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Relationship Manager – Business Developmen(Log Books Loans)
RELATIONSHIP OFFICERS – BUSINESS DEVELOPMENT (LOG BOOK LOANS)– RO-BD/03/24
Reporting to the Relationship Manager – Business Development, the position holder will be responsible for providing supervision and direction to the independent sales executives and support them in achieving their goals in line with their business deliverables under log book loans.
DUTIES AND RESPONSIBILITIES
- To promote spiritual growth among fellow staff, customers and other associated parties.
- Supervise and manage the Independent Sales Agents to improve productivity and achieve set targets in the assigned area.
- Develop prospective customer relations through appropriate sales methods to optimize quality of service, business growth, and customer and satisfaction.
- Monitor and report on market and competitor activities and provide relevant reports and information.
- Participate in the recruitment process of the Independent Sales Agents within the region assigned
- Acquire new business through the Independent Sales Agents channel in order to grow the loan book.
- Conduct regular performance appraisals for direct reports.
- Identify opportunities for cross-selling interactions.
- Increase customer retention by engaging customers through the loan process and maintaining records of the same.
- Support Relationship Managers & Branch Managers with customer research for business growth and customer value chain analysis for problem resolution.
- Assess training needs on an ongoing basis and conduct team meetings and training, as necessary.
- Ensure that 100%security perfection for all log books used as security.
Qualifications & Key Competencies
- Must be a practicing Christian who lives and upholds Christian Values, with a passion to serve.
- A minimum grade of C+ (plus) in KCSE
- An undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized institution.
- Knowledge in Sales and Marketing, credit lending, as well as relevant experience in the Banking sector will be an added advantage.
- A minimum of three (3) years in a Sales position in a financial Institution. Previous experience as Sales Team Leader of logbook loans will be an added advantage.
- Proficiency in computers is mandatory.
- Good interpersonal & communication skills with excellent customer service.
- A team player with the drive to improve performance.
- Persuasive with strong recognition skills.
- Self-driven and possess the ability to work with minimum supervision
- Aged between 32 and 40 years
Senior Teller
SENIOR TELLERS: – SNR. T/03/24
Job Summary:
Reporting to the Branch Manager, the successful candidate will be responsible for managing tellers, control movement of money from/to strong room and tellers and ensure tellers observe laid down policies and procedures in performing their duties.
Summary of Key Duties and Responsibilities:
- To promote spiritual growth among fellow staff, customers and other associated parties.
- Branch administration roles e.g. link person for service providers at the branch.
- Daily reconciliation of cash (360 degrees view) and submitting daily reports of transactional volumes.
- Monitor the bank safe/strong room, coordinate distribution on money to other tellers, and ensure the balances of all tellers tally at end of day.
- Ensure matters related to Money Laundering and KYC are strongly embedded in the daily operations. These include account opening and reviews, transaction monitoring, reporting suspicions, implementing new requirements, acquire relevant knowledge and training, provide support to superior and subordinates
- Actively drive growth in customer numbers and ensure full adherence to the customer on-boarding Policies & Procedures.
- Drive transaction volumes on alternative banking channels
- Review and ensure all revenue are collected as required and report any revenue leaks.
- Ensure optimal staff productivity is maintained through support, mentorship, TAT and customer service.
- Ensure that a comprehensive database of information on all existing relationships and prospective ones are kept
Qualifications and Key Competencies
- Must be a practicing Christian who lives and upholds Christian Values, with a passion to serve.
- A Degree or Diploma in a Business related area from a reputable institution; A professional certification in accounting, finance or economics will be an added advantage
- A minimum of 5 years Banking experience both in Banking Operations & Credit Management; with at Least 3 years experience as Teller or cashier in a financial institution will be an added advantage
- Ability to deliver results and meet customer expectations
- Good knowledge of Banking and the various Banking products and services
- Well versed on Risk Management with analytical skills
- Excellent communication and interpersonal skills
- Problem Solving and analytical skills
- Self-driven, results-oriented individual with a positive outlook
- Good people management & leadership skills
- Between 33 to 40 years of age
Branch Manager
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BRANCH MANAGER: – BM/03/24
The successful candidates will be responsible for steering the Branch into high level performance through proper supervision, people management and enforcing a customer-centric culture at the Branch.
Key Duties & Responsibilities
- To champion and support the Spiritual formations and rhythms in the Bank, in order to maintain a focus on the Bank’s Christ-centered culture.
- To promote spiritual growth among fellow staff, customers and other associated parties.
- Take the leadership role at the Branch and mentor the Branch staff towards the achievement of the Banks’ Mission, Vision and the Banks’ Strategic Objectives.
- Ensure the Branch attains the set targets in the following parameters; High standards of Customer Service, Customer Retention, Deposits, Healthy Loan Portfolio.
- Develop and maintain critical relationships at the Branch to enhance business Development
- Enhance relationships with SME’s, High Net worth Individuals, Churches and Institutions to grow business.
- Maintain a balanced portfolio on Church, SME, and Retail and Corporate deposits.
- Implement strategies on penetration of business segments, markets and sectors.
- Ensure growth of non-funded income business including transactional, alternate and direct banking business.
- Ensure staff productivity is maintained through support, mentorship, and TAT and customer service.
- Ensure compliance with both internal and external regulatory requirements.
- Working closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with Business.
Key Qualities, Qualifications & Competencies
- Must be a practicing Christian who lives and upholds Christian Values, with a passion to serve.
- A minimum grade of C+ (plus) in KCSE
- Undergraduate university degree in Business related field
- Professional qualifications in Credit Management (CCP) and/or Diploma in Banking is mandatory
- Minimum of 5 years banking experience; both in Banking Operations and Credit Management, 2 of which must have been in a supervisory or managerial position in a Micro Finance or Commercial Bank.
- Experience in a Micro Finance Institution will be an added advantage
- Must be adept in ICT, and working knowledge of T24 will be an added advantage
- Good people Management skills and proven ability to achieve results through others
- Have excellent negotiation, sales and marketing skills
- Strong customer centric skills
- Excellent report writing and presentation skills.
- Self-driven, results-oriented individual with a positive outlook
- Must have a clear focus on high portfolio quality and business profit
- Able to get on with others and be a team-player with excellent interpersonal skills
- Between 35 to 45 years of age
Business Development Officers
BUSINESS DEVELOPMENT OFFICERS – BDO 03/24
Responsible for
Qualified and interested candidates who meet the criteria should download the “Job Application Form” at HYPERLINK “http://www.smep.co.ke/careers”www.smep.co.ke/careers, and send their filled applications to HYPERLINK “mailto:recruitment@smep.co.ke”recruitment@smep.co.ke, indicating the Job Title & Reference on the e-mail subject. The deadline for applications is Friday 22nd March, 2024. Only shortlisted candidates will be contacted.
business development through marketing and recruiting of customers, processing and disbursement of loans and ensure timely collection of the same to ensure healthy portfolio and a happy and satisfied customer base.
KEY DUTIES AND RESPONSIBILITIES
- To promote spiritual growth among fellow staff, customers and other associated parties.
- Responsible for Marketing of Banks products and services
- Actively drive growth in customer numbers and ensure full adherence to the customer on-boarding Policies and Procedures
- Facilitate recruitment and registration of clients in existing and new groups
- Stimulate client training on SMEP policies, procedures and basic business skills, loans, business, e.t.c.
- Ensure that all clients contribute weekly savings and repay their loans on time
- Responsible to evaluate clients’ businesses and determine whether they are worth the amount applied for
- Responsible for client evaluations and loan processing.
- Responsible for maintaining a quality asset portfolio as per the Banks requirements
- Responsible for preparation and submissions of timely daily, weekly, monthly and quarterly reports as per the Banks’ requirements to the respective Office Holders.
- Responsible for recording, verifying and assessing the chattels offered for loans with assistance of the Branch Manager
- Ensure follow-up of defaulters and collection of arrears
- Responsible for record keeping for all clients e.g. savings, loan status etc.
- Ensure client retention through excellent customer service
Key Qualities, Qualifications & Competencies:
- Must be a practicing Christian who lives and upholds Christian Values, with a passion to serve.
- A minimum grade of C+ (plus) in KCSE
- An undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized institution.
- Knowledge in Sales and Marketing, credit risk management, credit lending, as well as relevant experience in the Banking sector will be an added advantage.
- Proficiency in computers is mandatory.
- Ability to analyze and interpret financial statements
- Clear understanding of microfinance/banking industry is an added advantage.
- Good interpersonal & communication skills with excellent customer service.
- A team player with the drive to improve performance.
- Persuasive with strong recognition skills,
- Self-driven and possess the ability to work with minimum supervision
- Ability to work independently under minimum supervision.
- Aged between 28 and 35 years.