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Cooperative Bank of Kenya Job in Kenya

Are you looking for an employer who promotes individual excellence and mutual respect in a team driven culture with a key focus on social empowerment?

The Co-operative Bank of Kenya, “the kingdom Bank” is the place for those looking to new horizons.

We are looking for dynamic, creative and self oriented professionals to fill the position of:

Relationship Manager – Mortgage Finance Department

The successful person will report to the Head – Mortgage Finance Department.

Job Summary:

Reporting to the Head of Mortgage Finance, the role-holder will market for new Mortgage business, receive and appraise all loan applications, prepare and present Credit proposals, follow up and recover loans, at the same time delivering exceptional mortgage business performance by self and through the branch teams assigned, through excellent customer servicing, lead generation and transactional processing.

Main Duties:
  • Grow the mortgage finance products in volumes, value, reach, penetration and segment
  • Making sales presentations and closing deals
  • Carrying out customer support, handling customer queries and ensuring full customer satisfaction
  • Coordination and recommendation of credit applications
  • Managing Staff performance and ensuring motivation
  • Work-in-progress control on all the managed accounts.
  • Interview and review customer proposals.
  • Give feedback and market intelligence to support product uptake.
  • Create sustainable partnership with external vendors that supports growth of the product
  • Conduct a first line appraisal of the all applications within the segment.
  • Proactively market Mortgage lending to existing and prospective clients Cross-sell other services of the Bank
  • Interview, analyze and evaluate Mortgage Finance applications with emphasis on risks (business, financial, market etc.) and particular focus on repayment risk
  • Prepare and complete proposals, and make recommendations to the Mortgage Support Manager
  • Work with Branch teams to surpass set targets on Mortgage Finance by building capacity and mentoring the sales team
  • Inform annual budgets for branches assigned based on client portfolio
  • Work in co-operation with Remedial to identify and monitor problem loans and possible delinquent facilities for further action
  • Actively pursue and engage doubtful Customers so that all avenues are explored before marking the loan as poor performing or bad & doubtful (Grades 4 & 5)
  • Maintain a high degree of customer focus by site visits to the client’s business
  • Identify and solve Clients’ Credit needs by having regular meetings and providing appropriating solutions
  • Ensure full implementation and enforcement of security systems and procedures that provide a safe and secure environment for business operations in the whole Bank.
  • Conduct through and comprehensive investigations relating to security incidents, managing the scene of crime and liaise with law enforcers and security service providers.
Job specification:

The incumbent will be required to possess the following qualifications, attributes and skills:
  • Banking experience for a period not less than 3 years in Credit environment
  • A degree in business-related field or diploma in Banking
  • A good knowledge of the Banking Act
  • A good knowledge of the Bank’s credit policy and lending guidelines
  • Credit appraisal & Performance management skills
  • Financial analytical skills
  • Presentation skills
  • Report writing
  • A good knowledge of the Bank’s operating procedures
  • A general awareness of the current business trends and practices
Interested candidates meeting the above criteria should forward an application enclosing detailed Curriculum Vitae accompanied by copies of certificates and indicating the current remuneration to the address shown below by 18th March 2011.

We are an equal opportunity employer.

Only the short listed candidates will be contacted.

Please quote this reference on your application and on the envelope: RM/3/HRD/2011

The Director
Human Resources Division
Co-operative Bank of Kenya Ltd.
P.O. Box 48231-00100

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