Head – Corporate Mortgage at Co-operative Bank of Kenya

The Role

Specifically, the successful jobholder will be required to:

• Lead sales efforts and business growth in Co-operatives & CIBD Division.
• Originate, structure, and close mortgage/project cases, managing end-to-end deal conversion and revenue momentum.
• Develop and manage a mortgage pipeline, driving quality business through effective customer engagement.
• Ensure portfolio quality in adherence to the bank’s credit policy and risk management practices.
• Provide continuous product knowledge and support to Relationship Managers and customers, maximizing opportunity identification and solutions.
• Implement processes for early identification of problem accounts, collaborating closely with Relationship Managers.
• Monitor MIS/risk reports rigorously to mitigate potential risk factors.
• Monitor account conduct, payment of facilities, and covenant compliance.
• Support customers in financial challenges, facilitating appropriate restructuring to preserve the bank’s position.
• Ensure compliance with KYC and ALM measures, in line with regulatory requirements.
• Develop and maintain strong relationships with business function units.
• Enhance product visibility and market presence within CIBD and CBD.
• Foster partnerships to create an end-to-end customer approach and enhance the value chain.
• Conduct post-implementation reviews on key accounts, recording learning points for process improvement.
• Collaborate with product development teams and participate in staff training on mortgage products.
• Ensure strict adherence to all regulations, statutes, standards, and internal processes and procedures.
• Contribute to department/division attaining a “Satisfactory” rating in both internal and external audits by adhering to standards and regulations.

Skills, Competencies and Experience

The successful candidate will be required to have the following skills and competencies:

• A Bachelor’s degree in Finance/Accounting, Business Administration, Economics, or related field.
• An MBA and professional qualification in accountancy preferred.
• Knowledge and experience in real estate/project/construction finance, preferably in a banking environment.
• Ability to package solutions for emerging customer needs.
• Ability to drive sales and uptake of mortgage finance products.
• Knowledge in mortgage finance products and services.
• Capacity to ensure compliance with product credit policy and operations.
• A team player who can collaborate with business segments to identify client potential and ensure disbursements.