Credit Bank is an established
commercial bank and is rapidly expanding its network.
The Bank is keen on strengthening its
business development and credit units in Kenya.
Credit Administration & Monitoring
Officers (Head Office)
Ref: HRCO/002/2015
Reporting to the Chief Manager
Credit, the successful candidate will be responsible for monitoring and
ensuring that the credit portfolio is not impaired.
Key Responsibilities
- Pro-active monitoring of credit performance to
ensure timely repayment.
- Monitoring compliance by the Relationship Team
of the credit approval conditions e.g. securities, insurance, valuations,
covenants, financial information, etc.
- Reviewing loans and limits maintained in the
system to ensure they are booked as per the approval terms. i.e. amounts,
interest rates and repayment period, etc. and initiating corrective action
where required;
- Preparation of Credit Reports for daily,
weekly and monthly review of portfolio at risk.
- Maintain an effective Early Warning reporting
System of credit impairments and taking corrective action.
- Able to evaluate risk, monitor and ensure that
loan recovery is carried out timely and in an efficient manner.
- Liaising with the bank’s Legal Department and
outside debt recovery agents to ensure timely action where default is
identified.
- Propose and implement work up procedures for
impaired loans.
- Management of the NPA portfolio.
Minimum Qualifications and Experience
- Holder of Bachelors degree in a business
related field. Credit management qualifications will be added advantage
- 3 years banking experience, 2 of which should
be in Credit Administration or Credit Management.
- Must be self-driven; possess excellent
communication and interpersonal skills, strong organization and
negotiation skills.
- Creative, ambitious, self-driven and
results-oriented with an understanding of performance driven business.
Branch Credit Officers
Ref: HRC0/001/2015
Reporting to the Branch Manager, the
incumbents will manage the credit function of the branch efficiently and
effectively in order to ensure that it is a profitable line of business and
that the organization is not exposed to risks.
Key Responsibilities:
- Market and grow the credit portfolio
- Process loan application from customers
- Monitor the performance of the loan portfolio
- Ensure proper credit administration and loan
recovery..
Minimum qualification and experience
required:
- Bachelors degree in commerce / finance or
related field
- Professional qualification such as diploma in
cooperative management, diploma in micro credit, CPA is a plus
- Must currently hold a similar position with
minimum 2 years relevant work experience
- Must be able to understand and implement
credit processes
- Must be customer-service oriented
Relationship Officers
Ref:
HRRO/001/2015
Reporting to the Head of Sales, the
incumbents will grow the business by recruiting and retaining customers while
maximizing returns through cross selling and high standards of customer
service.
Key Responsibilities
- Proactively market and generate business
through client recruitment, training, deposit mobilization and
disbursement.
- Undertake regular calls and visits to customers
to ensure effective relationship management.
- Maintain up to date records of all customer
visits for all customer segments.
- Cross sell all products and services to both
existing and potential clients.
- Actively take part in business growth
initiatives including marketing activities, new business sign ups, new
partnerships etc.
- Prepare credit appraisals and present to the
Branch Credit Committee meetings.
- Address all customer queries within stipulated
Service Level Agreements (SLAs).
- Monitor the portfolio quality on daily basis
and proactively institute remedial actions.
- Maintain sound relationships with clients,
partners, and institutions with MOUs including the general public
Minimum Qualification &
Experience Required:
- University Degree preferably in a business
related field.
- At least 3 years’ experience in Banking with
exposure to some or all of the following functions: Sales (Personal /
Business / Retail), Relationship Management, Treasury and Customer
Service.
- Experience in Credit analysis and Administration
will be an advantage.
- Good interpersonal, presentation, problem
solving, and communication skills
- Ability to build strong networks.
- Excellent analytical, planning, organization
and execution skills.
Relationship Managers
Ref. HRRM/001/2015
Reporting to the Head of Sales, the
incumbent will manage and sustain a portfolio of both Asset and Liability
Customers, building long term relationships founded on efficient and reliable
support for their business.
S/he will also execute integrated sales, relationship, and credit strategies that are aligned with the banking business plan to achieve desired revenue and service hurdles.
Key Responsibilities:
1. Sales:
- Proactively source, grow, own and support
team’s portfolio profitability by identifying new and existing customer
potential in the commercial space, including sales opportunities and new
product promotion initiatives.
- Achieve personal production goals by expanding
existing relationships and acquiring new business through referrals from
existing clients, while utilising effective calling techniques and
leveraging banks products and services.
- Make call visits focused on generating
business from prospective clients. Follow up with solid, on-time proposals
and close sales with efficiency and efficacy.
- Probe within customer base for needs and
opportunities to cross-sell to other business segments Establish
credibility and overall profitability for the Bank and the Client by the
skilful application of specialist knowledge to deal with diverse client environments
and provide qualified leads to relevant areas within the bank, e.g.
Treasury and Trade Finance
- Fully accountable for the relationship with
the client, which incorporates integrating and co-ordinating all contact
between the Bank and the client.
- Formulate business development strategies and
objectives to meet changing market needs including where necessary
strengthening cross border relationships with clients operating in more
than one country.
- Proactively research competitive
threats/opportunities within the team’s market and geographical area
- Monitor and ensure adherence to risk service
standards.
- Ensure compliance from a KYC and AML
standpoint to minimise reputation risk on the part of the bank.
2. Service:
- Maintain customer advocacy and client
retention by providing exceptional customer service in every customer
transaction.
- Resolve customer complaints/issues promptly
and effectively.
- Communicate all key messages to customers
including agreed service standards, negotiated pricing, relationship team
contact points and new product changes.
- Interface with counterparts in different
segments (e.g. consumer banking, trade services, treasury) to ensure
ongoing communication with regard to existing and future customer needs.
- Pipeline tracking and monitoring.
- Adhere to operational controls, including
legal, corporate, and regulatory procedures to ensure the safety and
security of customer and bank assets.
Minimum Qualification &
Experience Required:
- Degree in any business related subject
- Have at least 3 years’ experience in
relationship and/or client management
- Strong selling and negotiation skills
- Strong presentation skills
- Self-driven individual requiring little or
minimal supervision
- Exceptional relationship skills
- Credit risk skills
- Communication skills
- Team working
- Ambitious and committed to customer service
and excellence
- Detailed knowledge and understanding of
relevant legislation e.g. KYC, Anti-Money Laundering, banking code,
service standards etc.
How to Apply
If you believe that you have the required qualifications and experience to fill in the above positions, kindly send your detailed resume together with a cover letter clearly indicating the Ref number to reach the undersigned by 30th April 2015
If you believe that you have the required qualifications and experience to fill in the above positions, kindly send your detailed resume together with a cover letter clearly indicating the Ref number to reach the undersigned by 30th April 2015
Head of Human Resources
Credit Bank Limited,
P.O. Box 61064-00200,
Nairobi
Credit Bank Limited,
P.O. Box 61064-00200,
Nairobi
OR
eMail career@creditbankltd.co.ke
Only short listed candidates will be contacted.
Credit Bank Limited is an equal opportunity employer.
Applications are welcomed from all
suitably qualified Kenyan Nationals irrespective of age, gender, race or
disability.
All applications will be treated on
merit basis through fair and open competition.