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Banking Jobs in Kenya - Credit Bank

Credit Bank Career Opportunity

To support our growth strategy, we are looking for dynamic, results-oriented professional with strong credentials and relevant work experience to fill the following position:
Branch Manager – Kisii
Reporting to the Chief Manager Operations & Branches, the incumbent will be responsible for achievement of business targets and effective management of branch operations within the regulatory framework and the Bank’s policies and risk guidelines.
Main Duties:

·         Ensure Branch profitability through growth of loans and commissions
·         Business planning and growth (deposits and loans) as well as customer growth and retention
·         Management of risks- ensure internal controls, physical security of cash and ensure overall adherence to the laid down policies at the his/her Branch
·         Implementation of the staff targets and ensuring that the Branch targets are met
·         Staff Management- maintain staff discipline, supervision, training, coaching and development
·         Ensure that all required branch reconciliations are done accurately and in a timely manner
·         Ensure Good Customer Service at the branch at all times to ensure member satisfaction and retention
·         Assist the marketing team to identifying and forwarding customer need to aid in developing attractive products & Services
·         Enhancing loan recoveries to ensure low Branch PAR
·         Controls the utilization of, and ensuring proper maintenance and custody of all assets at the branch.
·         In liaison with operations/ finance department, ensure adequate branch liquidity and that there is enough cash at all paying points
·         Management information reporting and integrity
·         Profit improvement and cost management
Minimum qualification and experience required:
·         Undergraduate University Degree in a related field
·         Minimum 5 years’ working experience in a Banking environment, with demonstrated achievements in Business development, Branch Operations, Credit Management, 3 of which should be at a management level.
·         Proficiency in computer use including MS Office tools and banking systems, preferably T24
·         Knowledge of Banking and Business Operations: Well round knowledge of ALL the Bank’s operations and processes and excellent knowledge of Bank policies and procedures
·         Risk Management: Ability to anticipate and mitigate risk by implementing appropriate Risk Management Policies for the Bank
·         Audit Standards and Legislations: Good knowledge of International Accounting and Audit Standards, and Legislations
·         Compliance and Regulatory Framework: Top notch understanding of the regulatory issues, reporting and operational requirement as provided by CBK, KRA, KIB, etc.
·         Conceptual and Analytical Skills: Ability to quickly grasp and understand systems and keen to detail
·         Technology Skills: Knowledge of computerized banking applications and spreadsheets
·         Credit Skills- Good Knowledge of personal and business credit underwriting and portfolio management

Regional Managers
Reporting to the Chief Manager Operations & Branches, the incumbent will responsible to provide strong overall leadership and planning of activities/initiatives to a designated region of branch managers designed to achieve long term business growth and profitability as well as manage and build a sales and service culture throughout the designated region, developing staff capability, and enabling the achievement of increased market acceptance and Credit Bank Product penetration.
Main Duties:
·         Primarily responsible for achieving region performance targets in:
·         Funding growth / retention – savings a/c’s, current accounts and term deposits
·         Lending growth / retention – SME and retail banking
·         Transactional Banking – deepening mobile banking, debit cards, and internet banking
·         Insurance product sales
·         Fee income growth
·         Arrears and NPA management
·         Effective implementation of a high performance sales culture for the staff in the region.

·         Primarily responsible for all loan applications approved within the region including timely completion and approval within quality parameters determined by Credit Bank lending policy.
·         Maintain a complete understanding of all Credit Bank products offered via the Credit Bank distribution channels, with knowledge sufficient to discuss product attributes fully and confidently. Emphasis will be on engaging with clients to complete full financial analysis with goal of widening clients’ relationship with Credit Bank.
·         Lead and support the business development efforts of region branches by role modelling, through meeting with local business professionals and key clients to gauge Credit Bank profile and feedback on any issues, speaking at regional marketing functions and responding to customer’s correspondence if necessary.
·         Identify, research, formulate and implement approved retail opportunities in conjunction with branch managers that are congruent with Credit bank strategic direction and contribute to growth and profitability within the region.
·         Direct and oversee the formulation, implementation and monitoring of approved business plans, operating plans, budgets and capital expenditure requests in line with Credit Bank strategic goals and objectives for branches within the region.
·         Lead local branch teams in the execution of the approved strategy at a local tactical level.
·         Regular monitoring of performance against strategy and recommendations of any tactical adjustments necessary.
·         Responsible for the performance management of Direct Sales staff stationed in the region.
·         Assist branch managers in the development, implementation, and support of branch training plans so that staff members are able to meet and/or exceed their individual performance targets.
·         Meet with Branches regularly including performance reviews with Managers and meeting with staff directly to discuss their own performance and ambitions and to discuss progress and barriers to performance success in order to manage outcomes.
·         Identify and develop talent within the region.
Minimum qualification and experience required:
·         Undergraduate University Degree in a related field. Masters degree will be an added advantage.
·         Minimum 7 years’ working experience in a reputable commercial bank in Kenya, with demonstrated achievements in Business development, Branch Operations, Credit Management, 3 of which should be as a regional manager
·         Experience in sales strategy formulation and implementation will be required with extensive demonstrated sales, leadership and marketing experience.
·         Demonstrated leadership experience, including supervision and development of staff.
·         Substantial experience of lending and funding processes
·         Demonstrated business development, skills and capability Preferred
·         Knowledge of the local region
·         Experience/familiarity with all banking products development life cycle, processes, and systems
·         Experience in gaining efficiencies and striving for operational excellence
Personal Qualities
·         Ability to take an enterprise and thought leadership approach
·         Extensive relationship building and networking skills
·         Excellent interpersonal communication skills
·         Confidence in public speaking
·         Excellent motivation, coaching and leadership skills.
·         Sound strategic thinking skills
·         Target-driven
·         Excellent organizational and co-ordination skills
·         Ability to prioritize and manage time with urgent and sudden changes in workflows
·         Ability to meet multiple deadlines from varying sources
·         Self-motivated with a positive “can do” attitude
·         Sound decision making/analytical/problem solving skills
·         Good analytical and report writing skills
How to Apply
If you believe that you have the required qualifications and experience to fill in the above position, kindly send your detailed resume together with a cover letter clearly indicating demonstrated experience in the region of choice and current remuneration to reach the undersigned by January 15 2019:
Head of Human Resources
Credit Bank Limited,
P.O. Box 61064-00200,
Only short listed candidates will be contacted.

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