Jamii Bora Bank
Job Title: Officer, Cash & Operations
Job Title: Officer, Cash & Operations
Reports To: Branch Manager
Department: Retail Banking
Division: Business
Grade: 2
Core Value Behaviors
Core Value Behaviors
- Teamwork: ”We
work together to make Jamii Bora better”
- Innovation: “We
are driven by creativity, innovation and continuous improvement”
- Professionalism:
“We are qualified, skilled and committed to serve our customers”
- Integrity: “How
we do business is as important as the business we do so we do the right
thing always”
Job Purpose: The purpose of the role
is to support the Branch Manager in a small to medium branch by effectively
supervising the frontline cash and operations staff to deliver best in class
customer service to customers to maximize relationship building so as to
achieve the bank strategy to “grow market share by building our reputation as
an efficient, innovative and customer centric enterprise bank”
Key Responsibilities
- Ensure delivery
of high quality service at back office, teller line and service units •
Enhance productivity of tellers and customer service staff • Enhance
uptake and utilization of products and channels during service
- Minimize
exposures to and impact of operational risks through application of
policies and procedures
Main Activities
Cash Management:
- Ensures the
branch and vaults are opened and closed on a timely basis
- Facilitates
teller cash movement to and from the vault as per SLA
- Manage, sorting
and maintain cash limits both at Central Cash and Branches and ensure
prompt expatriation of excesses
- Ensure that
foreign cash held is within the set limit
- Hold in joint
custody keys to vault cash compartments and enforces dual control
procedures at all times
- Ensure cash
differences are minimized and reported promptly as per the laid-down
policies and procedures
- Maintains
proper teller and vault cash levels, including ordering of coins and notes
- Oversees teller
duties and assists with customer transactions during peak periods
- Balances and
troubleshoots ATM/debit card concerns
- Maintain branch
petty cash
Sales & Customer Service:
- Ensure customer
Queries, Requests or Complaints are handled within the defined Service Level
Agreements (SLAs) and Turn Around Time (ATM, Mobile Banking, Queue
Management)
- Ensures
excellent customer service skills are practiced by all the teller staff
members
- Training of
tellers and customer service assistants on products, service, policies, procedures,
branch security, health and safety and consumer protection
- Floor
management to ensure customers are well taken care of and address any
concerns on the branch floor
- Ensure the
front line team are engaging customers for upselling and cross selling to
ensure uptake and utilization of banks products and channels
- Endeavors to
increase deposits by new and existing clients by identifying and
evaluating client needs’ through observation, listening and questioning
techniques, and ensuring quality recommendations that will satisfy the
client and influence their decision-making process towards JBB and
therefore meeting JBB longer term strategic goals
- Maximum
cross-selling of JBB products including ABC products to both existing and
new customers
Branch administration:
- Key custodian
of the Branch Audit with a view to maintain and exceed the set target
- Ensures and
maintains checks and balances of all Bank books and General Ledgers,
collect the requisite incomes due.
- Keeps staff
informed of pertinent changes in operational policy and procedures
- Prepares teller
performance appraisals and disciplinary notices as required
- Schedules
tellers for adequate coverage at all times
- Performs
pre-audits/snap-checks to ensure ongoing adherence with compliance
procedures
- Maintains and
tests alarms and other security devices
- Maintains
adequate supplies of stationeries, furniture and fittings, e.t.c at the
branch
- Reports branch
safety concerns to administration
- Ensure
adherence to budget and identify opportunities for cost efficiency
Qualification and Experience
Requirements
- University
Degree from a recognized university
- Diploma in
banking is an added advantage
- 2 years’
experience in banking with at least 1 year as a teller
How to Apply
Apply online at http://www.jamiiborabank.co.ke/careers
Apply online at http://www.jamiiborabank.co.ke/careers
Job Title:Information
Security Officer
Reports To: Head of Enterprise Risk & Compliance
Department:Enterprise
Risk & Compliance
Division: Governance
Grade: 4
Core Value Behaviors
Core Value Behaviors
- Teamwork: ”We
work together to make Jamii Bora better”
- Innovation: “We
are driven by creativity, innovation and continuous improvement”
- Professionalism:
“We are qualified, skilled and committed to serve our customers”
- Integrity: “How
we do business is as important as the business we do so we do the right
thing always”
Job Purpose: This role exists to
provide support in continuous review of JBB systems and in recommending
mitigation measures against risks and issues identified with a view to improve
confidentiality, integrity and availability of JBB information and information
processing systems so as to achieve the bank’s core strategy to “grow market
share by building our reputation as an efficient, innovative and customer
centric enterprise bank”
Key Responsibilities
- Review of JBB’s
critical systems, recommendation and implementation of appropriate and
adequate IT security controls to mitigate and minimize information
security risks. Continuous review of controls in place to identify and
close gaps and provide continuous assurance on the security of the bank’s
information systems
- Consistency in
achieving compliance requirements, optimal efficiency and cost containment
with regard to information systems security
- Robustness of
the bank’s information system security and effectiveness of systems
(policies, processes, procedures and tools) in escalating and
investigating with IS security violations
Main Activities
- Develop and
maintain the JBB strategic information security program and plan, taking
into consideration business and legal requirements, risk (likelihood and
impact), and criticality; and building consensus among stakeholders
- Develop,
maintain and enforce JBB information and cyber security policies and
practices designed to protect sensitive corporate assets, ensure data
privacy, and comply with laws and regulations, including the Payment Card
Industry (PCI), CBK and other applicable privacy laws
- Develop,
maintain and enforce JBB information security policies and procedures, for
example: Identification of sensitive data and policies/practices regarding
the identification of sensitive data as well as practices for information
labeling, handling and storage
- Ensure
technology solutions adhere to best practices and meet security
requirements, including Software-as-a Service (SaaS) contracts,
Infrastructure-as-a-Service (IaaS) contracts, Platform-as-a-Service (PaaS)
contracts and customized software development solutions
- Manage
contractors and outsourcers providing information technology services to JBB,
including managed security services, infrastructure engineering,
operations, desktop support, and software development to ensure compliance
with JBB policies and requirements
- Ensure
contracts with third parties contain appropriate security language, including
data privacy and protection language required. Develop, maintain and
manage a third party security assessment program for key vendor
relationship and third party providers
- Manage the JBB
Incident Response Plan. Perform incident response planning, including
developing, maintaining and enforcing the JBB Incident Response Plan in
addition to managing security incidents if/when they occur. This would
include coordinating incidents, if applicable, with associated third party
providers and, if applicable, multiple regulatory organizations and
stakeholders
- Perform
continuous reviews of users of systems with emphasis on exits, joiners and
internal movements, and take appropriate corrective actions where there
are deviations. Liaise with business heads to continuously confirm and
update rights and privileges of users in the bank by maintaining the user
matrix and ensuring integrity as per laid won procedures
- Perform
continuous review of systems, including technical penetration testing and
vulnerability assessment of systems. Communicate finding with IT
management and follow up issues to closure
- Perform daily
reviews of logs and audit trail of key and critical JBB systems as per the
program of work
- Provide IT
security support for the IT related projects carried out during the year,
ensuring compliance with JBB policies and best practice
- Provide IT
security support to Security Services and Internal Audit
- Carry out on
effective information security awareness program in the bank
- Keep abreast of
the fast changing information systems exposures/ threats and ensure that
adequate and up to date information systems security measures are in place
for the maximum protection of JBB information assets
- Carry out
information security assignments as will be allocated from time to time by
the Head of Enterprise Risk & Compliance
Qualification and Experience
Requirements
- University
degree in Computer Science or Information Technology
- Minimum 5 years
working experience, with at least 2 years’ experience in a busy IT
environment
- One industry
Security Certification such as a valid and current CISSP, CISA or CISM
certification is mandatory
- Working
Knowledge of SQL data base, Linux security tools
- Working
technical knowledge of ATMs will be an advantage
- Experience in
audit of systems will be an advantage
- Working
experience with Intrusion detection systems and SIEMs solution
- Solid Knowledge
of information security objectives, principles and practices
- Experience in
development and implementation of relevant polices
- Experience in
penetration and vulnerability testing is preferred
- Experience in
network management, Database management, banking systems and other
business applications is preferred i.e. SQL data base, Linux and windows
How to Apply
Apply online at http://www.jamiiborabank.co.ke/careers
Apply online at http://www.jamiiborabank.co.ke/careers
Job Title: Head of Credit
Reports To: CEO
Department: Credit
Division: Business Support
Grade: 6
Core Value Behaviors
Core Value Behaviors
- Teamwork: ”We
work together to make Jamii Bora better”
- Innovation: “We
are driven by creativity, innovation and continuous improvement”
- Professionalism:
“We are qualified, skilled and committed to serve our customers”
- Integrity: “How
we do business is as important as the business we do so we do the right
thing always”
Job Purpose: The Head of Credit
provides overall leadership of the credit function to grow and maintain a
quality loan asset book that maximizes returns and satisfaction to all
stakeholders so as to achieve the bank’s core strategy to “grow market share by
building our reputation as an efficient, innovative and customer centric
enterprise bank”
Key Responsibilities
- Quality of
Credit Risk Management services (approvals, disbursements, reports and
remedial management) in supporting business goals
- Minimization of
exposures and impacts of credit risks
- Safe custody
and ease of retrieval of credit securities
- Successful
application risk-based pricing models
Main Activities
- Keep the Head
of Enterprise Risk Management & Compliance informed of significant
credit risk related issues that may jeopardize the achievement of the
Bank's goals
- Ensure that the
credit processes within the Bank are operating effectively and efficiently
toward achieving high operating standards
- Support Jamii
Bora Bank in formulating and recommending annual risk strategy (i.e.,
capital allocations, risk distribution, return on capital guidelines etc.)
to the Board Risk Committee
- Review and
revise the existing policies and procedures for the business relevant to
credit risk in light of changing market conditions based on leading
practices and CBK regulations and guidelines to ensure that a sound
environment for identifying, assessing, measuring, monitoring and
controlling credit risk is in place
- Ensure
compliance with established/ approved credit risk policies and procedures
and ensure that a sound environment for measuring, monitoring and
controlling credit risk is in place
- Continually
review Sectoral ceilings; discretionary authorities; portfolio measures;
including industry limits, tenor limits, risk rating, NPLs, risk
acceptance criteria, security acceptance and credit risk matrices
- Optimise
effectiveness and utilization of credit quest in Credit application
processing and risk management
- Ensuring that
provisioning policies are in line with the Bank’s Credit Policy Document,
comply with Banking Act provisions and co-ordinate with Finance Division
to ensure appropriate provisions and interest suspensions are effected in
the Bank’s accounting systems
- Ensure
continued maintenance of a quality portfolio in line with JBB standards as
stipulated in policy guidelines
- Ensure the use
of a standardized process for evaluating credit proposals, and ensure that
all approved credits are in line with the Bank's credit risk strategy and
policies that reflects the bank's tolerance for risk
- Implementation
of automated processes to minimize manual interventions thereby increasing
efficiencies in delivery of credit products at both personal and
enterprise lending levels
- Provide ongoing
relevant training to all bank staff involved in lending business to
address identified skill gaps
- Identification
and management of the substandard and non-performing assets portfolio of
the Bank in line with the Credit Policy Document and recommend action to
EXCO and the Board, which minimise losses and facilitate full recovery of
any exposure taken by the bank
- Initiate review
of industry and sector economic analysis and compile statistical
information including macro-economic information, indices and provide
feedback to the Senior Management Team, EXCO and the Board on the possible
impact of identified trends
- Provide
technical support to the Executive Committee on the management of the
Bank’s credit portfolio and the review and approval process for credit
proposals
- Management of
the credit administration aspects of the portfolio, including ensuring
that all requisite security documentations are in place prior to
disbursements
- Ensure
generation of adequate reports for analysis of the credit portfolio
including, but not limited to portfolio concentration risk and portfolio
quality and Provide timely and accurate information to the external and
internal auditors and the Compliance function as and when required
- Lead the
identification, assessment and measurement of the Bank's credit risks at
the transactional and overall portfolio level
- Build and
maintain strong and effective relationship with the all other related
units to achieve the section's goals/ objectives
Qualification and Experience
Requirements
- 10 years’
experience in banking 5 of which should be in credit and at least 5 years
in senior management
- University
degree preferably in Economics, Finance or Business Administration with a
strong foundation in statistics
- Minimum of 10
years’ experience in banking, across a cross section of products and
business types
- Familiarity
with accounting standards, not only with regard to client financials and
their analysis, but also with regard to the treatment and reflection of
business/product types
- Good command
over organisational activities and associated risks, both at a micro and
overview level, and the ability to prepare and present policies governing
the same
- Strong
analytical and interpreting skills on exposures data, and related
market/economy knowledge, so as to discern and present risks
- Strong
presentational skills, and the ability to effectively relate with external
and internal parties, in obtaining data/information/views, and the
dissemination of policy prescriptions and credit risk management
recommendation
How to Apply
Apply online at http://www.jamiiborabank.co.ke/careers
Apply online at http://www.jamiiborabank.co.ke/careers
Job Title: Senior Relationship Officer
Reports To: Branch Manager
Department: Retail Banking
Division: Business
Grade: 3
Core Value Behaviors
Core Value Behaviors
- Teamwork: ”We
work together to make Jamii Bora better”
- Innovation: “We
are driven by creativity, innovation and continuous improvement”
- Professionalism:
“We are qualified, skilled and committed to serve our customers”
- Integrity: “How
we do business is as important as the business we do so we do the right
thing always”
Job Purpose: The purpose of the role is to support the
Branch Manager in sales and business development activities in the branch so as
to grow the branch balance sheet so as to achieve the bank strategy to “grow
market share by building our reputation as an efficient, innovative and
customer centric enterprise bank”
Key Responsibilities
- To deliver a
high quality client service and customer retention approach to managing
client relationships to enhance product sales and new client growth
targets
- Achieve agreed
individual performance targets for deposit growth, income generation,
product sales and new client growth targets
- Enhance uptake
and utilization of products and channels during service
- Minimize
exposures to and impact of operational risks through application of
policies and procedures
Main Activities
Relationship Management:
- Proactively
develop client relationships, anticipate and provide solutions to client needs
and give high priority to client satisfaction, with responsibility for
meeting or exceeding agreed performance targets and objectives,
particularly those relating to net new deposits, income generation,
product sales and new client growth targets
- Ensure that
client instructions are duly effected by applying all standard checks and
controls, coordinating with other departments including credit and
operations
- Accurately
assess the risk profile, suitability and appropriateness of clients when
marketing products and services by maintaining an accurate and up to date
call report, KYC database
- Research and
maintain knowledge to ensure adherence with all applicable regulatory
requirements and Compliance policy and procedures, and adhere to all such
standards
- Ensure customer
Queries, Requests or Complaints are handled within the defined Service
Level Agreements (SLAs) and Turn Around Time
- Endeavors to
increase deposits by new and existing clients by identifying and
evaluating client needs’ through observation, listening and questioning
techniques, and ensuring quality recommendations that will satisfy the
client and influence their decision-making process towards JBB and
therefore meeting JBB longer term strategic goals
- Ensure the
front line team are engaging customers for upselling and cross selling to
ensure uptake and utilization of banks products and channels
- Influencing
customer’s decision making so that they transfer their ‘main bank’
transactional banking to JBB and utilise JBB range of non-term deposit products,
which assists the branch meet its funding margin objective
- Maintains a
complete understanding of all products and services offered via JBB
distribution channels, with knowledge sufficient to discuss product
attributes fully and confidently
- Develops and
maintains relationships with new and existing clients in order to
capitalise on opportunities to cross-sell JBB products and services to
existing and potential clients
Branch administration:
- Keeps staff
informed of pertinent changes in operational policy and procedures
- Performs
pre-audits to ensure ongoing adherence with compliance procedures
- Ensure
adherence to budget and identify opportunities for cost efficiency
- Prepares
information and reports for the Branch Manager for assigned sector and
business segment
Qualification and Experience
Requirements
- University
Degree in a Business Related Field
- Four years’
experience in banking with at least 2 in sales
- Practical experience in use of MS Office tools with high proficiency in Power Point and Excel
How to Apply
Apply online at http://www.jamiiborabank.co.ke/careers
Apply online at http://www.jamiiborabank.co.ke/careers