Consolidated
Bank is Kenya’s SME bank of choice that provides flexible financial solutions
which support our customers in achieving success.
The
Bank is well positioned, with a presence in majority of the country’s business
hubs to continually offer pleasant and convenient services.
Business Development Managers
Overall Purpose
The position is responsible for driving and delivering excellent business performance through powerful leadership of the branch Business Development team.
The
position is also tasked with ensuring optimum productivity, a high
quality/yielding loan book and outstanding customer service.
Key Responsibilities
- Be the key
driver of deposit mobilization and liabilities growth for the branch.
- Drive the growth
of business current accounts and savings accounts for the branch.
- Spearhead the
credit function of the branch by ensuring a high quality loan book and
growth.
- Vetting of all
branch appraisal reports to ensure that they comply with the banks credit
appraisals and administration policy.
- Periodically
review the manuals and automated processes, systems and procedures in
place to ensure they are effective and efficient, while adhering to the
bank’s credit policies and procedures.
- Effective
monitoring of loan repayments and mitigating risks related to defaults and
periodically reviewing the loan portfolio of the Branch to manage likely
problem areas.
- Ensures
regulatory compliance and implementation of effective anti-money
laundering procedures, controls.
- Ensures high
level of customer relations is maintained by all staff in Business
Development unit so as to attain 100% rating in customer satisfaction.
- Ensure
prevention of income leakage and drive for efficient and effective
collection of revenue
- Ensures smooth
people management functions for staff including training of staff,
managing performance, employee relations at department level.
Qualifications
and competencies
- Degree in
Business Administration, Marketing, Commerce or related field.
- Professional
Banking qualifications will be added advantage.
- A minimum of 5
years experience in sales in the Banking sector, 3 of which should be at
management level.
- Strong
leadership, communication and team building skills with ability to manage
diverse teams.
- Self driven with
a strong commercial orientation.
Internal Audit Officer
Overall Purpose
The position is responsible for providing independent and objective assurance and consulting services designed to add value and improve the bank’s operations and performance.
Key Responsibilities
- Conduct
assurance reviews of the assigned banking operations and functional
activities.
- Evaluate the
adequacy and effectiveness of the management controls over those
operations.
- Evaluate
organizational units to ensure that they are performing their planning,
accounting, custodial, risk management and control activities in
compliance with applicable policies and procedures in a manner that is
consistent with the bank’s mission and regulatory frameworks.
- Assist/participate
in the preparation of annual audit plan.
- Plan and execute
assigned engagements in accordance with accepted auditing standards.
- Report
engagement observation and make practical recommendations for correction
unsatisfactory conditions, improving operations and reducing costs.
- Perform special
assignments as requested by management from time to time
Qualifications
and competencies
- Bachelor’s
degree in finance and/or business management.
- CPA and CISA.
- 3 years relevant
working experience in audit in a banking/financial environment.
Recoveries Officer
Overall Purpose
The position is responsible for the collection and management of the non performing asset portfolio of the Bank
Key Responsibilities
- Make contact
with defaulting Customers either by calling or visiting them with an aim
of negotiating settlement of arrears.
- Issuing demand
letters to Customers who have fallen into arrears
- Work closely
with legal department in the issuance of Statutory notices
- Work closely
with branches and Relationship Managers on their Bad debt portfolio
- Ensure the loan
book is properly graded
- Meet set
Collections and Recoveries targets
- Make provisions
for Bad debts in line with CBK prudential guidelines and the Bank’s credit
policy
- Prepare monthly
reports to the Management on the Bad debt portfolio and make
recommendations for write offs, restructures and full and final
settlements
- Liaise with
Lawyers, Auctioneers, Debt Collectors and Private Investigators on cases
referred to them and handle any day to day correspondence.
- Prepare
documentary evidence and where necessary attend court to give evidence on
behalf of the Bank when called upon to do so
- Maintain all
credit files and documents to ensure easy retrieval and safe custody.
Qualifications
and competencies
- A Bachelors
degree in Finance, Accounting, Banking or other related subject.
- 5 years relevant
working experience in debt recovery in a Bank or Financial Institution.
- Knowledge of
debt recovery and realization process
- Good organizational
and administrative skills.
- Good analytical
skills.
- Strong
negotiation skills
Manager, Central Processing
Overall Purpose
Reporting to the Head of Operations, the position is responsible for managing an effective and efficient central processing department that should lead to higher profitability and prudent cost management in line with the Operations strategy.
Key Responsibilities
- Build, develop
and motivate a high performing team capable of delivering business results.
- Drive a
performance management culture that will deliver the agreed individual
objectives and goals in alignment with the Operations strategy.
- Achieve
financial targets set on non-funded income through robust revenue
collection initiatives and control mechanisms.
- Develop and
maintain KYC monitoring process to ensure full compliance with Central
Bank of Kenya prudential guidelines.
- Provide
operational support to the branch network in line with set service level
agreements to achieve exceptional customer service standards.
- Develop and
maintain procedures on cards and central processing to support the
business and to meet customer service requirements.
- Liaise with
various service providers to ensure maintenance of the set standard
service level agreements at the most cost effective price.
- Review all daily
and monthly reconciliation reports to ensure any issues are addressed
appropriately to minimize operational losses.
- Develop plans on
minimizing frauds and create awareness on prevention/detection to the
staff in operations.
- Develop an
effective archiving system and ensure adherence to the relevant laws.
- Ensure all
regulatory reports/returns are done in time to minimize losses or
penalties for non-compliance.
- Develop customer
complaints handling procedures and ensure closures.
- Ensure clearing
settlement industry standards are maintained to reduce non-compliance
related costs.
Qualifications
and competencies
- Bachelor’s
degree preferably in business Management or equivalent
- 5 years relevant
working experience in Banking.
- Thorough
knowledge of central processing.
- Interpersonal,
communication, listening, planning and negotiation skills.
- Ability to
handle customer complaints.
- Problem solving
and extensive computer knowledge.
- Technical report
writing.
Relationship Officer, Retail and SME
Overall Purpose
The position is responsible for business & product performance analysis, SME market analysis and product development/improvement in the same market.
The
position is also responsible for driving and delivering excellent business
performance through aggressive marketing of Bank products to corporate clients,
through value chain management; while managing and maintaining their
relationship.
Key Responsibilities
- Business and product
performance analysis.
- Aggressive
marketing for new MOU’s with corporate clients on behalf of the Branches
for Retail Business.
- Linking the
branches to the corporate Retail Business after MOU’s establishments.
- Conduct SME
&Retail Market surveys.
- Spear head
product review and new product development in line with emerging customer
needs.
- Support branch
Managers in managing and driving the SME/Retail Business TAT.
- Manage and
Monitor the Direct Sales Performance across the Branch network.
- In liaison with
the Business Development Officers review customer demands and
recommendations and submit to management for auctioning where necessary.
- Manage
relationships and maintain all relationships with the corporate clients
with the MOU’s with the Bank.
- In liaison with
Credit Admin, ensure timely disbursement of all facilities in the Retail
& SME pipeline.
- Support Branch
teams in Loan analysis.
- Effective
monitoring of loan repayments and mitigating risks related to defaults and
periodically reviewing the loan portfolio to manage likely problem
products/branches.
- Ensures
regulatory compliance and implementation of effective anti-money
laundering procedures and controls.
- Keep abreast of
new development in customer preference and advices management on relevant
changes.
- Develop and
manage personal loan targets as agreed.
- Manage customer
relations under personal portfolio and ensure lasting relations are
established with all clients.
Qualifications
and competencies
- Bachelor’s
degree preferably in business Management or equivalent
- 4 years
experience in banking especially Retail & SME Markets
- Good marketing
and communications skills
- High proficiency
in the use of M-S Office
- Understanding of
Prudential guidelines on KYC
- Analytical
skills.
Interested
and suitably qualified candidates should forward their applications, enclosing
copies of their academic and professional certificates, detailed CV indicating
work experience, daytime contacts and addresses of 3 professionally relevant
referees to reach the undersigned by Friday, 24th May 2013.
Applications should be addressed to:
Applications should be addressed to:
The Head of Human Resources
Consolidated Bank of Kenya Ltd
P.O. Box 51133 – 00200 – City Square
Nairobi