data management & underwriting decisions.
    Sanity checks on the day to day operations of the Digital Lending Solutions as well as ensuring the resolution of issues are within the SLAs stipulated.
    Working closely with internal stakeholders and external vendors on validation of executed change processes with respect to Business Policy Rules and system enhancements.
    Using his/her customer experience and/or credit expertise to wow customers at every point of their lending journey and prompting resolution to the issues raised.
    Participating in System User Acceptance Testing & offering Business Units support and training in all bank Digital Lending Solutions.
    Providing support and training continually to bank staff on new systems, products and policy updates.
    Transaction monitoring and preparing regular reports detailing loans closed and funded through the online application process as well as applications taken through the digital channels.

    QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:

    University degree or equivalent with a minimum of 3 years banking experience. preferably in Credit.
    Must have 80% of their personal scorecards over the last 2 years.
    Proven ability to analyse complex business issues and identify, design and implement effective practical recommendations
    Experienced in project management is an added advantage.
    Able to operate in a performance driven organization.
    In-depth knowledge of Central bank Prudential and Risk Guidelines.

    Essential Knowledge

    Excellent understanding of market trends on Digital lending and competition
    Excellent knowledge of Central Bank of Kenya Prudential & Risk guidelines.
    In-depth knowledge of the core bank systems.
    A good understanding of both Credit and IT policies and procedures would be desirable.
    Expert knowledge; exhibits an exceptional degree of ingenuity, creativity and resourcefulness. Leads the development of highly advanced technologies, principles, theories and concepts. Guides and transfers knowledge to s/his team.

    Key Critical Competencies

    A team player with excellent interpersonal skills
    Strong analytical skills and problem solving skills
    The ability to work on your own initiative and manage your own workload to meet deadlines.
    Strong written and verbal communication skill with the ability to decipher technical language into business language.
    Customer Centric with the ability to offer customers to a different channel based on their channel of choice.
    Business awareness

    Solid background software lifecycle
    Strong disciplined operating rhythm
    Strong Credit background
    Experience facilitating workshops and focus groups

    Apply via :

    imbank.bamboohr.com

  • Chief Cashier – Lavington Mall Branch Branch Manager – Mombasa (Nyerere Ave.) Branch

    Chief Cashier – Lavington Mall Branch Branch Manager – Mombasa (Nyerere Ave.) Branch

    PURPOSE:
    The position is responsible for managing and supervising Branch cash services including Line Tellers, Merchant Tellers, Branch ATMs, cash repatriation, transaction authorization, staff training and conducting surprise checks to ensure that customers get the best in terms of service delivery in accordance to the Bank’s policy, procedures and guidelines. This is done in addition to ensuring that the Branch maintains optimum level of cash in liaison with the Central Cash department.
    PRIMARY RESPONSIBILITIES:

    Authorizing teller vouchers of up to Ksh. 500,000. in the Core Banking System as they are being processed;
    Reconciling cash at the end of the day through a physical cash count and monitoring the intra-day cash limits for the tellers;
    Confirming instructions and cheque payments with clients and Branches;
    Authorizing prepaid cards services such as refunds;
    Custodian of Debit and Credit card PIN mailers and ensuring there destruction when not collected;
    Monitoring ATMs and loading cash as and when needed;
    Ensuring safe custody of cash and serialized stationery;
    Liaising with Central Cash Management for cash requirement and repatriation;
    Retrieving cash and cheque deposits from the ATM;
    Working in liaison with the Branch Operations Manager for maintenance of all equipment in the Cash department;
    EOM reconciliations and statistics/Branch metrics;
    Responding to cash related queries;
    Monitoring activities in the Banking hall through the CCTV;
    Coaching, mentoring and training Tellers;
    Engaging in performance and leave management of Tellers; and
    Cross selling the Bank’s products and services.

    PERSON SPECIFICATIONS
    Academic Qualifications

    Bachelor’s degree in a Business related field from a recognized institution

    Professional Qualifications

    Part completion of CPA (K), ACCA or its equivalent.

    Experience

    At least one to three years relevant experience.

    Generic Competencies

    Technical skills;
    Ability to communicate;
    Report writing skills; and
    Numeric skills.

    Skills and Attributes

    Excellent communication and interpersonal skills;
    Excellent planning and organization skills; and
    Good people management skills.

    go to method of application »

    Use the link(s) below to apply on company website.  

    Apply via :

  • Head of Retails Credit Risk Senior Manager, Card Manager

    Head of Retails Credit Risk Senior Manager, Card Manager

    JOB PURPOSE: 
    The purpose of the job is to enhance the quality of the loan portfolio within the Retail Sector and Business Banking of the Bank, also known as Business, Personal and Premium (BPP). The role holder will serve as the Team Leader of Retail Credit Risk and support the PBB teams to enable Digital lending as well as other forms of lending. His/her role will involve being part of relevant Credit Committees and ensuring facilities approved are within the Banks’ lending policies and procedures. He /she will also be in charge of driving credit policies, credit scoring, credit analytics, coordinating Credit Risk Operations and end to end monitoring within the department as well as across the Group. He/she will help in establishment of professional credit structures, processes and credit culture for Retail Lending including implementation of various Collections strategies. Given the importance of Collections in the Retail Risk environment, local/ regional knowledge of practices will be desirable.
    KEY JOB RESPONSIBILITIES/ACCOUNTABILITIES:
    The Incumbent will report to the GM-Credit / AGM – Business, Personal and Premium Banking  and will be responsible for:
    A.   Retail Credit Risk Analysis Leadership

    Leading relevant BPP Credit Committees as required and ensuring facilities are approved within the Bank’s lending policies and procedures;
    Identifying where there are breaches of policy and putting in place controls and mitigation strategies.
    Driving portfolio growth through scaling up portfolio including digital lending within the risk parameters; strong understanding of the end to end retail process in essential for the Group.
    Developing and implementing Personal Business Banking lending analytics, credit policies, scoring and end to end monitoring including Collections.
    Focussing on the development and review of internal credit scoring for retail lending including the digital lending platform on an ongoing basis with strong credit analytics.
    Focussing on driving various growth strategies of BPP with a balanced risk approach, to ensure loss rates are within approved levels.
    Ensuring strategic alliance with collection agencies and effective monitoring of their performance.
    Assisting and managing any third party alliances for loan origination including their commercial terms, business case, credit scoring models and Service Level Agreements (SLAs), etc.
    Executive oversight of offer letters to ensure that the conditions of sanctions have been captured correctly and offer letters are free of errors.
    Ensuring Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Retail Credit Risk.
    Monitoring Legal and Regulatory developments that impact Risk and lending processes to ensure that Retail Credit compliance is within local legal and regulatory requirements at all times.
    Monitoring local and national economic indicators as they affect lending processes. 
    Reviewing of procedures and PBB credit policy in line with current needs, changing market and review of credit products
    Developing a small team of Retail Credit analysts who will provide sustainable support to the Head of Credit

    B.   Ensuring compliance with Bank Loan policies

    Ensuring credit analysts reviews requests are in compliance with laid out policies and reporting trends and issues requiring corrective actions
    Developing and providing automated Retail Credit solutions wherever possible to minimise operational losses.
    Ensuring implementation of effective controls over Retail Credit Model implementation and evaluating the efficacies of the scores generating by the Bank’s Scorecard Development team.
    Ensuring policy breaches/ exemptions are properly authorized at the correct level.
    Proactively improving the Bank’s retail credit portfolio through continuous improvement.
    Ensuring that BPP and Retail Credit operates within Risk Appetite at all times and any exceptions are appropriately authorised.

    C.    Budgeting
     

    Preparing departments budget at the beginning of the year (derived from the overall Bank budget).
    Ensuring departmental costs are maintained at approved level in the year by containing operational costs.

    QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:
     Academic & Professional Qualifications

    A Bachelor’s degree preferably in Business, Finance or Accounting.
     Professional Banking or Accountancy qualifications will be an added advantage

     Experience

    At least 10 years of Banking experience of which the last 5 years must be within a Retail Credit Risk environment.
    Experience in third party alliances and partnerships on Digital lending.
    High data rationality, detail consciousness with high analytical and numerical skills.
    Ability to interpret financial and legal documents.
    Good computer skills.

        Essential Knowledge

    Credit assessment, Management and Monitoring skills within the Retail Segment across individual and business entities segments.
    Thorough understanding of the Small and Medium Enterprises and Personal Lending dynamics associated with the lending to the PBB / Retail segment.
    Have a thorough understanding of the formulation and evaluation of Retail Credit Models. including Credit Scoring.
    Experience of local credit rating agencies would be desirable.
    Financial analytical skills and understanding of key aspects of Retail Credit Policy
    Communication & report writing skills.
    Well versed on CBK’s prudential guidelines pertaining to lending.
    Knowledge of the Bank’s operating procedures and approval process.
    General appreciation and awareness of the current business trends and practices.
    Good understanding of other markets and lending environment within the East African market

     Key Critical Competencies

    High level of people management and negotiation skills to be able to deal with different stakeholders.
    Excellent knowledge of general banking procedures and policies as well as regulations.
    Able to adjust quickly to different work situations; remain composed under pressure and stressful situations.
    Must be able to understand financial data and scoring methodologies applicable to Retail Credit.
    Attention to detail to ensure accuracy in the development of Retail Credit models; detect errors; follow through on corrections and mitigate risks as soon as they are identified.

    go to method of application »

    Use the link(s) below to apply on company website.  

    Apply via :

  • Credit Manager – Business, Premium and Personal Bank

    Credit Manager – Business, Premium and Personal Bank

    JOB PURPOSE:
    The role is responsible for managing and monitoring the credit risk exposure of clients within Business Banking, Premium Banking and Personal Banking Segments. Responsibilities include, but are not limited to credit analysis, credit approval, signatory to letters of offer and active monitoring of the portfolio to identify and mitigate credit risks. The role holder will work in conjunction with other credit and business functions in achieving the job purpose. 
    PRIMARY RESPONSIBILITIES:
    The incumbent will report to the AGM Credit – Business, Premium and Personal Banking and will be responsible for:

    Analyzing credit proposals for risk identification, measurement, mitigation and giving recommendations to the relevant credit authority for sanction/decision.
    Approving credit limits as per delegated authority.
    Advising credit decision(s) to various stakeholders within the prescribed time.
    Monitoring the portfolio for identification of early warning signs and initiating remedial action(s) including restructure and reorganization of accounts within delegated Authority.
    Liaising with the Business Segments’ Credit Analysts to ensure quality proposals are originated to enable the relevant credit authority reach quality decisions.
    Undertaking Bank- wide training on Bank’s products, credit processes and credit analysis.
    Preparing packs for presentation to Credit Risk Management Committee (CRMC) and the Board Credit Committee (BCC).
    Acting as Bank’s Power of Attorney (POA) / signatory for various documents as per Delegated Authority.
    Ensuring that Service Level Agreements and Turn Around Times are adhered to.
    Periodic review of the performance of obligors to which the Bank has exposure, including borrowers and counterparties (correspondent banks, insurers etc.)
    Acting as a liaison between the Credit Department and other departments within the Bank in developing products that address clients’ needs and ensuring that they are within the current policy and if not, seeking waiver of the same from the relevant authorities.
    Conducting off-site visits for new borrowers, accounts exhibiting signs of deterioration of credit quality, debenture backed exposures and for security monitoring.
    Reviewing inward clearing exception reports, Temporary Overdrafts and excess over limits and escalating for sanction as provided for within Delegated Authority.
    Regular market research on the industry and market events which could affect the performance of the portfolio, new products, TAT and industry best practices etc.
    Advising Credit Analysis team on the developments in the market that would affect the business.
    Supporting the Credit Monitoring unit in monitoring the various approval conditions, covenants and undertakings to ensure that all facilities maintain acceptable credit quality throughout their life.
    Participating in Credit portfolio management to reduce Gross NPL to total advances ratio.

    QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:

    Masters of Business Administration degree or its equivalent from a recognized institution will be an added advantage; and
    Bachelor’s degree in Business or a related field from a recognized institution.

    Professional Qualifications

    Professional qualification in Banking, Finance or Accounting.
    Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.

    Experience

    At least 8 years relevant experience (3 in credit).

    Skills and Attributes

    Excellent communication and interpersonal skills;
    Strong people-management and leadership skills;
    Advanced financial risk analysis skills;
    Advanced credit risk management skills;
    Excellent problem solving and decision making skills;
    Basic banking and fair knowledge of prudential guidelines;
    Ability to comprehend and handle both straight forward and complex financial /lending proposals; and
    Must demonstrate an understanding of the Bank’s products.

    Apply via :

    imbank.bamboohr.com

  • Credit Manager – Business, Premier and Personal Banking

    Credit Manager – Business, Premier and Personal Banking

    JOB PURPOSE:
    The role is responsible for managing and monitoring the credit risk exposure of clients within Business Banking, Premium Banking and Personal Banking Segments. Responsibilities include, but are not limited to credit analysis, credit approval, signatory to letters of offer and active monitoring of the portfolio to identify and mitigate credit risks. The role holder will work in conjunction with other credit and business functions in achieving the job purpose. 
    PRIMARY RESPONSIBILITIES:
    The incumbent will report to the AGM Credit – Business, Premium and Personal Banking and will be responsible for:

    Analyzing credit proposals for risk identification, measurement, mitigation and giving recommendations to the relevant credit authority for sanction/decision.
    Approving credit limits as per delegated authority.
    Advising credit decision(s) to various stakeholders within the prescribed time.
    Monitoring the portfolio for identification of early warning signs and initiating remedial action(s) including restructure and reorganization of accounts within delegated Authority.
    Liaising with the Business Segments’ Credit Analysts to ensure quality proposals are originated to enable the relevant credit authority reach quality decisions.
    Undertaking Bank- wide training on Bank’s products, credit processes and credit analysis.
    Preparing packs for presentation to Credit Risk Management Committee (CRMC) and the Board Credit Committee (BCC).
    Acting as Bank’s Power of Attorney (POA) / signatory for various documents as per Delegated Authority.
    Ensuring that Service Level Agreements and Turn Around Times are adhered to.
    Periodic review of the performance of obligors to which the Bank has exposure, including borrowers and counterparties (correspondent banks, insurers etc.)
    Acting as a liaison between the Credit Department and other departments within the Bank in developing products that address clients’ needs and ensuring that they are within the current policy and if not, seeking waiver of the same from the relevant authorities.
    Conducting off-site visits for new borrowers, accounts exhibiting signs of deterioration of credit quality, debenture backed exposures and for security monitoring.
    Reviewing inward clearing exception reports, Temporary Overdrafts and excess over limits and escalating for sanction as provided for within Delegated Authority.
    Regular market research on the industry and market events which could affect the performance of the portfolio, new products, TAT and industry best practices etc.
    Advising Credit Analysis team on the developments in the market that would affect the business.
    Supporting the Credit Monitoring unit in monitoring the various approval conditions, covenants and undertakings to ensure that all facilities maintain acceptable credit quality throughout their life.
    Participating in Credit portfolio management to reduce Gross NPL to total advances ratio.

    QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:

    Masters of Business Administration degree or its equivalent from a recognized institution will be an added advantage; and
    Bachelor’s degree in Business or a related field from a recognized institution.

    Professional Qualifications

    Professional qualification in Banking, Finance or Accounting.
    Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.

    Experience

    At least 8 years relevant experience (3 in credit).

    Skills and Attributes

    Excellent communication and interpersonal skills;
    Strong people-management and leadership skills;
    Advanced financial risk analysis skills;
    Advanced credit risk management skills;
    Excellent problem solving and decision making skills;
    Basic banking and fair knowledge of prudential guidelines;
    Ability to comprehend and handle both straight forward and complex financial /lending proposals; and
    Must demonstrate an understanding of the Bank’s products.

    Apply via :

    imbank.bamboohr.com