Jobs Kenya

Website: Website https://www.sidianbank.co.ke/

  • Core Banking & Channels Loans Processing Core Banking & Channels HR Business Partner Officer-Reconciliations

    Core Banking & Channels Loans Processing Core Banking & Channels HR Business Partner Officer-Reconciliations

    Branch: Kilimani Branch – Head Office
    Department: Information Technology
    Reports to: Manager – Core Banking & Channels
    Job Purpose:
    To provide second level user support for the T24 core banking system at both Branch and Head Office levels, and ensure T24 availability and uptime. In addition, this role will monitor performance of T24 and escalate high impact issues to the supervisor.
    Key Responsibilities and Activities:

    Provide second level support to all users at branch and Head Office.
    Review fault/incident logs to ascertain and address all T24 issues.
    Provide after hours support in line with Service Level Agreements to ensure customer satisfaction
    Ensure all faults/incidents are resolved within agreed SLAs and escalate all faults/incidents to the responsible party
    Review system environment and user requests with the sole objective of providing solutions.
    Work together with the IT team to meet the business objectives
    Conduct periodic checks on the T24 system to identify weaknesses and challenges and provide solutions.
    Implement changes as per the business needs.
    Participate in project implementation as assigned.
    Identify shortcomings on the bank’s core application system and provide solutions to improve or rectify it according to business requirements.
    Provide solutions to issues arising from the T24 banking system.

    Knowledge, Skills and Experience:

    University degree in Computer Science, Information Technology/Systems or IT related field
    Should have development experience in Temenos (T24) / other banking packages.
    At least two (2) years’ experience in T24 core banking system with strong Knowledge in T24 modules.
    Should be able to comprehend the configurations & customization requirements, provide Technical solution, wherever applicable.

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

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  • Contact Center Representative

    Contact Center Representative

    JOB PURPOSE:
    The purpose of the Contact Centre representative is to offer first line support to our customers through inbound/outbound calls, email and social media interactions. The representative offers 24-hour support on all customer queries, concerns and complaints.
    KEY RESPONSIBILITIES AND ACTIVITIES:
    Response Management

    Responding to all customer calls and providing support.
    Responding to email requests and queries.
    Managing the banks social media pages
    Responding to all branches and department request

    Customer Service Management

    Resolving all customer complaints and concerns
    Escalating and follow-up of customer issues with relevant units and branches.
    Offering support to all units and branches
    Welcome calls and health check calls to customers

    Revenue Generation

    PAR collections
    Account reactivation campaigns
    Channel usage campaigns
    Deposit mobilization activities

    DECISION MAKING AUTHORITY

    Customer resolution as per the contact center policy and procedure manual.
    Customer issue escalation as per the contact center policy and procedure manual.
    Customer complaints escalation as per contact center policy and procedure manual
    Customer complaint register as per the CBK complaints guidelines.

    ACADEMIC BACKGROUND:

    General education degree or equivalent.

    WORK EXPERIENCE:

    Experience in customer service environments an asset.
    Previous Contact Centre experience an asset.
    Experience in quality assurance for customer service or Contact Centre an asset.
    Proven interpersonal and communication skills.
    Knowledge of computer and communication systems.
    Excellent verbal and written communication skills
    Ability to learn detailed instructions quickly
    Superior problem-solving skills
    Ability to explain detailed instructions articulately and clearly
    Attention to detail
    Adaptability & Team work
    Persuasiveness, negotiation skills
    Work under pressure
    Ability to provide an outstanding customer Experience.
    Multitasking skills.
    Understanding individual needs of customers.

    Apply via :

    www.sidianbank.co.ke

  • Underwriting and Claims Officer Early Collections/Monitoring

    Underwriting and Claims Officer Early Collections/Monitoring

    Branch: Kilimani Branch – Head Office
    Department: Sidian Insurance
    Job Purpose:
    Overall Underwriting and Claims strategy and ensuring all underwriting operations comply with the company and regulatory requirements. Claims management and ensuring all claims operations follow the Company and regulatory requirements.
    Key Responsibilities:

    Daily reporting on claims (Motor, Non-Motor) claims (Age, Underwriters, Progress), SLA non-compliance
    Ensure daily back-office follow-up on claims outstanding and report to the team.
    Maintain and monitor underwriter claims SLA tracker.
    Develop and maintain all claims checklists/ requirements, communication to all relevant teams through circulars, branch training, e-shots, etc
    Ensure all claims are updated in the Insurance processing system (TQ)
    Closure of all claims tickets for all insurance classes
    Claims process documentation.
    Claims process SLA development with partner organizations and teams.
    Escalations on static claims within timelines and schedule underwriter engagements
    Preparation of combined claims reports on daily, weekly, monthly, and quarterly reporting.

    Job Requirements:

    University degree in preferably an Insurance /Business / Sales & Marketing related course
    Professional Qualifications (ACII/IIK/COP ); Diploma or above will be an added advantage
    Postgraduate Diploma in Marketing or Sales will be an added advantage
    At least 2 years experience in Insurance Claims Administration.
    Results-oriented and self-driven with a proven performance track record
    Comprehensive knowledge of General and Medical insurance products
    Good planning, organization, and reporting skills with the ability to deliver effectively under strict deadlines
    Ability to understand the impact of operational initiatives from a sales/marketing perspective
    Excellent communication, presentation, and customer service skills
    Proficiency in the use of MS Office software applications

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

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  • Relationship Officer – Emali Branch

    Relationship Officer – Emali Branch

    JOB PURPOSE
    Responsible for the effective management, control and marketing of the Bank’s Product portfolio within the branch, in line with the Bank’s policy, to ensure growth of the balance sheet and revenue.
    KEY RESPONSIBILITIES AND ACTIVITIES
    Strategic input and planning:

    Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
    Prepares a personal action plan that contributes to the overall branch budget.

    Sales & Business Development:

    Full responsibility for all product lines and all sales and business development.
    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 branch remains competitive and promptly reacts to changing market conditions and customer needs.
    Develop a focused relationship management approach, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
    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.
    Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that the both the customer and bank objectives are met achieved by a mutual exchange and fulfillment of the brand promise.
    Actively market and develop the banking products to existing and prospective clients to grow the wallet share.
    Continuously conduct market research and competitor analysis to identify new business opportunities.
    Manage relationships of key accounts while tapping on their share wallet through cross selling and upselling.
    Business development through recruiting new key accounts while harnessing their value chains.
    Maintain a comprehensive understanding of the customers’ business plans, financial projections and support requirements.

    Strategic Marketing

    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.
    Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
    Support product specialists and the sales teams in marketing of initiatives and other products to local businesses.

    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.
    Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.

    Branch Operations:

    Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.

    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.
    Ensure compliance with both internal and external regulatory requirements.
    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.

    KNOWLEDGE, SKILLS & EXPERIENCE

    University degree or above in a relevant business discipline e.g. business administration or finance
    Diploma in Banking – AKIB/ACCA/CPA (K) will be an added advantage
    At least 3 years’ experience in retail banking and/or commercial banking including a minimum of 1 year sales 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.
    Strong leadership, marketing, sales and management skills.
    Highly effective communicator with excellent interpersonal and motivational skills.
    Solid performance management and motivational skills.
    Excellent relationship building and stakeholder management skills.
    Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills

    Apply via :

    www.sidianbank.co.ke

  • Relationship Manager – Western and Nyanza Region Branch Manager – Western and Nyanza Region

    Relationship Manager – Western and Nyanza Region Branch Manager – Western and Nyanza Region

    JOB PURPOSE
    Responsible for the effective management, control and marketing of the Bank’s Product portfolio within the branch, in line with the Bank’s policy, to ensure growth of the balance sheet and revenue.
    KEY RESPONSIBILITIES AND ACTIVITIES
    Strategic input and planning:

    Contributes to the completion of the branch operational plan by preparing and implementing an individual business plan that encompasses strategies for performance on branch growth objectives.
    Prepares a personal action plan that contributes to the overall branch budget.

    Sales & Business Development:

    Full responsibility for all product lines and all sales and business development.
    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 branch remains competitive and promptly reacts to changing market conditions and customer needs.
    Develop a focused relationship management approach, which increases the branch ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
    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.
    Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that the both the customer and bank objectives are met achieved by a mutual exchange and fulfillment of the brand promise.
    Actively market and develop the banking products to existing and prospective clients to grow the wallet share.
    Continuously conduct market research and competitor analysis to identify new business opportunities.
    Manage relationships of key accounts while tapping on their share wallet through cross selling and upselling.
    Business development through recruiting new key accounts while harnessing their value chains.
    Maintain a comprehensive understanding of the customers’ business plans, financial projections and support requirements.

    Strategic Marketing

    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.
    Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
    Support product specialists and the sales teams in marketing of initiatives and other products to local businesses.

    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.
    Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.

    Branch Operations:

    Support branch operations as assigned by the Branch Manager to manage leave and other emergency situations.

    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.
    Ensure compliance with both internal and external regulatory requirements.
    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.

    KNOWLEDGE, SKILLS & EXPERIENCE

    University degree or above in a relevant business discipline e.g. business administration or finance
    Diploma in Banking – AKIB/ACCA/CPA (K) will be an added advantage
    At least 6 years’ experience in retail banking and/or commercial banking including a minimum of 3 years sales 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.
    Strong leadership, marketing, sales and management skills.
    Highly effective communicator with excellent interpersonal and motivational skills.
    Solid performance management and motivational skills.
    Excellent relationship building and stakeholder management skills.
    Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.

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

    Apply via :

  • Manager – Physical Security Projects Officer

    Manager – Physical Security Projects Officer

    Reports to: Manager – Security & Investigations
    JOB PURPOSE
    Ensures that all branches operate in a secure environment for customers, bank staff and assets. Also, to deal with all security matters arising in the branches to ensure that the security guidelines are implemented with no lapses.
    KEY RESPONSIBILITIES AND ACTIVITIES
    Guard Management

    Ensure all report on duty and are alert at strategic positions.
    Train and induct them on assignment requirements and instructions.
    Liaise with their company for replacements in case of sickness, absenteeism or laxity.
    Collect all feedbacks from branches on their daily performance and act accordingly.
    Should record the OB and all happenings within the bank and hand and take over smoothly.

    Security monitoring and Controls

    Ensures staffs are aware and adhere to the bank’s security policies.
    Monitor opening closing of all branches.
    Bank keys control and ensure proper management of the key’s registers by branches.
    Monitors CIT movements and ensures dual control is adhered to always.
    Liaise with service providers on regular CIT photo list updating.
    Intelligence collection on operational lapses and sharing of the same to management. This ensures that physical security will change tactics to deter the exposure to the threat in all branches.
    Alarm and safe codes/combination changes which require head office control and knowledge when they are done to avoid compromise and given only to vetted authorized staff with letters.
    Trains branch management staff on security matters including opening and closing drills.
    Head office advisor on security trends in the country and essential steps to take.
    Set up procedures for sharing threat information in a timely manner through law enforcement, security, or intelligence channels.
    Ensure leakage of information is handled tactically and arrest of culprits with the assistance of law enforcers.
    All bank assets moved are duly authorized from one location to another.
    Bank motor vehicle allocation, monitoring and ensure they are in a good working condition.
    Represent the bank in court cases when required.
    Custodian of physical security policy and ensure they are standardized and implemented in all branches.

    SKILLS, COMPETENCIES & EDUCATION QUALIFICATIONS

    At least five years’ security experience, preferably in a busy corporate company.
    Degree in Security management or Criminology or relevant professional qualifications
    Team player;
    Probing skills;
    Good understanding of CBK regulations;
    Wide knowledge in law and criminal procedures;
    Good oral and written communication skills;
    Keen to detail.
    Good understanding on how security electronic systems work.

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

    Apply via :

  • Channel Operations Manager

    Channel Operations Manager

    JOB PURPOSE

    Responsible for prompt and efficient handling of Channel related support functions while adhering to the set policies and procedures.

    The role shall manage the Channel Operations function which covers card production, Mobile and Internet Banking processes which are essential in providing excellent customer experience.

    KEY RESPONSIBILITIES AND ACTIVITIES

    CARD MANAGEMENT

    Authorize Card blocking/unblocking
    Ensure credit card monthly billings and actioning of customer requests
    Ensure ordering of credit and debit cards and dispatch within set TAT
    Authorization of corporate card orders and cheque book orders
    Receive and dispatch daily pin mailer order dispatch & reconciliation
    Handling all card queries are resolved within set TAT
    Ensure customers receive credit card statements within set timelines
    Management of all settlements, refunds and reversals
    Creation and enforcement of all business operations processes including merchant onboarding, service management, incident management, service level agreements

    MOBILE, INTERNET AND M-PESA FUNCTIONS

    Authorize VBS and Internet banking registration /deregistration
    Sensitization of customers on digital channels
    Reporting on various channels on various fronts
    LNM sim cards acquisition and distribution
    LNM onboarding -New applications activations, Take overs
    Whitelisting of tills/pay bills to real time settlement
    M-Pesa float management

    MONEY TRANSFER AND AGENCY BANKING

    Agency Banking – CBK approvals, opening of agency accounts, activation of agent
    Support branches on money transfer services (Western Union and Money Gram) 

    REPORTS AND OTHER FUNCTIONS

    Channel operations daily, monthly and quarterly reports preparation
    Periodically participate on reviews to the manual and automated processes, systems and procedures in place and ensure they are effective and efficient
    Ensure prevention of income leakage within channels operations
    Ensure smooth people management functions for staff including training of staff and mentorship, managing performance, employee relations etc

    DECISION MAKING AUTHORITY

    The Manager has full responsibility of channel operations, from providing direction to stakeholders to ensure service procedures and methods are compliant with Bank and best practice standards. Ensure consistency of high quality of Channel Operations through process review to provide excellent customer experience.Should provide channel dashboard which assist the management in making decision. Should escalate decisions relating change of policies and critical decisions that are contractual between service providers and the bank.

    ACADEMIC BACKGROUND

    Bachelor’s degree in a business or business related course
    Diploma in Banking-AKIB will be an added advantage

    WORK EXPERIENCE

    At least 5 years in banking preferably in operations

    SKILLS & COMPETENCIES

    Team player.
    Good interpersonal skills
    Good oral and written communication skills
    Attention to detail.
    Be able to establish own work schedule and work under minimum supervision
    Knowledge of Bank’s organizational structures and operational procedures
    Good analytical skills
    Being Pro – Active
    Acting with Integrity
    Understanding of Prudential guidelines on KYC and AML

    Apply via :

    www.sidianbank.co.ke

  • Customer Onboarding Relationship Manager – SME Banking Branch Manager – Nairobi Region

    Customer Onboarding Relationship Manager – SME Banking Branch Manager – Nairobi Region

    JOB PURPOSE

    To oversee the customer onboarding functions to ensure full compliance to Account Onboarding policies and procedures, CBK Prudential guidelines, OFAC.

    KEY RESPONSIBILITIES AND ACTIVITIES

    Approving of account opening documents/Re-Activation/ Reinstatement

    To ensure all account opening are executed as per the existing policies
    Daily vetting and supervision of accounts, ensuring that Account Opening Forms are fully compliant
    Ensuring KYC processes are followed to ensure fraud and operational losses do not occur through fraudulent account opening process
    Support the AML-KYC function at Account opening to ensure that the Bank is not at risk of money laundering activities or at risk of being non-compliant to its AML-KYC Policies, the CBK Prudential Guidelines, POTA ACT and the POCAMLA Act
    Ensure operational risk controls i.e. policies and procedures, audit report findings, dormant accounts and management of overdrawn accounts
    In charge of data integrity

    Tools Management

    Ensuring tools are ordered for new and existing customers (timely)
    Revenue assurance: Continuously analyzing revenue streams i.e. chequebook charges, debit card, credit card
    Blocking/restricting of accounts channels as per instructions
    Management of customer statement
    Oversee distribution of tools to branches on a timely manner

    Reports

    Preparing of KYC/Dormant/tools reports (monthly)

    Actioning on instruction from various bodies

    To ensure action on instructions from KRA, Kenya Police, Courts, CBK etc from time to time
    Facilitate internal and external audits

    DECISION MAKING AUTHORITY

    These decisions are made in consultation with the Head of shared services
    Decision making is guided by clearing policies and procedures and CBK Prudential guidelines
    Carry out continuous improvement initiatives within unit
    Audit and controls champion for Customer Onboarding UnitThe job holder will be responsible for decisions relating to any discrepancies on account opening form e.g. where the account is in KYC and requires to be lifted or honoured. In cases where incoming funds have an invalid account and an alternative has been provided by the branch or relationship manager
    Any KYC related issues

    ACADEMIC BACKGROUND

    Bachelor’s degree in a business course

    WORK EXPERIENCE

    At least 5 year in Banking with working knowledge of the Prudential Guidelines, AML Policies, KYC, OFAC

    SKILLS & COMPETENCIES

    Excellent interpersonal and communication skills
    Computer literate (Ms Word, Ms Excel and Windows)
    Understanding of the KBA rules and standards
    Good organizational and leadership skills
    Understanding of Prudential guidelines on KYC and AML
    Records Management
    Analytical and keen to details

    PROFESSIONAL CERTIFICATION REQUIRED

    Diploma in Banking – AKIB will be an added advantage

    go to method of application »

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

    Apply via :

  • Sales & Forex Trader

    Sales & Forex Trader

    JOB PURPOSE
    The position is responsible for generating revenue through active trading and management of the various treasury products while mitigating underlying risks to ensure growth of the bank’s forex business on a sustainable basis. The focus is to generate FX income and management of various risk for the bank in addition to funding the bank through various FX products.
    KEY RESPONSIBILITIES AND ACTIVITIES
    Profitability and Liquidity Management

    Manage pricing & spot rate given to all units for the department to ensure deals are profitably booked.
    Servicing currency requirements for corporate clients and ensuring maximum returns from these relationships
    Manage the positions generated by the corporate and retail transactions and ensure profitable covering of all transactions affecting the Bank’s currency positions and revenue targets are met within prescribed limits.
    Product development to hedge against exposure created by customer transactions e.g. spot, forward and swaps.
    Trade in Foreign Exchange to achieve budget for foreign exchange revenue.
    Keep track of exchange and interest rate movements in local and   international   markets   while   managing   the bank’s position in accordance with the market trends.

    Strategy development and Implementation

    Implement the Treasury trading strategy on all currency pairs traded based on fundamental and technical analysis in liaison with the Head of Treasury.
    Provide competitive quotes to the FX customers and cover client flows.
    Maintaining contact with key players in the industry and gathering information that is likely to affect financial markets.

    Product and Process Improvements

    Actively contribute to improvements in quality/efficiency of treasury products delivery processes
    Carrying out market survey and intelligence to establish forex opportunities.

    Compliance to Policies

    Manage all Inter-Bank Foreign Exchange trading unit activities ensuring all procedures and policies are followed without exception.
    Maintain exchange positions for the bank within the given parameters and ensure profitable covering of open FX positions in the interbank markets.

    WORK EXPERIENCE

    Hands on banking experience for a period of not less 4 years, with at least a minimum of 2 years in direct FX SPOT trading and treasury operations.
    The job holder will be handling one of the jobs in the Bank with the highest level of stress and is expected to remain focused and maintain high levels of discipline
    Comprehensive understanding of the Treasury function from end to end including the Back-Office processing component
    Comprehensive understanding of all Treasury products including foreign exchange, money markets, derivatives and fixed income
    A strong understanding of risk management
    Working knowledge of all the bank’s products

    SKILLS & COMPETENCIES

    Good working experience in a dealing room/ Treasury front office functions. Money markets, Foreign Exchange Interbank Trading & Co-operate sales.
    Experience in using Treasury Electronic dealing systems: Thomson Reuters EIKON/ FXT and Bloomberg.
    Good working relationship with Electronic FX Brokers.
    Experience in handling KEPPS system and working environment.
    Comprehensive understanding of forex business market both interbank, SME & co-operate sectors.
    Good understanding of local and global market regulations applicable to foreign exchange.
    A good understanding of micro and macroeconomics to interpret likely interest rate trends both locally and on the international markets
    Knowledge of local and international market events and their likely impact on interest rates
    Clear understanding of the Bank’s vision, mission, corporate objectives and strategy
    Networking with Central Bank and other interbank players

    EDUCATION & PROFESSIONAL QUALIFICATIONS

    Bachelor’s degree
    ACI Dealing Certificate
    Certificate in banking Kenya Institute of Bankers.

    Apply via :

    www.sidianbank.co.ke

  • Senior Manager – Credit Risk Management

    Senior Manager – Credit Risk Management

    JOB PURPOSE
    Reporting to the Director, Credit Risk Management, the Senior Manager, Credit Administration is responsible for ensuring that all documentation relating to credit applications, letter of offer conditions are met prior to loans being disbursed and continued compliance thereafter with all conditions and documentation throughout the life of the credit. Additionally, they will also ensure that security documents are safely kept and are and remain perfected as required.
    KEY RESPONSIBILITIES AND ACTIVITIES
    Securities Quality Assurance & Administration

    Allocate branch work to all Credit Administration Officer and communicate any changes to the branches in a timely manner.
    Oversee the preparation of Letter of Offer for the banks approved facilities and participate in ensuring the LOOs meet minimum quality and legal standards.
    Ensure quality of credit documentation for all credit facilities in line with the approved credit application, credit policies and procedures, prudential guidelines and other relevant legislation.
    Validate documentation requirements for various lending products as per Credit proposal and approval conditions and provide sign off for disbursement.
    Coordinate liaison with external valuers and lawyers to facilitate timely and accurate valuation and charging of properties held or to be taken as security. Handle any exceptions arising from the process.
    Monitor management of diaries and updating of securities renewable securities i.e. guarantees and indemnities, valuation reports, insurance policies, land rent & rates, set-offs.

    Custodianship

    Ensure safe custody of all securities documentation in the designated holding areas/strong rooms.
    Ensure adherence to dual control system in accessing the securities vault and other holding areas.
    Monitor movement of securities and authorize release of any securities after approval as per procedure.
    Ensure regular review and reconciliation of securities documentation during facility annual and other reviews.

    Compliance & Policy Implementation

    Track annual review of facilities and other documentation requiring periodic review including insurance, land rates etc.
    Ensure compliance with internal policies and procedures relating to lending and other areas that touch on day to day operations.
    Coordinate all audit processes and respond to all audit issue to ensure the department achieves a satisfactory rating both in internal and external audits.

    Customer Service

    Respond to all queries relating to clearance of facilities for drawdown and perfection of securities.
    Ensure prompt and precise response to customer queries via email and phone in line with set customer service standards.
    Act as liaison between Branches and other Business Teams and Credit Administration Officer to ensure seamless flow of transactions.

    Compliance & Policy Implementation

    Ensure compliance with internal policies and procedures relating to lending and other areas that touch on day to day operations.
    Actively participate in all audit processes and ensure the department achieves a satisfactory rating both in internal and external audits.
    Champion enterprise risk management for credit department and ensure a good control environment is maintained.

    Staff Management

    Developing and discussing individual performance objectives and set targets for the team.
    Continuous review of performance and offering feedback on a constant basis.
    Develop staff technical capacity by training internally, on the job as well as organizing external training.
    Ensure proper leave management and job rotation.

    DECISION MAKING AUTHORITY

    Approval of day to day credit administration transaction as per limits delegated from time to time.

    ACADEMIC BACKGROUND

    Master’s degree preferred
    University degree with minimum of Second-Class Honors, Upper Division

    WORK EXPERIENCE

    5 years’ experience in advances securities, lending, credit administration, debt management or any other area that involves critical use of analytical skills.

    SKILLS & COMPETENCIES

    Knowledge in legislation relating to perfection of securities and requirements by regulating bodies
    Knowledge of Loan Documentation is the most important component of this role, so a deep understanding of facility letters and security documents as well as security documents is mandatory.
    Sold Excel skills
    Knowledge of the Bank’s credit policies and procedures
    Excellent planning and organizing skills to manage workload and assignment of tasks to team members ensuring excellent service and TAT are met.

    PROFESSIONAL CERTIFICATION REQUIRED

    Professional Banking qualification (ACIB) or Credit Administration

    Soft copy applications onlyApply by: 24th Aug, 2020

    Apply via :

    jobs@sidianbank.co.ke