Job Openings at HF Group

Reporting To: Sales Manager, Direct Sales    

Overall Job Purpose

The Team Leader – Direct Sales will be responsible for growing the Retail Sales portfolio, balance sheet, and effective management of sales staff in order to manage cost and maximize profitability.

Principle Accountabilities

• Drive Regional set targets through customer growth and retention across all lines; deposits, lending, Cards, Agent banking and NFI.
• Deposit mobilization.
• Plan, drive and monitor the Regional Branch sales strategies through segment focus, customer focus needs-based selling.
• Develop and refine Regional sales toolkits, client materials and training to reflect the various target proposition.
• Performance Management- Run daily, weekly and monthly reviews with the sales staff to ensure the Teams are constantly engaged and ahead of targets.
• Cost management and Revenue Generation.
• Drive cheap deposits to reduce on the cost of funds.
• People management.
• Implement effective HR standards and strategies, manage succession plan, and retain key talent, constant discipline in performance management
• Motivate, Coach and Energize the Branches staff positively to deliver the best results
• Engage the team in constant Training to address training needs, implement training road maps to ensure an engaged Team
• Implement processes to prevent mis-selling, misrepresentation, fraud and adherence to customer data confidentiality principles
• Ensure the Team adhere to all KYC guidelines and procedures, comply with local regulatory requirements, reflect best practices
• Ensure the team comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer
• Tracking and monitoring of TAT for the segment and working with stakeholders to ensure targets are met.
• Manage the sales staff by providing ongoing individual coaching and training to assure ensure achievement of sales goals, member retention and deepening member relationships.
• Continuous review & appraisal of sales staff performance and immediate corrective action.
• Ensure sales staff are motivated for maximum productivity
• Cultivate a team culture that enhances support for each other to ensure overall productivity.
• Arrange, conduct or recommend appropriate training for branch staff to enable them carry out their duties effectively & efficiently.
• Ensure discipline and adherence to staff code of ethics by sales staff.
• Ensure planned leave schedule & execution for branch sales staff.Implement processes to prevent mis-selling, misrepresentation, fraud and adherence to customer data confidentiality principles
• Ensure the Team adhere to all KYC guidelines and procedures, comply with local regulatory requirements, reflect best practices
• Ensure the team comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer
• Tracking and monitoring of TAT and errors for sales staff and working with stakeholders to ensure targets are met

Minimum Qualifications, Knowledge and Experience

• A Bachelor’s degree.
• Minimum of 3 years’ experience in sales management within the Banking Industry.
• Demonstrate knowledge of banking operations.

Key Competencies and Skills

• Computer/IT skills, including knowledge of Microsoft office applications e.g. Word; Excel; PowerPoint etc.
• General knowledge in banking processes.
• Excellent written and oral communication skills.
• Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
• Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
• Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention and problem-solving skills.
• Basic analytical ability with active listening skills.
• Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
• Ability to maintain confidentiality of sensitive information.
• Willingness to adapt to changing business needs and deadlines.

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Overall Job Purpose

The Manager, Trade Finance Middle Office will be responsible for: -

• Support the day-to-day operational activities of Trade Finance unit and ensure trade finance transactions are processed promptly and accurately and within policy guidelines.
• Trade finance portfolio management – both funded and non-funded facilities.
• Management of agents to ensure adherence to the terms and conditions and actively monitoring the underlying contracts

Principle Accountabilities

• Support the day-to-day operational activities of trade finance and ensure transactions are processed promptly and accurately and within policy guidelines.
• Portfolio management and daily reconciliation of trade finance transactions i.e. guarantees, letters of credit, documentary collections and trade loans.
• Processing of incoming and outgoing enquiries, instructions, physical documents with clients to fulfil the Service Level Agreement (SLA) standards agreed with internal and external stakeholders.
• Attend to customers’ queries and advise on trade finance - related matters.
• Liaise with both internal and external stakeholders i.e. Relationship Teams, Trade Operations, other Operational units and Clients.
• Focus on transaction execution, facilitating enquiries and servicing clients’ requests, product development and maintenance, as well as reporting.
• Act as control point to ensure all bank and regulatory requirements are fulfilled and post-transaction monitoring.
• Ensure adherence to AML/KYC.
• Provide support to other banking operational functions which include Treasury, Finance, Channels, Customer Service in relation.
• Daily cash flow management, cash utilization, financing limits, margin calls, cash flow forecast.
• Regular reports to management on cash positions, limit utilization, efficiency and analysis of costs of utilized lines.
• Regular challenging of existing credit facilities, verification of commissions and bank charges, improvement of bank charges and costs.
• Monitoring Performance of the underlying contracts for contract related transactions.
• Management of agents to ensure adherence to the terms and conditions and actively monitoring the underlying contracts.
• Coordinating with HFIA in regards to insurance matters such as placing covers and/or claim handling.
• Ensure smooth deal implementation and while maintaining high levels of service quality.
• Identify opportunities for cross selling and referrals to other HFC business lines through developing a good understanding of client needs.
• Ensure customer service issues are addressed to maintain a high level of post sales service

Minimum Qualifications, Knowledge and Experience

• University degree in a business related field.
• Master’s degree in a business related field will be an added advantage.
• Professional Qualifications in Trade Finance.
• At least 5 years banking experience in Trade Finance Operations and Middle Office.

Key Competencies and Skills

• Proficient in Microsoft Office applications.
• Proficiency in Trade Finance Operations/Project Management.
• Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.
• Analytical mind and the ability to solve problems.
• Flexibility and good time management skills.
• Team Work and Interpersonal skills.
• Integrity and Professionalism.
• Communication Skills.
• Ability to work independently under strict deadlines.
• Demonstrated good planning and organization skills.
• Report writing and presentation skills.

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Reporting To: Head of Special Assets

Overall Job Purpose

The Special Assets Recoveries Manager Commercial and SME will be primarily responsible for:

• Delivery of Recovery strategies to a portfolio of Recoveries Customers experiencing financial distress.
• Determining objectives, strategies and actions that need to be adopted to address business risk issues, Reduce Bank’s risk and achieve recoveries and managed exit solutions so that the bank realizes maximum return in the shortest time possible.
• Manage Customers Recoveries accounts.
• Act as a point of contact for Recoveries names to discuss specific problems and recommending appropriate solutions and strategies to achieve the bank’s objectives

Principle Accountabilities

• Responsible for the achievement of Recoveries portfolio targets including collections, recoveries, case life and impairment management as per performance development plan
• Lead detailed negotiations with customers, sometimes in conjunction with other internal & external stakeholders, regarding the agreement to, and implementation of, strategy, e.g. Settlement proposals, etc.
• Responsibility of negotiating and recommending settlement proposals of all NPL loans, including recommending write offs to the appropriate authority
• Lead proactive formulation and implementation of strategies on recoveries/ managed exits.
• Manage relationships with customers in a manner which, through professional communication of often uncomfortable messages manages customer satisfaction and enhances the HFC Brand.
• Manage politically sensitive customers and recover debts from them in a professional manner which leaves a good impression of them about the bank
• Act as a reference point for Recoveries and credit teams for discussions on specific cases
• Ensure appropriate recovery is achieved and generally provide pragmatic and effective legal support to general management and business functions on impaired debts of the bank
• Manage the achievement of service levels and quality including setting up Service Level agreements with internal providers and monitoring performance against them on a regular.
• Ensure that the necessary credit and other sanctions/approvals are obtained at the right levels for strategies, expenditure and impairments whenever necessary.
• Manage the provisioning process in line with Bank and Regulatory policy for the Recoveries portfolio.
• Monitor the relationships with the bank’s service providers, especially with regards to service level agreements with them.
• Ensure that all NPL files are properly maintained and have up to date file notes.
• Ensure data integrity is maintained.
• Manage relationships with external service providers such as liquidators, executors, Auctioneers Lawyers,  messengers of court, accountants, receivers, judicial managers, valuators etc. who provide services to matters in Recoveries.
• Progress the recovery of debts on NPL classified Recoveries accounts and ensure their compliance with local regulatory requirements and the bank’s internal procedures.
• Actively manage debtors, to ensure business and banking risk issues are addressed in a timely manner.
• Develop network of contacts internally and also with local external professionals in order to maximise effectiveness in assisting customers
• Ensure satisfactory internal and external audits.
• Transfer account responsibility out of team when appropriate.
• Work closely with clients and RM's with a focus on the recovery of each vulnerable account or exposure in the NPL portfolio.
• Make customer visits and attend meetings held at/off Bank premises where appropriate.
• Participate in strategy setting with internal and external Stakeholders to ensure that the appropriate Recoveries plan is adopted

Minimum Qualifications, Knowledge and Experience

• Bachelor’s degree in a business management discipline in either of Finance, Business, and Economics, Mathematics / Statistics or related field from a reputable institution.
• Master’s Degree in Finance, Economics, Commerce, Accounting or any other equivalent and relevant qualification from a recognized university added advantage
• 10 years’ experience in financial environment with three in management level
• Comprehensive banking background and extensive experience in credit appraisal and loan portfolio management.
• Experience in engaging C-level management and senior executives in facilitating decision-making and reporting.

Key Competencies and Skills

• Excellent knowledge of data analysis and forecasting models,
• Solid analytical and decision-making skills, Leadership abilities
• Advanced computer software skills, including Excel and financial reporting software
• Knowledge of MS Office and core banking system
• Strong performance in recoveries especially of Special Asset portfolio
• Good negotiating and influencing skills
• Good credit risk and analytical skills
• Good relationship management skills
• Strong communication skills with emphasis on good listening skills.
• Strong planning, coordination and time management skills
• Strong commercial skills.
• Proven capabilities in problem solving, situational analysis, creativity, negotiation and decision making.
• Strong knowledge of banking laws and regulations, Central Bank prudential and risk management guidelines.
• Strong financial analysis and loan underwriting and project management skills.
• High level of technical competence in conducting financial analysis.
• Maintain a thorough knowledge of credit services and a complete understanding of Credit Policy and Procedures.
• Ability to work as a team on a number of simultaneous projects.
• Performance Oriented
• Goal driven and results oriented
• Personal Ethics
• Excellent written and verbal communication skills,
• Report/proposal writing skills and presentation skills.
• Great interpersonal skills with ability to interact with key stakeholders.
• Must be a self-starter with ability to see, grasp and advice on opportunities, recommending areas of improvements.