Fresh Jobs at Caritas MFB

JOB PURPOSE

The purpose of the role will be responsible for design, development, sales and business development of product propositions and platforms that deliver holistic solutions to Caritas Microfinance Bank customers and the church ecosystem within the assigned religious sector in Institutional Banking. The role holder shall also be responsible for managing the performance of the products throughout the life cycle ensuring that customers value and ROI are optimized.

KEY RESPONSIBILITIES

• Establish and maintain a strong customer focus approach both with internal and external customers.
• Ensure participation in relevant forums with key partners/customers
• Facilitate and develop sound relationships with the internal channels such as
• Marketing units and other Head Office departments.
• Proactively engage customers to establish service levels and initiate constant improvement.
• Provide regular and honest feedback to agents and clients.
• Ensure that sub-ordinates maintain a good rapport with all customers in a professional manner.
• Prospecting for and acquiring new customers within assigned market segments
• Providing daily and weekly results assessments of staff’s productivity
• Entrench measurable and meaningful customer service standards and practices
• Monitor credit facilities and deposits to keep PAR on all loan portfolios below target levels and ensure that renewals, extensions, and cancellations are initiated and processed before the expiry date.
• Ensure an effective call program is maintained on all assigned customers and prospects.
• Inspire and foster team commitment, develop the ability and skills of the team and manage performance to deliver exceptional level of Organization objectives and goals.
• Keep customers constantly informed on the progress of their applications and drive this culture throughout the team
• Identify and address any fraud related activities and ensure risk exposure is minimized.
• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
• Complete disclosure to the customers in terms of accreditation, repayments, service fees, and commissions.
• Proactively assess the review process of existing facilities, ensure a consistent thorough and timely evaluation of all existing facilities.
• Cross – selling of all bank services and marketing for new business.
• Collection of market intelligence information, local competition, products, and levels of service.
• Maintain good quality loan books by ensuring arrears on normal and watch category accounts are collected promptly.
• Maintain a database of all clients in the marketing office portfolios.
• Training of new and existing clients on the Bank’s products.
• Develop a rapport with potential clients and be able to close sales and contracts in lending and bank business acquisition.
• To perform any other duty as assigned in line with the Organizational goals and objectives.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• Holder of bachelor’s degree in a business-related field.
• Thorough knowledge of MSME banking products and policies.
• AKIB banking certificates will be an added advantage
• 4 years’ experience in banking, 2 of which should be in Business development
• (Personal Banking/ customer relationship management.
• Knowledge of lending products and prudential guidelines.
• Ability to lead teams and deliver business results.
• Must be self-driven; possess excellent administrative, communication and
• interpersonal skills, strong organization, and negotiation skills

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JOB PURPOSE

• To ensure that the Bank’s overall risk & compliance framework, specifically under internal processes and procedures, regulatory, statutory, KYC & AML guidelines is acceptable and there is full compliance to the same within the bank. To carry out risk assessments and advice on areas of improvement.

KEY RESPONSIBILITIES

• Identify and assess the compliance risks associated with the bank’s current and proposed future business activities, including new products, new business relationships and any extension of operations or network on an international level
• Conduct Risk assessments and develop Key risk indicators for monitoring and reporting
• Maintain and update the bank Risk registers
• Stress testing of the various key risks facing the bank
• Conduct internal AML and KYC trainings as provided by CBK prudential guidelines.
• Carry out compliance review and Snap checks on compliance with banks internal procedures and policies
• Monitor implementation of Audit recommendation
• Review transactions to ensure that high Value transactions are identified and appropriately reported to the regulator
• Prepare and file the monthly, quarterly compliance reports to the CBK
• To perform any other duty as assigned in line with the organization goals and objective

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• University degree in Accounting, Commerce, Economics or Business Management/Administration or related business degree
• Certified Chartered Accountant/ Certified Public Accountant.
• Current member of Institute of Certified Public Accountants of Kenya
• (ICPAK) with a valid membership Certificate
• CISA (Certified Information Systems Auditor) and or CIA (Certified Internal Auditor) qualifications will be an added advantage
• 3 years’ experience in banking

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JOB PURPOSE

• Provide financial and business solutions to micro customers including credit solutions, liability products and customer service.

KEY RESPONSIBILITIES

• Driving customer recruitment for micro business customers.
• Leading in developing suitable products and services for micro in liaison with the branches, HOD Retail Banking and the Product Development team
• Delivery of exceptional performance through the micro business team.
• Proactive leading and directing the relationship teams accountable for the portfolio of micro business customers.
• Taking initiative in terms of business development activities and ensuring that quality business is retained, and high service standards are delivered by the team.
• Demonstrating an intimate knowledge of the market and the competitor to inform market penetration, growth, and retention.
• Making quick business decisions that balance risk, profitability and most importantly responsiveness to customer needs.
• Reviewing performance of assigned Relationship Officers and/or Branch
• Managers against micro business budgets for all assigned KPI targets.
• Continually monitoring and following up with respective micro business
• Relationship Officers and/or Branch Managers to ensure that the set Micro business targets are being achieved, and gaps adequately addressed.
• Conducting regular customer visits to enhance relationship development and customer maintenance, as well as growth of the business wallet.
• Monitoring and following up with micro business Relationship
• Managers/Officers and/or Branch Managers to ensure balanced growth of the micro business portfolio.
• Monitoring quality of the loan book advances by reviewing arrears, account excesses and irregular accounts, among others.
• Monitoring performance against set targets.
• Conducting customer engagement initiatives like financial literacy, coaching and mentorship

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• Holder of bachelor’s degree in a business-related field.
• Thorough knowledge of MSME banking product and policies.
• 3 years’ experience in banking
• Professional banking qualifications will be added advantage
• Knowledge of lending products and prudential guidelines.
• Ability to lead teams and deliver business results.
• Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills.

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JOB PURPOSE

• The purpose of the role is to grow the consumer loan and liability book through retail customers, corporate schemes/partners, Government institutions, Developers, and other relevant partnerships.

KEY RESPONSIBILITIES

• Drive sales budgets/targets through the branch sales team to ensure they are achieved.
• Establish and maintain a strong customer focus approach both with internal and external customers.
• Facilitate and develop sound relationships with the Employers, Government institutions, Insurance companies and other strategic partners.
• Enter key partnerships with key stakeholders in the consumer lending segment.
• Ensure participation in relevant forums with key partners/customers
• Facilitate and develop sound relationships with the internal channels such as
• Branch network, Marketing units and other Head Office departments.
• Proactively engage customers to establish service levels and initiate constant improvement.
• Provide regular and honest feedback to agents and clients.
• Ensure that sub-ordinates maintain a good rapport with all customers in a professional manner.
• Keep customers constantly informed on the progress of their applications and drive this culture throughout the team
• Adherence to the consumer lending product profile, Credit Policies, Legislation (KYC) & (AML).
• Identify and address any fraud related activities and ensure risk exposure is minimized.
• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
• Complete disclosure to the customers in terms of accreditation, repayments, service fees, and commissions.
• Research of industries in which existing and potential clients operate, to identify and understand the contextual threats to those clients.
• Maintain a high quality-lending book, through prudent and effective management thereof.
• Proactively assess the review process of existing facilities, ensure a consistent thorough and timely evaluation of all existing facilities.
• Ensure that allocated work is processed within the set TAT, therefore meeting monthly targets.
• Provide weekly/monthly management information reports to all relevant stakeholders.
• To perform any other duty as assigned in line with the Organizational goals and objectives.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• Holder of bachelor’s degree in a business-related field.
• Thorough knowledge of MSME banking product and policies.
• Minimum 3 year working experience in the same position
• AKIB banking certificates will be an added advantage
• 3 years’ experience in banking 2 of which should be in Business development (Personal Banking/Consumer lending) and customer relationship management.
• Knowledge of lending products and prudential guidelines.
• Ability to lead teams and deliver business results.
• Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills.

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JOB PURPOSE

• The Incumbent will reprt to the Relationship Manager - SBE and will be responsible for providing financial and business solutions to Small Business Enterprise customers including credit solutions, liability products, PAR and customer relationship management.

KEY RESPONSIBILITIES

• Establish and maintain a strong customer focus approach both with internal and external customers.
• Ensure participation in relevant forums with key partners/customers
• Facilitate and develop sound relationships with the internal channels such as
• Branch network, Marketing units and other Head Office departments.
• Proactively engage customers to establish service levels and initiate constant improvement.
• Provide regular and honest feedback to agents and clients.
• Ensure that sub-ordinates maintain a good rapport with all customers in a professional manner.
• Keep customers constantly informed on the progress of their applications and drive this culture throughout the team
• Identify and address any fraud related activities and ensure risk exposure is minimized.
• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
• Complete disclosure to the customers in terms of accreditation, repayments, service fees, and commissions.
• Research of industries in which existing and potential clients operate, to identify and understand the contextual threats to those clients.
• Maintain a high quality-lending book, through prudent and effective management thereof.
• Proactively assess the review process of existing facilities, ensure a consistent thorough and timely evaluation of all existing facilities.
• Ensure that allocated work is processed within the set TAT, therefore meeting monthly targets. providing financial and business solutions to Small Business Enterprise customers including credit solutions, liability products, PAR and customer relationship management.
• Developing new business opportunities by proactively marketing for Small BusinessEnterprise lending and deposit mobilization opportunities from both current and prospective clients
• Appraise, review, validate and process Small Business Enterprise customer applications in a timely manner
• To act as the relationship officer for all Small Business Enterprise customers and towork closely with the customers in the Branch to the mutual benefit of both the customers and the bank market for new business.
• Cross  selling of all bank services and marketing for new business.
• Collection of market intelligence information, local competition, products, and levelsof service.
• Maintain a good quality loan book by ensuring arrears on normal and watch category accounts are collected promptly.
• Maintain a database of all Small Business Enterprise clients in the branch portfolio.
• Training of new and existing clients on the Bank’s products.
• Develop rapport with potential clients and be able to close sales and contracts inlending and bank business acquisition.
• To perform any other duty as assigned in line with the Organizational goals and objectives.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• A university degree preferably in a business-related field. AKIB banking certificates will be an added advantage.
• 4 years’ experience in banking, 2 of which should be in Business development and customer relationship management.
• Solid analytical skills and experience in credit appraisal, handling and resolving customer requests and queries.
• Good understanding of prudential guidelines and KYC.
• Have strong communication and team building skills with ability to work with diverse teams.
• Resilient, Confident, anod self-motivated.

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JOB PURPOSE

• The Incumbent will report to the Relationship Manager - Agribusiness and will be responsible for developing new business opportunities by proactively marketing Agribusiness opportunities from current & prospective clients as well as acting as the main Relationship officer for all Agri Business customers. The main goal of the position is to continuously grow the Agribusiness Portfolio in the branch.

KEY RESPONSIBILITIES

• Drive and Implement solutions for the Agribusiness branch portfolio based on the Bank’s strategy.
• Increase bank deposits for the Agribusiness portfolio and the bank.
• Drive the Agribusiness portfolio while fostering & growing relationships within the Agribusiness customer base.
• Drive to increase interest and non-interest income from Agribusiness banking.
• Agribusiness Customer based focus on increase of customer numbers, product and tariff development, channels, and Innovation.
• Conducting market intelligence and surveys in respect to competitor products and market trends.
• New Agribusiness product development
• Appraisal and evaluation of all new Agribusiness credit facilities generated from Branch staff and recommendation to credit department for approval.
• Ensure participation in relevant forums with key partners/customers.
• Proactively engage customers to establish service levels and initiate constant improvement.
• Provide regular and honest feedback to agents and clients.
• Ensure that sub-ordinates maintain a good rapport with all customers in a professional manner.
• Keep customers constantly informed on the progress of their applications and drive this culture throughout the team.
• Maintain a high quality-lending book, through prudent and effective management thereof.
• Ensure that allocated work is processed within the set TAT, therefore meeting monthly targets.
• Cross – selling of all bank services and marketing for new business.
• Collection of market intelligence information, local competition, products, and levelsof service.
• Maintain a good quality loan book by ensuring arrears on normal and watch category accounts are collected promptly.
• Training of new and existing clients on the Bank’s products.
• Develop rapport with potential clients and be able to close sales and contracts inlending and bank business acquisition.
• To perform any other duty as assigned in line with the Organizational goals and objectives.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• A university degree preferably in a business-related field.
• AKIB banking certificates will be an added advantage.
• 3 years’ experience in banking, 2 of which should be in Business development and customer relationship management.
• Solid analytical skills and experience in credit appraisal, handling and resolving customer requests and queries.
• Good understanding of prudential guidelines and KYC.
• Have strong communication and team building skills with ability to work with diverse teams.
• Resilient, Confident, and self-motivated.