Assistant Manager, Asset Finance Documentation at NCBA Group

Job Purpose Statement

Deliver high quality and timely support to all customers and stakeholders seeking service from the Bank through any customer touch points relating to documentation of their approved Asset Finance facilities, in line with the Bank’s strategic intent, its values and service standards as defined in its approved policies, procedures and processes.

Key Accountabilities (Duties and Responsibilities) Perspective % weighting (to add up to 100%) Output

Cost Containment (10%)

• Ensure prudent use of bank resources to keep overall costs to a minimum by creating efficiencies in work delivery and submissions, and avoiding reworks.
• Prevent revenue leakages by ensuring bank charges and commissions are confirmed as paid before issuance of release letters for assets financed or during release of logbooks.

Key Operations

Objectives/ Departmental Controls/Audit Ratings (60%)

• Undertake accurate review and verification of customer and dealer Asset Finance documents presented as per the applicable bank policies, product guidelines, processes, procedures and the specific terms of approval as captured in the offer letters issued, and provide feedback within the set deadlines.
• Ensure safe custody of all documents and correspondence in the vault or overnight safe by the end of each day.
• Maintain and update conditional release and deferral approvals in the requisite registers, reports, portals etc. and track for closure within the set timelines.
• Occasionally, and as the circumstances demand, review and authorize release of logbooks that meet the conditions of release.
• Sign off release letters and authorize payments to motor vehicle sellers adhering to the discretionary limits assigned.
• Support the department in achieving a satisfactory audit rating and nil operational risk exceptions by adhering to all the applicable bank policies, processes and procedures
• Close any audit and risk exceptions noted within the closure timelines provided/agreed.
• Process applications generated during User Acceptance Testing from time to time adhering to the quality standards and set deadlines as shall be communicated from time to time.
• Undertake any other duties as may be assigned by your Manager/Senior Departmental Management from time to time, maintaining the required standards and TAT.

Customer Service (20%)

• Oversee delivery of high-quality levels of service to customers in the unit and offer the necessary support to the team in the absence of the Front Office Manager.
• Ensure that all SLAs signed off between the unit and other departments are fully adhered to.
• Track and resolve complaints satisfactorily, or escalate where the circumstances warrant and in a timely manner to ensure resolution within the timelines required. Undertake a root cause analysis of the complaints and put in place measures to prevent recurrence.
• Establish and maintain healthy and collaborative working relationships with other units/departments.

People Management/ Leadership/ Culture (10%)

• Achieve the requisite number of learning hours by enrolling and successfully completing NCBA Academy courses and attending all scheduled trainings.
• Attend and or facilitate all requisite trainings designed to impart and or improve your general banking knowledge, documentation skills and knowledge and that of your team or stakeholders to ensure high levels of service delivery to customers.
• Take measures to improve and or maintain the departmental Internal Customer Satisfaction Index within the target set

Stakeholder Management: key stakeholders that the position holder will need to liaise/work with to be successful in this role.

Internal

• Credit Risk Management
• Asset Finance and IPF
• Business Remedial Support
• Bancassurance
• Branches
• Credit Operations (Other Units)
• Retail Banking
• Business Remedial Management  External
• Customers
• Other banking and financial institutions
• Motor Vehicle Sellers/Dealers
• Underwriters and Brokers
• Motor Vehicle Valuers
• Company Search Providers
• Government agencies (NTSA, BRS, Companies Registry etc.)
• NTSA Liaison Agent

Ideal Job Specifications

Academic:

• A university degree preferably in Business, Arts, Law or any other relevant degree, with at least Second-Class Upper qualification.

Professional:

• Qualifications in Credit Management, Debt Management, AKIB or any other credit-related course will be an added advantage

Desired work experience:

• 5 years’ lending-related experience within a banking environment, 3 of which should have been at management level.

NCBA BANK KENYA PLC Core Values (Performance Drivers)

• Driven
• Open
• Responsive
• Trusted

Ideal Job competencies

Technical Competencies

• Analytical Skills; Must be able to analyze and understand the customer needs in order to satisfy them or offer the advice required
• Knowledge of Business Environment; Must understand local and global dynamics of the business environments facing customers and legislations that affect Asset Finance.
• Lending Skills; Appraisal requirements for lending products in the Bank, particularly Asset Finance.
• Securities; First-hand knowledge of security perfection

Behavioral Competencies

• Performance Oriented; Understands measurement metrics, appreciates being measured and applying objective criteria to assess customers to mitigate risks and enhance recoveries.
• Personal Ethics; Must be honest, fair and just with self and high level of integrity
• Decisive and Independent; Ability to operate on own, consult and clarify where necessary and make informed decisions.
• Interpersonal Skills; Must be warm with people in bad and good times, but firm and fair
• Resilient; Ability to work under pressure and still deliver to the customer’s expectations
• Negotiation Skills; Must be a hard negotiator, with excellent convincing approaches.
• Communication Skills; Excellent written and verbal communication skills, report/proposal writing skills and presentation skills
• Team player; Team building skills and ability to cooperate with both internal and external customers as well as agent