Job Description
Reporting to the Business Growth & Development Manager, the job holder will source for clients, retain them and maximize returns to the company by ensuring timely loan processing and payment. Growth of Liability, Asset, Bancassurance and quality Retail loan book in the branch through effective management of the Sales Teams.
KEY MEASURABLE GOALS
Growth in number of clients through Salaried loans Supervision of Sales Consultant team for optimum performance Monitoring and evaluation of the sales team. Optimizing the number of Sales Consultants per branch. Grow Deposits through signed up MOUs Ensure timely and diligent verification of loans Timely loan disbursement and repayments.
KEY RESPONSIBILITIES
Portfolio growth and management
Outreach/recruitment activities in customer on-boarding
Growth of Deposits both Cheap and Term deposit in line with the Bank Strategy
Growth of the Loan book through quality disbursements.
Growth of all Bancassurance products through all the Bank distribution
Identify schools, Government office, Churches and Corporates in areas of operations
On time Disbursement
Client retention and on time service delivery
To champion Salaried loans in the Branches
Facilitate timely employer by-products and reconciliations and remittances
Relationship Management of existing Schemes within the jurisdiction.
Recruitment, training and effective supervision of Sales Consultants
Performance Monitoring of Sales Consultants
Value addition by expanding the revenue basket through salary processing in existing relationships.
Loan underwriting/processing
Thorough documents scrutinization i.e. pay slips, national ID, staff IDs, etc
Ensuring every application is approved by the authorized signatories by conducting work station verification.
Documentation due diligence and integrity
Compliance to audit standards and company policy
Proper management of TAT on all loan applications.
Training Role
Dissemination of information to prospective clients about Faulu.
Recruitment, Continuous SCs training and Motivation
Client motivation and enhanced relationship management.
Ensuring clients understand operations policy
Default management
Ensuring requisite employers’ approvals on all application.
Understanding the underlying causes of default
Compliance to policy in the initial period of recruitment
Ensuring all the applications meets the third rule
Prompt payment collection
Timely Salary processing for the customers
A link with the public
Liaise with local administration
Ensure well-managed relationships with the institutional heads of various Corporates.
Ensure well-managed relationship with HR functions of the serviced institutions and all relevant contacts.
Ensure maximum value is derived from all existing and new partnership arrangements.
AML KYC & CFT Responsibilities
Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)
Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within my area of responsibility
Education
Essential- Bachelor’s degree in any social sciences
Desired- Diploma in sales and marketing
Knowledge and Skills
Advanced knowledge in marketing and credit risk management.
Good analytical skills especially using the business analysis tools
Experience
At least 2 years related experience.
At least 3 years in a sales related role
Personal Attributes
Good communication and interpersonal skills.
Excellent problem solving and decision-making skills.
Team player/thinker
A person of high integrity and professional decorum. Keen on timely achievement targets and
Physical demands
Constant Travel
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