Careers at HF Group

Principle Accountabilities

• Cross sell of bank services & products (cash mgt., trade, treasury, overdrafts, loans, custody, asset based finance, insurance premium finance (proposed) to existing and new liability clientele.
• Liaise with credit and trade finance back office to open LC and guarantees.
• Liaise with branches and other customer units to resolve customer enquiries.
• Acknowledge customer’s letters and forward instructions to relevant bank units for action.
• Filing of customer related correspondences.
• Negotiate rates for customers on foreign exchange transactions
• Negotiate rates for customers on investments in fixed/call deposits and credit balances on current accounts.
• Advise customers on their bank account positions.
• Liaise with cash management and IT in supporting customers on usage of e-statements and quick pay products.
• Provide management reports i.e. call reports, portfolio balances etc.

Key Competencies and Skills

Technical skills

• Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
• Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
• Analytical business and investment appraisal Skills: Keen to detail and able to conceptualize financial investment proposals and provide viable solutions.
• Technology Skills: Computer literate with proficiency in computerized financial analysis applications.

Personal attributes

• Goal driven and results oriented enjoys being measured, and judged by financial and other performance targets.
• Personal Ethics: Must be honest, fair and just with self and others, and demonstrates integrity in work and business contacts.
• Communication Skills: Excellent written and verbal communication skills and presentation skills.
• Interpersonal Skills: Must be a people’s person, with ability to interact with key contacts in finance sector.
• Proactive Initiator: Must be pro-active, a self-starter and have the ability to see, grasp and advice on opportunities.

Minimum Qualifications, Knowledge and Experience

Education And Competencies

• University Degree preferably in Business related field such as Economics, Finance & Accounting from recognized institution by Commission for University Education. Credit Management, Accounting or Banking Qualification (AKIB)
• CPA / ACCA qualification.
• Certification in financial modelling
• Certified Credit Executive (CCE) or equivalent

Experience

• Minimum of 5 years experience in relationship Management and/or Minimum of 2 years in general banking operations.
• Good track record of credit analysis and understanding of financial policies, procedures, and external regulations. Has demonstrated over the span of the career credit and financial analysis skills required to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high-quality standards or benchmarks.
• Demonstrated expertise and in-depth knowledge of the local banking industry, banking services, credit process, and banking products.
• Evidenced knowledge and understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirements, and applicable laws
• Sound working knowledge and understanding of general commercial regulations and practices.

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Principle Accountabilities

Relationship Management

• Provide the interface between business and credit.
• Give quality feedback to the business teams on the quality of applications and the areas of improvement.
• Support the Commercial Banking teams in serving their customers in a timely manner customer by giving prompt feedback.
• Give business reports on loans processed and declined to help in decision-making.
• Supporting RMs in packaging credit proposals to ensure clarity for faster approval and adoption.

Credit Appraisals

•  Appraising borrower information to determine ability to service loan for purposes of adherence to the lending policy. This is done through various analysis templates depending on limits and nature of income of borrowers. This includes but not limited to:
• Identify loan product requested by the customer and the requirements.
• Ensure the necessary KYC requirements have been adhered to, call backs on employment letters, statements etc. have been performed.
• Conduct thorough analysis of financial statements and assessment of credit requests, through preparing spreadsheets and models.
• Assess payment capacity
• Assess collateral adequacy.
• Review prevailing economic trends, and risk ratings, and applying the same in the appraisal process.
• Bring out policy exceptions and breaches, recommend adequate Mitigants, and seek necessary approvals.

Operations & Audits

• Ensure compliance with all credit policy guidelines
• Follow through with transactions to the end
• Training teams one on one to reduce on back and forth
• Develop various templates to guide the credit process
• Handle audit queries emanating from the credit process
• Monitor turnaround time on requests

 Income generation & Cost Containment

• Supporting the RMs to achieve set income targets (Interest income and Non-interest income).
• Ensure the correct charges are applied
• Ensure all excesses are fully provided
• Manage office costs within reasonable levels
• Cross sell bank products
• Push on products that deliver quick income

Key Competencies and Skills

Technical skills

• Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
• Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
• Analytical business and investment appraisal Skills: Keen to detail and able to conceptualize financial investment proposals and provide viable solutions.
• Technology Skills: Computer literate with proficiency in computerized financial analysis applications.
• Industry knowledge: Candid knowledge of the various sectors of the economy and the investment opportunities.

Personal attributes

• Goal driven and results oriented enjoys being measured, and judged by financial and other performance targets.
• Personal Ethics: Must be honest, fair and just with self and others, and demonstrates integrity in work and business contacts.
• Communication Skills: Excellent written and verbal communication skills and presentation skills.
• Interpersonal Skills: Must be a people’s person, with ability to interact with key contacts in finance sector.
• Proactive Initiator: Must be pro-active, a self-starter and have the ability to see, grasp and advice on opportunities.

Minimum Qualifications, Knowledge and Experience

Academic Qualifications:

• University Degree in the following: Economics, Commerce, Business Administration.

Professional Qualifications:

• Credit Management
• Accounting or Banking Qualification (AKIB)

Work Experience

• Minimum of 4 years’ experience in banking and financial analysis 2 of which must be credit department or credit-related area.

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Principle Accountabilities

 Acquisition: Business Development

• To ensure growth of Commercial Banking portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers and lead generation.
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• To ensure acquisition of customers to digital channels i.e. Internet Banking, WHIZZ and other platforms.
• To effectively manage and expand the relationships with existing Commercial banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity.

Portfolio profitability (Cross-sell & Retention)

• Grow Commercial Banking portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships
•  Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Assist in Resolving client queries in a timely and appropriate manner
• Assist in collaborating with product specialists, to deliver effective customer solutions.
• Ensure Fulfilment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. WHIZZ, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• To understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.

Customer and Market:

• Maintaining/ updating customer data on parameters such as Business turnover/ directors’ details etc.
• Ensure all customer engagements are recorded accordingly

Compliance:

• To ensure compliance with both internal and external regulatory requirements.
• To continuously follow business operational and credit policies ensuring their compliance.

 Other

• To safeguard and promote the bank’s image with the general public.
• To assist in other issues, aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy.
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business.

Key Competencies and Skills

Technical competencies

• Excellent interpersonal skills
• Excellent communication and presentation skills
• Deciding and Initiating Action
• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking
• Negotiation Skills
• Planning and Organizing
• Presenting and Communicating Information
• Relating and networking
• Team player
• Good stakeholder management

Leadership competencies

• Business acumen
• Strategic orientation
• Result orientation
• Developing self/others

Minimum Qualifications, Knowledge and Experience

Academic and Professional

• A university degree, preferably in Business related field such as Economics, Finance & Accounting from a recognized institution by Commission for University Education.
• Credit Management, Accounting or Banking Qualification (AKIB)
• Certified Credit Executive (CCE) or Core Credit Certification (CCC)
• CPA / ACCA qualification. is an added advantage
• Certification in financial modelling is added advantage 

Experience

• 7-year experience in relationship management, 3 of which should be in managing commercial clients.
• Good track record of credit analysis and understanding of financial policies, procedures, and external regulations. Has demonstrated over the span of the career credit and financial analysis skills required to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high-quality standards or benchmarks.
•  Demonstrated expertise and in-depth knowledge of the local banking industry, banking services, credit processes, and banking products.
• Evidenced knowledge and understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirements, and applicable laws
• Sound working knowledge and understanding of general commercial regulations and practices.

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Principle Accountabilities

• Trade Finance deal origination, structuring, placement and portfolio management.
• Growth and development of trade finance business in the assigned sectors.
• Ensure adherence to the terms and conditions and actively monitoring the trade finance transactions.
• Building and maintaining strong trade customer relationships through excellent customer service in order to achieve customer loyalty and maximize share of wallet.
• Development and Support for Supply Chain Financing (SCF) within current clients’ ecosystems and sourcing of new clients for the SCF.
• Sales and market intelligence, directly and in partnership with Corporate Relationship Managers and Retail SME Business Teams.
• Providing expert advice and guidance to our SME and Commercial Banking Clients and Relationship Teams on trade finance products and transactions.
• Providing technical support to Trade Services (Operations) Team.
• Promote Trade finance product and process innovation.
• Trade Finance product training business teams through branch visits, participation in workshops and joint customer calls, among other avenues.
• Creation and development of business opportunities through participation in trade forums/conferences and other channels.
• Any other duties that may be assigned from time to time by or through my line manager

Key Competencies and Skills

Technical competencies:

• Proficient in Microsoft Office applications
• Proficiency in International Trade Finance and Supply Chain Finance Practices.
• Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.

General competencies:

• 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.

Minimum Qualifications, Knowledge and Experience

Education:

•  A University degree preferably in a Business-related discipline.
• Possession of a postgraduate degree or professional qualification in a related field is desirable but not essential.

Experience:

• At least five (5) years’ experience in banking, with proven experience of at least two (2) years in a similar position or at least 3 years banking experience and sales/marketing background, where he/she managed a portfolio of SME or Commercial/Corporate Banking clients.
• Experience in managing relationships that have significant Trade Finance exposure.
• Experience in development and marketing of Trade Finance products.