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

Relationship Manager – SME – Nairobi Region

JOB PURPOSE
Responsible for the effective management, control and marketing of the Banks 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

DECISION MAKING AUTHORITY

Customer onboarding as per policy
Portfolio management as per policy
Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy
KYC compliance as per policy

ACADEMIC BACKGROUND

University degree or above in a relevant business discipline e.g. business administration or finance

WORK EXPERIENCE

At least 6 years’ experience in retail banking and/or commercial banking including a minimum of 3 years sales experience. Experience in the coast region is an add advantage.

SKILLS & COMPETENCIES

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

PROFESSIONAL CERTIFICATION REQUIRED

Diploma in Banking – AKIB/ACCA/CPA (K)

Apply via :

sidianbank.co.ke

November 2, 2024
Marketing Manager

JOB PURPOSE
Responsible for ensuring proper planning and implementation of marketing strategy and implementation of marketing activities to drive business growth and create brand awareness and build Brand Equity. Support the Bank in Business Development through insightful marketing strategy, using marketing tools such as research, marketing communications, advertising and public relations.
To manage overall end to end customer experience within the Bank through all channels using well defined standards and processes. The role will drive customer experience function by formulating the Bank’s Customer experience strategy and managing the interactions between the Customer and the Bank throughout the Customer lifecycle as well as optimizing interactions from the customer’s view point to facilitate loyalty.
KEY RESPONSIBILITIES AND ACTIVITIES

Customer Experience
Marketing
Brand Positioning & Strategic Partnerships
Risk and Compliance

Customer Experience

To lead and drive a service culture in all aspects of service quality and operational excellence, so as to align behaviors with service excellence objectives.
Developing and managing relationships with key internal and external stakeholders including Regulators, IT vendors and operations to achieve customer experience objectives or correct customer experience failures
Developing analytics and framework for governance and business reviews, making proposals for enhancing customer experience.
Lead and support business strategies that build awareness, employee engagement, and create an environment that recognizes and reinforces appropriate behavior towards customers.
Create strategic alignment for Customer Experience KPIs, build and enhance a means of benchmarking service quality the competition and other service leaders and ownership throughout the organization.
Driving challenging quantitative and qualitative analyses of customer feedback, journeys and pain points using leading research practices and analytics procedures.
Develop and implement processes which enable the sharing and adapting of best practices for improving customer experience across the organization.
Participate in development of training and coaching routines to ensure employees have skills necessary to deliver a superior customer experience.
Represent the Voice of the Customer in discussion of initiatives.

Marketing

Develop & implement marketing strategy-led plans in line with the business strategy and ensure smooth execution to meet set brand & financial metrics within approved budgets
Oversee the Bank’s digital marketing efforts and management of digital assets including supervision of assets – websites, apps, social media as well as drive content strategy development & rollout to deliver highly engaged communities
Develop a deep understanding of client preferences and trends, based on research – customer satisfaction surveys, mystery shopping and focus groups
Carry out market research, competitor and customer surveys, develop and maintain market/competitor intelligence through gathering and analyzing market information
Develop structure for harnessing ideas from the bank staff and customers with a view of creating a pipeline of new innovative products & services for the Bank.
Define marketing resource requirement and ensure proper allocation across the marketing mix elements and priorities
Effectively inspire, teach, coach and develop the Marketing & Communications Team

Brand Positioning and Strategic Partnerships

Responsible for planning, development, and implementation of all of the Bank marketing strategies, corporate communications and public relations activities, both external and internal
Define the Sidian Bank brand and develop a powerful affinity brand in consumer minds
Manage the PR strategy to maintain the bank’s reputation through PR stories, in mainstream media.
Manage and evaluate sponsorship opportunities in line with the Bank’s strategy
Secure and maintain strategic key partnerships for the Bank in line with strategic objective and direction.
Manage Bank Corporate Social Responsibility Initiatives to achieve brand awareness and achieve community impact in line with Corporate Social Responsibility Pillars.
Drive a strong Public relations and Citizenship strategy
Develop and implement strategies to strengthen the brand of Sidian Bank by positioning the Bank in relation to all key stakeholders
Act as the Bank’s representative with the media, coordinate media interest in the Bank and ensure regular contact with target media and appropriate response to media requests.

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

Policies and Procedures for Marketing and Customer Experience across the Bank
Set Service standards and Service Level Agreements across the Bank
Complaints management internally, and reporting to regulatory authorities
Approval of communication both internal and external
Managing Communication to Media
Selection of Service providers for Marketing and Customer Experience – with approval from Senior Management

ACADEMIC BACKGROUND

University degree or equivalent degree in Business Administration, Marketing, Public Relations or related field
An MBA will be an added advantage

WORK EXPERIENCE

Minimum of 5 years’ experience in management within Business or Operations function with a marketing and customer facing bias.

SKILLS & COMPETENCIES

Experience leading change and inspiring teams with an exciting future vision
Be able to communicate and motivate, have good PR/interpersonal skills, have outstanding reporting skills, understand the principles of sales and marketing including market targeting, market mix and cost effectiveness

PROFESSIONAL CERTIFICATION

Membership to a Professional body i.e. Marketing Society of Kenya (MSK), Public Relations Society of Kenya (PRSK), Chartered Institute of Public Relations (CIPR), Certified Public Accountant (CPA).

Apply via :

sidianbank.co.ke

November 2, 2024
Branch Manager – Kiambu Road Relationship Manager – Kiambu Road Branch Relationship Officer – Kiambu Road Branch

JOB PURPOSE
Ensuring overall Branch Management, staff management, business growth and development, operational excellence. This role also develops and implements business strategies to deliver performance and growth targets as well as maintain good business environment.
KEY RESPONSIBILITIES AND ACTIVITIES
Strategic input and planning

Contributes to the completion of the Sidian Bank Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on branch growth objectives.
Prepares the branch budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.

Sales & Business Development

Full responsibility for all product lines and all sales and business development for entire branch business.
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.
Develop and implement a branch turnaround strategy to ensure that at least the branch is profitable.
Develop a focused relationship management system, 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.
Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
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.
Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.

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.
Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
Ensure that merchandising materials are displayed in accordance with guidelines.
Brief staff on promotional and product launches; provide regular feedback on sales performance.
Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business.
Support product specialists and the sales team 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.
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.

Branch Operations

Ensures operations meet legislative and Sidian Bank policy requirements, including health and safety requirements, by monitoring systems, procedures and workflows, and implementing corrective action.
Responsible for all security procedures within the branch including opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
Ensures adequate cash levels to support operations.
Ensures branch staff are adequately trained in KYC and AML and are adhering to the prudential guidelines.

Leadership & People Management:

With the support of Human Resources, is responsible for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
Responsible for identifying and developing career path opportunities for staff.
Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
Ensures 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.
Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.

DECISION MAKING AUTHORITY

Approval on lending discretion as per lending policy.
Approval of new accounts opened in the branch.
Approval of exceptional requests with respect to KYC on account opening.
Approval on costs within set budgets e.g. taxi expenses, facilities maintenance, petty cash spend etc.
Approval to spend on customer recovery within budgeted limit.
Making decisions on referrals for accounts under their codes.
Discretion on resource allocation within the branches under approved headcount for optimum productivity.

ACADEMIC BACKGROUND

University degree or above in a relevant business discipline e.g. business administration or finance

WORK EXPERIENCE

At least 10 years’ experience in retail banking and/or commercial banking including a minimum of 5 years proven and progressive management experience.

SKILLS & COMPETENCIES

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

PROFESSIONAL CERTIFICATION REQUIRED

Diploma in Banking – AKIB/ACCA/CPA (K)

go to method of application »

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

Apply via :

November 2, 2024
Branch Manager- Western Region Branch Manager – Nyanza Region Branch Manager – Eastern Region

JOB PURPOSE
Ensuring overall Branch Management, staff management, business growth and development, operational excellence. This role also develops and implements business strategies to deliver performance and growth targets as well as maintain good business environment.
KEY RESPONSIBILITIES AND ACTIVITIES
Strategic input and planning

Contributes to the completion of the Sidian Bank Retail Operational plan by preparing and implementing a branch business plan that encompasses strategies for performance on branch growth objectives.
Prepares the branch budget for approval and contributes to the overall control of expenditure by monitoring costs and reporting on performance against budget variations.

Sales & Business Development

Full responsibility for all product lines and all sales and business development for entire branch business.
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.
Develop and implement a branch turnaround strategy to ensure that at least the branch is profitable.
Develop a focused relationship management system, 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.
Enhance the appropriate controls and monitoring mechanisms for the development of a high-quality lending.
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.
Ensuring compliance to the Environmental Social Management (ESM) policy and procedure in day to day branch business.

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.
Understand and provide clear direction to the branch based on market analysis of local area consumer trends and competitor offerings.
Ensure that merchandising materials are displayed in accordance with guidelines.
Brief staff on promotional and product launches; provide regular feedback on sales performance.
Establish relationships with key clients or business influencers in the local area, including client entertainment within budget limits set by the business.
Support product specialists and the sales team 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.
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.

Branch Operations

Ensures operations meet legislative and Sidian Bank policy requirements, including health and safety requirements, by monitoring systems, procedures and workflows, and implementing corrective action.
Responsible for all security procedures within the branch including opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
Ensures adequate cash levels to support operations.
Ensures branch staff are adequately trained in KYC and AML and are adhering to the prudential guidelines.

Leadership & People Management:

With the support of Human Resources, is responsible for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
Responsible for identifying and developing career path opportunities for staff.
Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
Ensures 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.
Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.

DECISION MAKING AUTHORITY

Approval on lending discretion as per lending policy.
Approval of new accounts opened in the branch.
Approval of exceptional requests with respect to KYC on account opening.
Approval on costs within set budgets e.g. taxi expenses, facilities maintenance, petty cash spend etc.
Approval to spend on customer recovery within budgeted limit.
Making decisions on referrals for accounts under their codes.
Discretion on resource allocation within the branches under approved headcount for optimum productivity.

ACADEMIC BACKGROUND

University degree or above in a relevant business discipline e.g. business administration or finance

WORK EXPERIENCE

At least 10 years’ experience in retail banking and/or commercial banking including a minimum of 5 years proven and progressive management experience.

SKILLS & COMPETENCIES

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

PROFESSIONAL CERTIFICATION REQUIRED

Diploma in Banking – AKIB/ACCA/CPA (K)

go to method of application »

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

Apply via :

November 2, 2024
Business Sales Officer (BSO)

JOB PURPOSE
Reporting to the Branch Manager, the Direct Sales Representative will be responsible for acquisition and growth of sustainable Bank Business.
KEY RESPONSIBILITIES AND ACTIVITIES

Selling Retail Bank products and services in order to ensure sustainable business growth
Actively take part in sales activities organized by the Bank to acquire business
Offer excellent customer experience while interacting with customers on different channels
Gather feedback from customers on Bank products and their experience to seek improvement
Daily sharing of business acquisition reports
Continuously seek to deepen knowledge on the Bank’s offering and the Industry trends

KNOWLEDGE, SKILLS & EXPERIENCE

Excellent communication skills both oral and written
A confident person who is self-driven with strong interpersonal and negotiation skills.
A person of integrity and with good negotiation skills.
Ability to be an agent of change and Innovate with a strong desire to excel.
Ability to deliver set business targets and service with minimum supervision.
Flexible and willing to travel on short notice.
Age: 20 years – 35 years

Apply via :

sidianbank.co.ke

November 2, 2024
Loan Reconciliation Officer

JOB PURPOSE
The role is responsible for AA suspense and loan liquidation reconciliation, 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.
KEY RESPONSIBILITIES

AA Suspense, AA Integrity and Loan liquidation accounts Reconciliation
Loans processing as per SLA & TAT
Record Management
Risk & Compliance

MAIN DUTIES
Reconciliation of AA Suspense, AA Integrity Report and Loan liquidation accounts

Spooling of AA suspense and Loan liquidation data from public folder after every COB for analysis, review and regularization.
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.
Monitoring the AA suspense accounts on a daily basis.
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.
Ensure that Loan Liquidation accounts are always reviewed and regularized by relevant units
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.
Review and Analysis of AA. integrity Assure report and resolution of its problem and symptoms.
Review of AA products property classes and property conditions.
Be the Unit’s liaison between IT and System Vendors on AA related Issues.

Loans Processing as per SLA & TAT

Prompt and efficient processing of all loan products disbursement facilities in T24 core banking system.
Processing of RTGS instruction as per the credit checklist and credit approval on loan disbursed amount.
Loan termination, liquidation and pay offs of loan related facilities in core banking in respect to customers instructions and credit approval.
Processing of Fixed deposits on call and Term deposits.
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 queries 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.

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.

ACADEMIC BACKGROUND

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

WORK EXPERIENCE

At least three (3) years banking experience.
Experience in: AA suspense reconciliation, AA Integrity/Assured report, AA loan related knowledge, Credit disbursement and loan liquidation reconciliation related issues.
Prior experience in using T24 core banking system and well versed in T24 processes and procedures.

SKILLS & COMPETENCIES

Practical experience in use of relevant MS office applications, especially Excel, Word and PowerPoint, Vlookup application.
Possess thorough knowledge of banking products and services and also a wider understanding of the general banking universe/Industry.
Good communication and engagement skills.
Practical experience and understanding in use of Credit Quest (CQ).

PROFESSIONAL CERTIFICATION

Professional Banking qualification (AKIB) is an added advantage.

Apply via :

sidianbank.co.ke

November 2, 2024
Officer – Facilities

JOB PURPOSE
Facilities management is taking charge of day-to- day operations of all bank locations. This may include head office and branch locations. Job duties will typically include interacting with the Head office and bank staff, ordering and / or completing maintenance requests. Depending with whether the bank property is owned or leased, the facilities manager is in charge of landlord relationships and preparing or managing the individual facility improvement budgets for each also assisting to identify new locations if need arises for expansion
KEY RESPONSIBILITIES AND ACTIVITIES

Upkeep of organization’s owned /leased buildings, ensuring that they meet legal requirements, health and safety standards
Supervise maintenance and repair of bank facilities and equipment
Planning and designing new/existing spaces in Head Office and branch level
Oversee facility refurbishment and renovations for bank projects to ensure these are delivered on budget and within agreed timeframes
Drafting bills of quantities for bank refurbishment and renovations before engaging the vendor quotations.
Creating and managing sitting spaces in workplaces
Negotiating lease contracts on behalf of the bank and ensure they are within the market range for a given location
Evaluation of cost/benefit analysis for bank contracts in regard to facilities management, to protect the bank from overspending.
Drafting a routine maintenance for bank facilities and equipment to be used by the appointed bank vendors.
Scheduling routine inspections and emergency repairs with outside vendors.
Ensuring proper security measures for the workplace, including collaborating with security unit and system vendors or a team of security professionals.
Ensuring that the bank has all operating permits as required by the local authority.
Liaison with third parties on all major.

ACADEMIC BACKGROUND

Diploma in Architecture

WORK EXPERIENCE

Minimum of 8 Years’ experience in facilities management

Apply via :

sidianbank.co.ke

November 2, 2024
Corporate Credit Analyst

JOB PURPOSE
To provide credit risk analysis and preparation of credit proposals for approval within required quality and turn around standards. In liaison with the Relationship Managers and Branch Managers, monitor ongoing covenants and conditions as per approval / offer terms including Environmental, Climate-Related and Social risk lending terms.
KEY RESPONSIBILITIES

Work with relationship managers and branch managers during customer visits and information gathering stage to facilitate timely and high-quality credit analysis and facility/loan structuring
Support Relationship Managers and Branch Managers in monitoring ongoing lending covenants and conditions
Coordinate the early alert process of identification and monitoring of accounts showing early signs of deterioration in liaison with relationship managers and early collections teams
Compliance with the Bank’s credit policy, social and environmental risk policy and CBK prudential guidelines.

MAIN DUTIES
CREDIT ANALYSIS

Accompany relationship managers during customer visits on need basis to understand customer borrowing needs, their businesses and validating information provided.
ensure credit applications received meet minimum criteria and relevant documentation required to aid in decision making.
Analyze and structure SME, Corporate and Trade Finance facility requests and retail banking BCC applications and prepare credit applications for approval.
Credit grading of borrowers to ensure the Bank monitors migration of the risk profile of the credit portfolio
Ensure all deals presented for approval comply with product requirements/criteria, the bank’s lending policy, prudential and legal requirements and risks are highlighted and mitigated appropriately.
Ensure processing of credit applications is done within agreed TAT / SLA and meet high quality standards.
Develop & maintain god working relations with all RMs/BMs/ROs & continuously including guiding them of credit analysis and structuring of applications.

COVENANT MONITORING

Track lending covenants / conditions to ensure timely collection of management accounts, ageing debtors and creditors, stock reports as applicable.
Review account performance and facilitate annual reviews.
Escalate breach of lending terms to management for attention.

EARLY ALERT MANAGEMENT

Identification and reporting of accounts showing early signs of deterioration
Escalation of significant early signs of deterioration in borrower’s business / industry and account performance to business and credit management for attention
Continuously scan the external market environment for risk trends that may impact the loan portfolio and assessing the potential impact on borrowing customers

ENVIRONMENTAL, CLIMATE-RELATED AND SOCIAL RISK MANAGEMENT

Ensure adherence to the Bank’s Environmental, Climate-Related and Social risk policy and procedures in the credit cycle.

DECISION MAKING AUTHORITY

Recommend changes in facility structures in the best interest of the clients and the bank.
Decline facilities that are outside of the banks Risk Acceptance Criteria and set lending standards.
Taking corrective actions to protect the Bank’s interest where potential signs of deterioration are evident in a borrower’s business and account performance.
Review pricing of facilities based on the bank risk-based pricing model to ensure returns to the Bank above the minimum return and risk return requirements.

ACADEMIC BACKGROUND

University degree preferably in Accounting, Finance or Management

WORK EXPERIENCE

Five years banking experience with at least 3 years in credit risk analysis / approval

SKILLS & COMPETENCIES

Proven experience iN Credit Risk Analysis and Facility Structuring
Problem-solving attitude
Excellent analytical skills
Teamwork and leadership skills
Good understanding of the Banks credit risk policies and procedures

PROFESSIONAL CERTIFICATION

ACIB/AKIB/CPA/CCP (or equivalent) strong advantage

Apply via :

sidianbank.co.ke

November 2, 2024
Officer, Internal Audit

JOB PURPOSE
The purpose of the role is to perform objective, independent, and reliable assessments on the effectiveness of the Bank’s risk management activities, its compliance with applicable regulations, and its internal control-environment. Execution of audit duties in the planning, scheduling, coordinating, reviewing and reporting in line with professional auditing standards and bank audit requirements.
KEY RESPONSIBILITIES

Audit planning
Audit execution
Audit reporting
Monitoring and follow up

MAIN ACTIVITIES
Audit Planning

Plan and conduct risk-based & compliance audits in line with the work plan. Prepare engagement audit plans for individual assignments as per the work plan allocations.
Review and develop audit programs and testing procedures relevant to risk, compliance and audit objectives for audits allocated.
Assess and evaluate key processes as identified in the risk assessment during assignment planning.
Identify internal controls issues for key risk processes during planning to adequately test controls and processes.

Audit Execution

Perform audit procedures to verify the design and effectiveness of controls through testing and interacting with the relevant staff.
Ensure successful completion of assigned/planned audit engagements, from start to finish, inclusive of preplanning, fieldwork and wrap up activities.
Use audit project management tools to record and track an audit project progress.
Prepare of audit files for assignments allocated and ensure proper sign-off & filing of working papers.
Carry out spot checks on keys areas such as cash count etc.
Assess, evaluate and advise management on how to achieve statutory/ legal compliance;

Reporting

Prepare draft audit reports of key risks identified during execution and their respective root causes.
Discuss audit findings and recommendations with the directors and departmental heads; identify and communicate control issues noted, offering practical solutions relevant to business and related risks.
Prepare and submit timely, quality audit reports for review.
Assess, evaluate and advise management on how to achieve statutory/ legal compliance through specific and insightful recommendations.

Monitoring and Follow Up

Consistently monitor progress of implementation on the agreed management action plans by way of tracking and follow- up audits and report on any gaps observed.
Develop and maintain productive client and staff relationships.
Conduct ad-hoc/ special investigations and reviews as requested by management or Board Audit & Risk Committee (BARC).
Undertake any other tasks as assigned by Internal Audit Manager from time to time.

DECISION MAKING AUTHORITY
Decisions for this job are restricted to audits allocated as per the work plan.

Risk classification of an audit observation. i.e. whether High, Medium or Low
Verify implemented management action plan to confirm that they are adequate to satisfactorily address observed control gaps.

The Internal Audit Officer makes recommendations to the Internal Audit Manager on actions to be taken. Actions will only be taken upon approval of the recommendations.
In making the recommendations, the Internal Auditor will be guided by;

Bank’s approved policies and standard operating procedures
Relevant and applicable Acts such as the Banking Act of Kenya, POCAMLA, etc.
Regulation – Prudential guidelines, Risk Management Guidelines
Professional standards from ICPAK, IIA

ACADEMIC BACKGROUND
University degree in business preferably in accounting or finance from a recognized university.
WORK EXPERIENCE
Minimum of 3 years of experience in auditing or a minimum of 5 years operations experience in a bank.
SKILLS & COMPETENCIES

Strong interpersonal skills
Analytical skills
Team player
Report writing and general communication skills
Ability to frequently travel for long periods and on short notice

PROFESSIONAL CERTIFICATION

CPA and/or CIA and/or CISA

Apply via :

sidianbank.co.ke

November 2, 2024
Service Delivery Officer Operations Manager Relationship Officer Relationship Manager Branch Manager

JOB PURPOSE
The purpose of the role is to support the Service Delivery Manager to deliver best in class customer service to customers to maximize relationship building through accurate and timely processing of transactions, the provision of quality customer service and the promotion of Sidian Bank products, services and channels so as to achieve the bank strategy.
KEY RESPONSIBILITIES AND ACTIVITIES
Sales & Customer Service:

Ensure customer queries, requests or complaints are handled within the defined Service Level Agreements (SLAs) and Turn Around Time.
Maintains a complete understanding of all products and services offered via Sidian distribution channels, with knowledge enough to discuss product attributes fully and confidently.
Calls new and existing customer to cross sell and upsell bank products.
Contributes to the efficient operation of the branch through the accurate and timely processing of all transactions and account maintenance, including customer instructions, account information requests, account instruments etc.
Influencing customer’s decision making so that they transfer their ‘main bank’ transactional banking to Sidian and utilize Sidian range of non-term deposit products, which assists the branch meet its funding margin objective.
Contributes to the promotion of the branch by preparing displays, coordinating and distributing promotional materials and organizing functions.
Develops and maintains relationships with new and existing clients to capitalize on opportunities to cross-sell Sidian products and services to existing and potential clients.
Responsible for making referrals to Relationship Officers and Bancassurance for uptake and utilization of bank products, services and channels.
Responsible for ensuring that all accounts opened in the branch are signed up to at least one digital channel.
Ensure that customer tools are stored safely and are delivered to the customer as per the set SLA.

Operations:

Opens new accounts, completes associated documentation and loads into the banking system as per Sidian policy and procedures and contributes to the operation of the branch by maintaining a filing system and updating and monitoring client records.
always Ensures up-to-date information for all branch customers .
Ensures the accurate and timely processing and delivery of all certificates, account information, and statements to clients.
Contributes to the flow of communication within the team, by actively participating in staff meetings.
Provides information and reports as requested.
Ensure proper documentation and filing is done for all transactions.

Risk and Compliance:

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:

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 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.

DECISION MAKING AUTHORITY

To transact or refer customer request.
Limited scope for decision making as the role is extensively guided by policy and guidelines.

ACADEMIC BACKGROUND
University degree or above in a relevant business discipline e.g. business administration or finance.
WORK EXPERIENCE
No experience requirement.
SKILLS & COMPETENCIES

Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
Knowledge of relevant products and services.
Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.

PROFESSIONAL CERTIFICATION REQUIRED

Diploma in Banking – AKIB/ACCA/CPA (K) is an added advantage.

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

Apply via :

November 2, 2024