Latest Vacancies at Sidian Bank

Banking Jobs, Latest Jobs, Career Opportunities, Job in Kenya,

Compliance Officer

JOB PURPOSE

The job holder will be responsible for performing AML/CFT/CPF compliance function. Such functions include implementing the Bank’s AML/CFT/CPF compliance program, conducting investigations, analysis, reporting and responding to Money Laundering/ Terrorism/Proliferation Financing (ML/TF/PF) cases, identifying points of compromise and potential loss.

KEY RESPONSIBILITIES

• Transaction Monitoring and Reviews
• Collaborative Partnerships
• Strengthening Risk Management
• Reporting 
• Risk & Compliance

MAIN ACTIVITIES

Transaction Monitoring and Reviews

• Implement adequate AML,CTF and CPF  controls to ensure that all possible areas of AML, CFT & CPF concerns are covered.
• Perform regular reviews of all AML, CFT & CPF controls to assess effectiveness. This includes;
• Sanction and Politically Exposed Person (PEP) screening program
• Transaction monitoring program
• Customer and Enhanced Due Diligence program
• Suspicious Activity/Transaction Reporting (SAR/STR) management program
• Adverse Media mentions review program
• Investigative orders management program
• Perform detailed analyses to detect patterns, trends, anomalies and schemes in transactions and relationships across bank’s processes/ customers/ products.

Collaborative Partnerships

• Assist in implementing a bank-wide AML/CFT/CPF program through risk awareness training program for all staff especially on identification and reporting of suspicious transactions. 
• Maintain detailed knowledge of current AML/CFT/CPF regulations and keep track of developments within the AML/CFT/CPF scope, sanctions, terrorist financing issues, including policies, procedures, regulations, industry best practice, criminal typologies and developing trends.
• Maintain strong working relationship with internal stakeholders to ensure that compliance issues are regularly discussed and addressed.

Strengthening Risk Management

• Ensure that AML/CFT/CPF procedures and processes are in line with regulatory requirements.
• Proactively identify gaps in the assigned reviews, assessments, projects and follow up on implementation of agreed mitigation controls.
• Monitor and track closure of management actions from the compliance reviews, regulators’ and External auditors’ reports.

Reporting

• Prepare regular reports on the state of AML/CFT/CPF program to the MLRO.
• Report control weaknesses or lapses to the manager in a timely manner, recommend mitigation controls or process and policy changes and follow up implementation of agreed actions.
• Execution of instructions and any other duties from the Manager Compliance/ Senior Manager Compliance, as assigned from time to time.
• Co – operate fully with regulators and law enforcement agents and make available required documents and information.

Risk & Compliance

• Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
• Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
• Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
• Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
• Co – operate fully with regulators and law enforcement agents and make available required documents and information.

DECISION-MAKING AUTHORITY

• Closure and escalation of alerts 
• Suspicious transaction to be reported 
• Appropriate documentation for use in Suspicious Activity or Transaction supporting documents  
• Transactions to be marked in the system as suspicious 
• Customers to be updated in the blacklist 
• Communications to business on awareness on issues and trends noted 
• Appropriate remediation action on implementing the banks AML/CFT/CPF program
• Training requirements for the business 
• Compliance activities to be monitored 
• High-risk accounts to be reviewed

ACADEMIC BACKGROUND

• Bachelor’s Degree in Business related course or equivalent.
• Anti-Money Laundering  Certification

WORK EXPERIENCE

• At least 4 years’ banking experience in AML/CFT/CPF in an Enterprise Risk Management function. 

SKILLS & COMPETENCIES

• Knowledge of money laundering techniques and regulations
• Knowledge of regulatory compliance requirements and risk management principles
• Demonstrable analytical skills and Experience in working with Server Query Language (SQL) and analyzing large volumes of data
• Good knowledge of payment services and operations
• Good Organizing and planning skills
• Good knowledge of payment services and operations
• Results oriented, effective communicator and a team player eager to learn and share experiences
• Proficiency in Microsoft Office Applications

PROFESSIONAL CERTIFICATION

• Certification in a professional association such as the Association of Certified Anti-Money Laundering Specialists (ACAMS)

Assistant Manager- Debt Recovery Unit

JOB PURPOSE

The job holder will be responsible for managing and recovering from the allocated Non-performing (NPLS) portfolio within all sectors of the Bank and strategizing for returning the accounts to performing status, full recovery or exit. In addition to this, the role-holder will undertake any other duty as assigned by the Manager – Debt Recovery.

KEY RESPONSIBILITIES

• Portfolio Management
• Customer Service
• Compliance & Policy Implementation

MAIN ACTIVITIES

Portfolio Management

• To proactively manage assigned portfolios and provide leadership to the team on debt collection and recovery work in identifying and promptly arresting default and thereby restrict monthly provisions within acceptable levels.
• Provisions not to exceed set budget through proactive management of overdue accounts. 
• Review proposals for restructuring, rescheduling and re-aging of distressed accounts in the loan portfolio.
• Prepare reports to aid the team’s effort in daily collections and write Back to P&L.
• Track and document early detection of problem accounts and ensure that they are escalated and acted upon as per Collections Strategy.
• Timely follow-up with Legal and other external agents on accounts to ensure efficient and effective collections and or repossession/Auction.
• Promptly attend to internal and external customer’s requests and queries either through call backs, faxing or mailing requested documents.
• Clean up of the Debt book by making relevant recommendations for approval on a continuous basis.

Customer Service

• Exceed external and internal customer expectations.
• Provide leadership and mentor new members of the team to ensure they give customers information relating to the balance and general account status information to facilitate payments and provide feedback concerning customer payment behavior.
• Minimizing customer complaints and ensuring all customer complaints are closed within the reporting period.
• Giving customer feedback on time. This involves activities like sending client’s statements as per their request and responding to any queries that they may have.
• Encouraging customers to take up more loans and open up business accounts as a means of income generation to the bank.

Risk & Compliance

• Check for sources of funds on loan repayment and escalate any suspicious or undeclared source to the Compliance Unit.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
• Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
• Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
• Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
• Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
• Co – operate fully with regulators and law enforcement agents and make available required documents and information.

DECISION-MAKING AUTHORITY

• Directly reports to the Manager Debt Recovery

ACADEMIC BACKGROUND

• Bachelor’s Degree in Business studies or Economics from a recognized university.

WORK EXPERIENCE

• A minimum of five (5) years’ experience in banking operations with at least three (3) years of experience in collections and recoveries. 
• Professional Banking qualification (CPAK) or Debt Collection will be an added advantage
• Good understanding of credit risk policies on lending and debt collection.
• Proven track record of consistently exceeding set targets.
• Excellent people management skills
• Versatility, flexibility, passion and commitment to quality service delivery
• Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.
• Good understanding of SIDIAN BANK Credit risk policy and Debt recovery Manual.

SKILLS & COMPETENCIES

Technical Competencies

• Analytical and structuring 
• Action orientation 
• Stakeholder engagement 
• Commercial awareness 
• Risk management

Behavioral Competencies

• Planning and Organizing
• Decisiveness 
•  Interpersonal skills 
• Negotiation and influencing
•  Communication and presentation

PROFESSIONAL CERTIFICATION

• Professional Banking qualification will be an added advantage

Officer – Early Collections

JOB PURPOSE

The purpose of the role is to closely monitor and collect from allocated monitoring portfolio PAR (1-90 days) i.e. Normal & Watch category) within all sectors of the Bank and strategizing for returning the accounts to performing status or and reducing slippages/attrition to NPL.

KEY RESPONSIBILITIES

• Debt Collection
• Customer Experience
• Risk & Compliance

MAIN ACTIVITIES

Debt Collection

• To proactively identify delinquent accounts (1-90 days) and promptly rectify the default to ensure minimal attrition to Non-performing Category.
• Ensure cure rate (Arrears collections) of 95%(Minimum).
• Ensure roll rate (Attrition) of 5% maximum.
• Ensure that demand letters as per the payment diary are generated and dispatched within 2-days and the respective telephone follow ups made.
• Issue pre-listing notices when the facilities are 60 days in arrears.
• Track and document early detection of problem accounts and ensure that they are escalated and acted upon as per Collections Strategy.
• Strictly monitor payment arrangements to ensure compliance and escalate hardcore cases to the next level.
• Promptly attend to customers’ requests and queries either through call backs, faxing or mailing requested documents.
• Provisions not to exceed set budget through proactive management of overdue facilities.
• Implement Credit monitoring policies. i.e. exercise the enforcement process of recovering debts through constant calling, sending of SMS’s, demand letters & emails, issuance of notices and ensure that no losses are incurred in terms of Credit Monitoring in conjunction with Legal department

Customer Experience

• Giving customers information relating to the balances and general   account status information to facilitate payments and Provide feedback concerning customer payment behavior to management.
• Prompt calling of customers using the payment diaries produced on a daily basis. Generally manage and control all matters relating to delinquency.
• Minimizing customer complaints and ensure all customer complaints are closed within the reporting period.
• Giving customer feedback on time. This involves activities like sending client’s statements as per their request and responding to any queries that they may have.
• Encouraging customers to take up more loans and open up business accounts as a means of income generation to the bank.

Risk & Compliance

• Ensure screening of clients to avoid disbursing facilities to customers with ML/TF/PF links.
• Check for sources of funds on loan repayment and escalate any suspicious or undeclared source to Compliance Unit.
• Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
• Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion

ACADEMIC BACKGROUND

• University Degree in Bachelor of commerce (Finance or Accounting) or other relevant Business Degree

WORK EXPERIENCE

• At least five (5) years’ experience in banking operations, with sound exposure to credit or lending and Credit monitoring
• Professional Banking qualification (ACIB) or Credit Administration/Credit Monitoring will be an added advantage
• Proven track record of consistently exceeding set targets.
• Versatility, flexibility, passion and commitment to quality service delivery.
• Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.
• Good understanding of SIDIAN Credit risk policy.

SKILLS & COMPETENCIES

• Experience in Ms Office packages especially Excel for analysis and reconciliation.
• Good understanding of CBK regulatory framework and pertinent regulations impacting borrowing customers.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Solid performance management and motivational skills.
• Excellent relationship building and stakeholder management skills.
• Strong planning, analytical, decision-making, lateral thinking and project management skills

Relationship Manager – Trade Finance

JOB PURPOSE

The role holder will be responsible for identifying and delivering assigned Trade Finance business through various revenue streams by marketing the trade finance products to existing and new customers directly and via Relationship Managers at Head Office and Branch network. The role supports portfolio growth, monitoring the performance of the portfolio and marketing the bank’s trade finance product offering to ensure that the set targets of portfolio growth, income and quality are achieved.

KEY RESPONSIBILITIES

• Sales & Business Development
• Relationship Management
• Strategic customer experience
• Risk & Compliance

MAIN ACTIVITIES

Sales & Business Development

• To originate deals directly, from existing and prospective clients in order to maximize customer profitability by providing innovative and value-added financing to grow a personal portfolio.
• To originate deals in conjunction with Relationship Managers from existing and prospective clients in order to maximize customer profitability by providing innovative and value-added financing.
• Innovate & develop new Trade Finance Products to grow the Banks contingent book and non-funded income streams.
• Work with Head of Department, Head Office Business Teams and Branch network to develop sales pipelines of trade related business in line within overall Account Plans and develop a sales strategy for Trade Finance products to meet sales targets in line with overall bank strategy.
• Align product process flows and the operations manual to achieve quality and efficient standards.
• To identify and translate market trends into new Trade Finance products, or re-engineering of existing products, in order to generate a profitable business.
• Originate and structure business deals, through appropriate use of term sheets and by capturing end-to-end sequence of events and mitigating any inherent risks.
• Identify general and specific opportunities and threats to position trade finance products for the overall competitive advantage of the Bank, within the stipulated service level agreements.

Relationship Management

• Develop and maintain working relationships with local and international Financial Institutions with aim of deriving Trade Finance business from the institutions.
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that both the customer and bank objectives are met, achieved by a mutual exchange and fulfillment of the brand promise.
• Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate lending, trade finance, deposit and cash management business from existing and new customers in line with the target market segments for the bank.
• To monitor competitor banks in the market. Keep abreast of their new product offerings/service developments, assess the threat to our business and plan remedial action to maintain a competitive edge for trade products throughout the country.
• Champion risk approvals for trade deals, provide risk management of trade portfolios, and structured solutions to mitigate risk.
• Provide Relationship Managers/ Business Bankers & Customers continuous trade product knowledge through training, workshop and forums to maximize trade opportunity identification/solutions.

Strategic Customer Experience

• Liaise with Trade Finance operations unit to provide support, ensure smooth deal implementation and adherence to high levels of service quality.
• Facilitate customer service issues and ensure a high level of post sales service is made available to the clients at all times.
• Drive overall client satisfaction and service benchmark of trade offering and build customer loyalty. 
• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.
• Drive overall client satisfaction and service benchmark of trade offering and build customer loyalty. 
• Onboard new customers in Trade Finance to increase our market share
• Continually drive and ensure consistent and superior client orientated culture and high-quality service delivery to trade customers. 
• Implementation and monitoring of KYC and ALM measures in line with the Bank and Regulatory requirements.
• Liaise with other departmental teams in structuring trade finance transactions, to ensure that customer needs are attended to in an efficient and timely manner while safeguarding against potential transactional risks.

Risk & Compliance

• Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
• Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
• Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
• Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
• Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
• Co – operate fully with regulators and law enforcement agents and make available required documents and information.

DECISION-MAKING AUTHORITY

• Processing of requests as delegated by the supervisor provided that such requests are within the management/credit approvals granted.
• Identify transactional risks, initiate and develop innovative trade finance instruments to suit specific business needs and circumstances.
• Review and propose for approval, terms and conditions for trade finance products with customers which are within the acceptable bank limits.
• Review and recommend for approval, pricing of trade finance services besides mapping out specific portfolio’s transactional sequence of events taking cognizance of the seniority, protection and control of the Bank’s collateral.
• Advice on legal contractual agreements, implement the product solution, monitor/control the performance, pricing approval and delivery.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least 5 years proven sales experience in Trade Finance in the banking industry – across Working Capital financing, and Trade Financing (Documentary Trade products i.e. Letters of credit, bonds & Guarantees, documentary collections etc.
• Exposure in International Trade Finance as well as Structured Trade and Commodity Finance courses is an added advantage.

SKILLS & COMPETENCIES

• In-depth technical knowledge of international trade finance products and processes. Good knowledge of Trade documentation including ICC Publications.
• Ability to utilize underlying transactions, for importers or exporters, to optimize cash flows, all underpinned by sound risk management to make trade deals happen.
• Ability to identify transactional risks and to initiate and develop innovative trade finance instruments to suite specific business needs and circumstances. 
• Ability to originate business transactions, and identify risks that would meet the broader spectrum of credit committee approvals.
• Strong negotiation and presentation skills, ability to communicate at all levels in the organization.
• Skills for analyzing and formatting data provided by finance and other sources.
• Proven track record of growing a profitable and sustainable portfolio that delivers to the banks bottom-line.
• Profound understanding of SME market, key competitors and offerings as well as our competitive edges to win quality customers.
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers;
• Highly effective communicator with excellent interpersonal and motivational skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.
• Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills.
• Credit evaluation and analysis skills with extensive business insights related to commercial loans in Cambodia context.
• Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to assess repayment capacity and financial soundness of the clients.
• Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
• In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

• Professional qualifications such as CDCS, CITF, ACIB/AKIB will be an added advantage.

Relationship Officer – Corporate Banking

JOB PURPOSE

The Relationship Officer will assist Relationship Managers to manage a portfolio of customers with the aim to maximize profitability of the overall portfolio by identifying and providing financial solutions. The role will provide support to the sales force by assisting the Relationship Managers to conduct credit reviews, risk evaluation, monitoring and control of designated RM portfolio to ensure that the department maintains quality loan Book. The Relationship Officer will also be responsible for all audit and compliance issues within the department.

KEY RESPONSIBILITIES

• Sales & Business Development support
• Maintain Quality Loan Book 
• Credit administration & audit
• Portfolio monitoring & control
• Customer experience
• Risk & Compliance

MAIN ACTIVITIES

Sales & Business Development Support

• Work with the Relationship Managers to grow the business through product volume, new client acquisition and increase the number of products held per client.
• Develop and implement client strategies in conjunction with product partners and relevant parties to identify the right product and service opportunities.
• Cultivate existing relationships, understand and anticipate clients’ needs as well as identify incremental sales opportunities.
• Visit and assess possible needs for the client or cross selling opportunities and provision of financial solutions and ensure value chain maximization; prepare & attach a call report for the client .i.e. post visit analysis of the client.
• Assist the Relationship Manager(s) in handling the administrative part of managing client relationships.
• Maintain product knowledge and work closely with the product team in crafting tailor–made solutions according to customer’s needs.
• Obtain all account opening and required documentation from the customers in order to support all customer transactions and applications.
• Act as backup for Relationship Managers during their absence (Client and business query resolutions).
• Support in Hit Lists maintenance of potential clients in the relevant sector as well as sanitization of the hit lists in liaison with the relevant stakeholders.
• Wallet Sizing – review positions with existing clients/institutions with an aim of cross selling and mining all potential available business.
• Participate in sales planning initiatives and design appropriate relationship plans to generate new business throughout marketing calls, promotions and presentations.

Maintain Quality Loan Book

• Obtain all the necessary documents for a thorough analysis of a facility request as per the bank’s lending manual & credit policy.
• Comprehensively analyze the account statistics for the last one year and ensure the credit proposals have been well analyzed and presented by liaising with the Credit team and product technical teams.
• In liaison with the potential/existing corporate client and RMs, do customer visits prior to completing the Loan application.
• Respond as appropriate to the actionable points based on the analysis of the account plans.
• Present the completed loan application to the Credit Committee and obtain its approval/decline.
• Monitor the progress on perfection of securities and ensure that the perfection of securities has been done correctly; the correct amounts have been charged, where necessary, the property has been insured against all perils for the full amount and the Bank’s interest is noted in the insurance documents.
• Confirm that all the conditions have been met by the client and complete the compliance certificate.
• Focus on portfolio growth in assets and liabilities and cross selling of other Bank’s products.
• Advise the customer on the status of their credit applications via an appropriate letter of offer/letter of reject.

Credit Administration and Audit

• Follow through of the credit application from the proposal stage to disbursement.
• Follow up on closing of outstanding covenants and advise the credit analysts appropriately.
• Ensuring the portfolio under management remains of good quality and as per the bank’s credit policy.
• Daily verifying that each client under the portfolio is within the limit/no arrears positions and there are no signs of development of ‘hardcore’ position in case of overdrafts. Ensure pre-approval of excesses is obtained.
• Promptly advise the Remedial Credit Unit clients that require their attention before the position gets from bad to worse.
• Monitor to ensure correct interest rates are marked to avoid income leakage.
• Keep abreast with the developments in the international markets, banking industry in general and particularly the industry/sector in which each of the clients operates and relate it to the client’s business.
• Obtain status reports on the client, directors, guarantors if any, suppliers etc.
• Make regular customer visits and ascertain the level of activities, stocks, etc.
• Obtain and analyse annual/management reports on annual/quarterly basis
• Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.

Portfolio Monitoring and Control:                                                                

• Effectively and efficiently manage the Department Credit Administration (PAR, Excess, and Collateral).
• Interrogation of the account plans to ensure all leads identified are closed.
• Attend and participate in the daily morning huddle for the team to drive business and focus on opportunity
• Follow up and coordinate with analysts on all facility requests and all other department requests presented to them for approval.
• Monitoring of the Departmental loans PAR to maintain a low PAR of not more than 3% on a weekly trend 
• Prepare and give responses on Corporate PAR on behalf of the Department for Early Alert Meetings.
• Ensure clients are advised on renewal of overdraft limit expiry dates to ensure timely review of overdraft limits at least 3 months prior to expiry. 
• Ensure all Fees and Commission are recovered and correct interest rates are maintained to avoid income leakage
• Ensure offer letters and all security documents are obtained and correct.
• Ensure there is proper filing and documentation on the credit files.
• Preparation of response to audit report, in charge of department audit review and implementation to ensure the department maintains a rate not lower than satisfactory.
• Managing the portfolio in compliance to Bank’s policies on KYC, AML and prudential guidelines.
• Ensure the covenants highlighted in approval conditions are adhered to consistently.
• Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.
• Ensure that as a staff you actively contribute to the department/division attaining a “Satisfactory” rating in both internal and external audit by performing your role to the required standards and adhering to all internal processes and procedures as per relevant manuals, policies and regulations of the Bank.
• Ensure that all risk management requirements within your remit are addressed and where necessary escalated through the available.

Customer Experience                                                                                 

• Make a follow up of the issues raised/captured under the call report with the customer/person/relevant department.
• Ensure that customers enjoy quality service. 
• Ensure non-investigative queries are responded to within the same day.
• Investigative client queries should be handled within 48 hours with a final or holding response
• Ensure a focused efficient and effective customer service framework which will increase the flow of business from existing customers and generate business from new customers.
• Make regular customer visits, to keep abreast of their activities.
• Provide excellent customer service and assist to open new accounts for clients and maintain necessary documents for all operations and maintain effective relationships with clients.
• Maintain knowledge of all bank products, credit standards, services and trends to provide efficient customer service.

Risk & Compliance

• Contributes to the flow of staff communications, by attending regular staff meetings – morning huddles and weekly progress meetings;
• Adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment;
• Monitor and ensure compliance of facility covenants to ensure performance and profitability;
• Provide regular call reports for all facilities to enhance our Monitoring & Evaluation;
• Monitor service delivery to bank customers to ensure high levels of efficiency and effectiveness;
• Work closely with risk and compliance units to ensure effective controls to mitigate against operational and business risks;
• Ensure implementation and compliance with operational policies and procedures, AML/CFT Policies;
• Compliance to the Environmental Social Management (ESM) policy and procedure in day to day business.

DECISION-MAKING AUTHORITY

• The RO in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities; 
• The RO is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
• Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 4 years’ experience in banking with at least 2 years in sales and business development.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Excellent Credit Quest usage skills.
• Profound understanding of SME market, key competitors and offerings as well as our competitive edges to win quality customers.
• Highly effective communicator with excellent interpersonal and motivational skills.
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills.
• Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills.
• Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to assess repayment capacity and financial soundness of the clients.
• Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications.
• In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Relationship Officer – Public Sector

JOB PURPOSE

The Job holder will be responsible for marketing to new and existing clients in order to grow quality business of both the liability and asset book in line with Public Sector Banking set targets. This role is also responsible for acquisition and retention of existing customers, and growing the wallet share from existing accounts and effective management of the relationship /customer experience. Key focus being on; Ministries, parastatals, semi-autonomous government agencies and, CDF, County governments.

KEY RESPONSIBILITIES

• Sales, Business Development & Relationship Management
• Strategic Marketing 
• Strategic customer experience
• Risk Management

MAIN ACTIVITIES

Sales, Business Development & Relationship Management

• Develop a target market database of clients in the public sector, have well defined call objectives and drive a robust calling program that will generate sales and business for the Bank.
• Making regular customer visits to contacts at Treasury, parastatals, government ministries and donor/developmental agencies with a view to obtaining opto-date information on priority projects and funding sources.
• In liaison with the Head of Public Sector, identify other potential institutions, parastatals, government ministries, donor and developmental agencies with whom we can partner/do business and who can benefit from bank’s mix of products and services.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Act as liaison between clients and internal operations team to timely and effectively understand and provide all types of banking products including but not limited to deposits, loans, trade finances and remittance for the clients.
• Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that both the customer and bank objectives are met, achieved by a mutual exchange and fulfillment of the brand promise. 
• Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate lending, trade finance, deposit and cash management business from existing and new customers in line with the target market segments for the bank.

Strategic Marketing

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Strategic product development by continuously developing and refining the bank’s products.
• Gather insights and provide recommendations that position the bank as a leading SME go to bank which focuses on entrepreneurs.

Strategic customer experience: 

• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.

Risk Management:

• Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act with respect to lending.
• Ensure customer value proposition is implemented in compliance with external and internal regulations & policies i.e. operational, credit, reputational and people risk.
• Facilitate and collect all clients’ required documents for application of banking facilities to verify their eligibility.
• Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements and other financial information.
• Solicit, build and maintain new and existing clients in accordance with the guidelines stated in the Government & Institutional Banking policies and procedures to ensure sustainable and secure deposit and loan portfolios.
• Present and provide highly professional consultations to target corporate clients to address their demands and match with the Bank’s products and services.
• Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
• Conduct financial analysis and interpret applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans and other credit facilities.
• Conduct a site visit at clients’ business premise and proffered collateral during loan assessment process to obtain in-depth information concerning the soundness of their business and purpose of loan application and ensure sufficient and acceptable security for the loan.
• Process and prepare Credit Appraisal Report for commercial applications including detailed loan appraisal write-up and detailed financial analysis of the corporate clients in order to submit for loan approval.
• Prepare and execute loan contracts and arrange loan disbursement timely and accurately to fulfill clients’ needs and satisfactions.
• Make regular site visits to existing clients to determine the actual conditions of the business and loan collateral whether it should remain the same or be downgraded as well as to develop relationships with clients as part of retention strategies.
• Closely monitor the recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level.
• Follow up delinquent clients immediately and refer such cases to higher authority to actively handle the loan portfolio.

DECISION-MAKING AUTHORITY

• The RO in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities; 
• The RO is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
• Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.

WORK EXPERIENCE

• At least 4 years’ experience in banking.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Proven track record of growing a profitable and sustainable portfolio that delivers to the banks bottom-line;
• Profound understanding of SME market, key competitors and offerings as well as our competitive edges to win quality customers;
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers;
• Highly effective communicator with excellent interpersonal and motivational skills;
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills;
• Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills;
• Credit evaluation and analysis skills with extensive business insights related to commercial loans in Cambodia context;
• Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to access repayment capacity and financial soundness of the clients;
• Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications;
• In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Relationship Manager – Public Sector

JOB PURPOSE

The Job holder will be responsible to solicit, build and maintain relationships with Public Sector Banking clients through provision of highly analytical, making regular customer visits to contacts at The National Treasury, parastatals, government ministries and donor/developmental agencies with a view to obtaining up to-date information on priority projects and funding sources. This involves growing business in terms of liabilities and assets as well as non-funded businesses in areas such as trade finance, bancassurance, forex, transactional income and channels usage from the bank’s target markets to increase share of wallet for the bank.  

The job holder will also be responsible for continuous enhancement of the breadth and depth of product lines for the business function to achieve and sustain competitive positioning in the target markets. Effective account relationship management resulting in optimization of customer satisfaction, retention and wallet share through selling multiple solutions from appropriate ranges of the bank’s product is critical.

KEY RESPONSIBILITIES

• Strategic input and planning
• Sales, Business Development & Relationship Management
• Strategic Marketing 
• Strategic customer experience
• Risk & Compliance

MAIN ACTIVITIES

Strategic input and planning:

• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs. 
• Provide input and recommendations to the Public Sector short- and long-term strategy in a bid to grow the wallet share and maximize revenue for the department. 

Sales, Business Development & Relationship Management: 

• Making regular customer visits to contacts at Treasury, parastatals, government ministries and donor/developmental agencies with a view to obtaining opto-date information on priority projects and funding sources.
• Identify opportunities for growth and new business acquisition through market research, analysis and networking.
• Develop a target market database of clients in the Bank’s desired industries/sectors, have well defined call objectives and drive a robust calling program that will generate sales and business for the Bank.
• Develop business opportunities and monitor business’s activities in line with the Bank’s long-term strategic and annual business plans and ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Act as liaison between clients and internal operations team to timely and effectively understand and provide all types of banking products including but not limited to deposits, loans, trade finances and remittance for the clients.
• Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate deposits, lending and revenues from existing and new customers in line with the enterprise strategy.
• Enhance relationship marketing and management – to establish, maintain, and enhance relationships with customers and other partners, at a profit, so that both the customer and bank objectives are met, achieved by a mutual exchange and fulfillment of the brand promise. 
• Develop a focused relationship management system, which increases the Bank’s ability to increase the flow of business and generate lending, trade finance, deposit and cash management business from existing and new customers in line with the target market segments for the bank.
• Ensure day-to-day client relationship management and engagement with customers to foster a good and lasting business partnership of the customer and the Bank.

Strategic Marketing:

• Embed strategic marketing by focusing on how to develop competitive advantage into the changing marketplace and leveraging on the banks distinctive capabilities to drive value.
• Enhance creation by creating, communicating, delivering, and offering solutions that have value for customers, shareholders and partners.
• Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
• Strategic product development by continuously developing and refining the bank’s products.
• Gather insights and provide recommendations that position the bank as a leading SME go to bank which focuses on entrepreneurs.

Strategic customer experience: 

• Promote excellent customer experience by driving and advocating customer requirements through the various functions in the bank to deliver high service standards that delight the bank’s customers.
• Key driver for not only customer satisfaction, but building a base of promoters by enhancing positive customer experience and advocacy to drive competitive advantage, leading to faster organic growth and lower cost.
• Create a differentiated customer experience design, tailored to target customer needs and optimize customer interactions with the brand, offerings, and touch points to consistently deliver and make continuous improvements to the design.
• Link sales and service and embed customer service culture as the bedrock to grow the balance sheet.

Risk & Compliance:

• Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act with respect to lending.
• Ensure customer value proposition is implemented in compliance with external and internal regulations & policies i.e. operational, credit, reputational and people risk.
• Facilitate and collect all clients’ required documents for application of banking facilities to verify their eligibility.
• Gather valid applicants’ financial records by obtaining and compiling copies of clients’ credit histories, corporate financial statements and other financial information.
• Solicit, build and maintain new and existing clients in accordance with the guidelines stated in the Public Sector Banking policies and procedures to ensure sustainable and secure deposit and loan portfolios.
• Present and provide highly professional consultations to target corporate clients to address their demands and match with the Bank’s products and services.
• Discuss credit-related issues and loan packaging to provide sound financial advice and tailored solutions for the clients as well as to take the opportunity to cross-sell other banking products.
• Conduct financial analysis and interpret applicants’ financial status, credit, property evaluations, repayment capacity to determine feasibility of granting loans and other credit facilities.
• Conduct a site visit at clients’ business premise and proffered collateral during loan assessment process to obtain in-depth information concerning the soundness of their business and purpose of loan application and ensure sufficient and acceptable security for the loan.
• Process and prepare Credit Appraisal Report for commercial applications including detailed loan appraisal write-up and detailed financial analysis of the corporate clients in order to submit for loan approval.
• Prepare and execute loan contracts and arrange loan disbursement timely and accurately to fulfill clients’ needs and satisfactions.
• Make regular site visits to existing clients to determine the actual conditions of the business and loan collateral whether it should remain the same or be downgraded as well as to develop relationships with clients as part of retention strategies.
• Closely monitor the recommended/processed loan for timely repayment and to ensure Portfolio At Risk remains within acceptable level.
• Follow up delinquent clients immediately and refer such cases to higher authority to actively handle the loan portfolio.

DECISION-MAKING AUTHORITY

• The role is highly guided by Policies and Procedures;
• Pricing structures and negotiation parameters;
• Range of products to support the client.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least five (5) years’ experience in the Financial/banking sector, three (3) of which should be in Relationship Management in the Public Sector.
• Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

• Proven track record of growing a profitable and sustainable portfolio that delivers to the banks bottom-line;
• Profound understanding of Public Sector, key competitors and offerings as well as our competitive edges to win quality customers;
• Thorough understanding of CBK regulatory framework and pertinent regulations impacting corporate customers;
• Highly effective communicator with excellent interpersonal and motivational skills;
• Strong managerial, planning, analytical, decision-making, lateral thinking and project management skills;
• Excellent customer service, client relationship management, communication, negotiation, problem solving and interpersonal skills;
• Credit evaluation and analysis skills with extensive business insights related to commercial loans in Cambodia context;
• Financial literacy and ability to interpret and analyze financial statements (audited and/or management reports) of the business in order to access repayment capacity and financial soundness of the clients;
• Sense of judgement and common sense with both qualitative and quantitative tools to provide sound and comprehensive analysis/evaluation on complex credit applications;
• In-depth knowledge of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)

Senior Relationship Officer – Custodial Services

JOB PURPOSE

The role holder will be responsible for identifying and delivering assigned custodial business through various revenue streams by marketing the custodial products to existing and new customers directly and via Relationship Managers at Head Office and Branch network. The role supports portfolio growth, monitoring the performance of the portfolio and marketing the bank’s custodial product offering to ensure that the set targets of portfolio growth, income and quality are achieved.

KEY RESPONSIBILITIES

• Sales & Business Development
• Customer Service
• Risk & Compliance

MAIN ACTIVITIES

Sales & Business Development

• To originate deals directly, from existing and prospective clients in order to maximize customer profitability by providing innovative and value-added solutions to grow a personal portfolio.
• To originate deals in conjunction with Relationship Managers from existing and prospective clients in order to maximize customer profitability by providing innovative and value-added solutions.
• Implement and drive the Custodial Services business development strategy.
• Spearhead the development and implementation of new Custody Services products and go to market strategy.
• To enhance Custody and Trustee business by facilitating favorable market practices/policies and fostering good client relationships.
• Develop a hitlist and pipeline funnel for deal conversion .
• Maintain a high level of integrity and ethical standards commensurate with the requirements of market best practice. 
• Provide a consistently high-quality overall marketing, business development and client relationship management to clients/customers & taking overall responsibility for the Custodial Services operations.
• Establish, develop and grow Bank’s custodial services offering to corporate and institutional clients, high net worth individual and investment groups positively contributing to the Bank’s Profit & Loss account.
• Drive effective sales origination, pipeline management, call reporting and conversion.
• Develop appropriate sales materials, prepare sales proposals and participate in advertised tenders.

Customer Service

• Delivery of consistent seamless customer service through maintenance of high service standards, relationship Management and partnerships for the Custody business (customers, fund managers, brokers, regulators, administrators, stakeholders).
• Leading the Custody team for efficient operations, excellent client service and business growth, to ensure profitability numbers are met and exceeded
• Ensuring that the customers’ Custodial and holistic banking needs are identified and fulfilled efficiently and cost-effectively, while managing the risks associated with new accounts; mandates; agreements; and market regulatory requirements.
• Ensure that the unit prepares and dispatches/delivers reports to Custody clients in accordance with set Service Level Agreements.
• Coordination, maintenance and compliance on duties and responsibilities under the unit trust, Trustee services and facility agency/registrar business.
• Providing a readily available, service-focused, knowledgeable and experienced point of contact for new and existing market customers.
• Oversee scoping, delivery and operations of technology needs for the Custody Business.
• Manage the operational contact between client and the operational areas by ensuring a full understanding of the client’s needs and expectations across the organisation and providing clarity for the actions required to service the client.
• Build client confidence through solid delivery of expected services such as quick response time in effecting instructions and handling queries, proper record-keeping, timely reporting on asset holding as well providing other value-added services.
• Document, coordinate and oversee resolution of problems or issues affecting the quality of service delivery and the overall client experience.

Risk & Compliance:

• Understanding of the overall risks associated with the Custody operations and ensuring there are sufficient and effective controls to manage these risks.
• Enforcement of risk excellence and compliance requirements by Coordinating internal and external audits for the unit, to ensure compliance with regulatory, audit and internal controls.
• Ensure all regulatory returns and any other information requested by the regulators are accurately compiled and submitted within the stipulated timelines.
• Ensure that Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing  compliance culture is promoted within areas of operation
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Provide guidance by consistently enforcing a top-down approach of the Anti-Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing   responsibilities
• Ensure that measures are in place   to identify, monitor and control Money Laundering/ Financing of Terrorism/ Proliferation Financing risks affecting the units through completion of Risk and Compliance Self Assessments, reporting to Risk and Compliance Functions and appropriate committees, embedding guideline policies in their operational manuals and tracking resolutions of major risk issues.
• Ensure that all staff within the Group/ Department/ Unit are well trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
• Ensure to Report suspected money laundering cases escalated by staff in the Group/ Department/ Unit to the Money Laundering Reporting Officer as soon as such incidents occur but within 12 hours of occurrence.   
• Ensure that information, data requests, and feedback are made available to the ERM department in a timely manner for effective decision making on money laundering, terrorism, and proliferation financing risks, assessments, and reporting to the regulators.
• Ensure that staff have AML/CFT/CPF Key Performance Indicators (KPIs) and disciplinary action is taken against those who violate AML/CFT/CPF policies and procedures
• Ensure that all relevant information has been provided and considered for decision-making for high-risk accounts and transactions, escalations from the Compliance Unit, and applying of exceptions to bank policy and procedures’ compliance.
• Ensure that there are adequate screening (Know Your Employee Program) procedures to ensure high standards when onboarding new staff or promoting existing ones.
• Identify major risks affecting the Group/ Department/ Unit and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated
• Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
• Attend training and maintain knowledge of and comply with all bank policies and procedures including Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules and regulations.
• Participate or undertake Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing bank programs on a regular basis e.g. taking attestations, self-assessment tests, filling in compliance questionnaires as required
• Comply and not to knowingly participate or assist in any violation of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or internal policies, procedure and guidelines.
• Report suspected money laundering cases to their respective heads of units or to the Money Laundering Reporting Officer as soon as such incidents occur immediately with a clear basis of suspicion   
• Avoid Misrepresentation and Malicious Reporting – knowingly making a false, fictitious or fraudulent representation e.g. statement, report, document.
• Avoid Tipping Off customers being investigated so as not to knowingly prejudice an investigation by disclosing information.
• Not provide advice or other assistance to individuals who attempt to violate or avoid Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing laws, rules, regulations or corporate policies.
• Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act
• Co – operate fully with regulators and law enforcement agents and make available required documents and information

DECISION-MAKING AUTHORITY

• The role is highly guided by Policies and Procedures;
• Pricing structures and negotiation parameters;
• Range of products to support the client.
• Delightful customer experience

ACADEMIC BACKGROUND

• Any Professional qualifications in ACCA, CPA (K) or a Diploma
• Bachelor’s degree and a Master’s degree in any business-related field will be an added advantage

WORK EXPERIENCE

• A minimum of 4 years’ experience in Corporate Banking, with at least 2 years in a management position with exposure in Custodial Services.
• Knowledge of global custody, asset servicing, and investment instruments.

SKILLS & COMPETENCIES

• Excellent client facing and internal communication Skills.
• Excellent written and verbal communication skills.
• Solid organizational skills including attention to detail and multitasking skills.
• Strong working knowledge of Microsoft Office.

PROFESSIONAL CERTIFICATION

• Must have Custody /CMA Approved Certification.
• Investment Administration Qualification (IAQ), Regulation & Compliance Course, Bonds and Fixed Income Markets Course. Associate of the Chartered Institute of Bankers (ACIB) qualifications will be an added advantage.

Apply Now