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  • Posted: Mar 31, 2020
    Deadline: Apr 4, 2020
  • The genesis of Gulf African Bank (GAB) can be traced back to 2005, when a group of motivated Kenyans envisioned establishing an Islamic bank as an alternative to conventional banking in the country. By conducting business on the principles of Shari'ah, the bank would provide an ethical and fair mode of banking for all. Gulf African Bank is the first and l...
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    Assistant Manager - Schemes

    Reports to: 

    Relationship Manager, Schemes

    Job Purpose:

    • Mobilize and grow Assets and Deposits in retail banking segment whilst ensuring that the customers in the corporate, SME, Institutions, HNI are retained profitably. Key Responsibilities Strategy:
    • Assist Business Development, Monitoring and Debt Recovery in implementation of agreed strategies aimed towards improving asset and liability portfolio
    • Management:
    • Contribute to the growth of schemes business
    • Monitor monthly loan payments/ check off payments
    • Effect check offs and ensure timely delivery of check off schedules to employers
    • Schemes relationship management
    • Follow up on schemes MOUs to ensure speedy sign off.
    • Monitor re-invoicing and collections and ensure they are well conducted
    • Monitor hardcore cases and ensure they are sent to DRU & external debt collectors and close follow-up to ensure clients regularize their loan accounts
    • Compilation and sharing of various retail performance reports with the relevant teams and management on a daily, weekly and Monthly basis
    • Monitor portfolio Clean Up, and follow up with Credit Administration to ensure all loans in the system are corrected and well maintained
    • CRB listing – Ensure all defaulting clients who deserve to be listed are all listed with the various Credit Reference Bureaus
    • Build and maintain customer relationships in order to achieve excellent customer service and customer loyalty Compliance: 
    • Ensure compliance with both internal and external regulatory requirements.
    • Work closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with retail and consumer banking
    • Escalate any recommended improvements in procedures

    Skills, Experience and Competencies

    Skills and Experience required for this Role

    • Be a holder of Bachelor’s degree in Business related field.
    • Relationship Management experience.
    • Must possess experience in portfolio management from a financial institution.
    • Possess Public Relationship skills in both formal and social gatherings and ability to establish and maintain effective working relationship with those interacted with in the course of carrying out duties.
    • Credit management experience.
    • Life skills – confidence and ability to relate to people from varied circumstances and walks of life.
    • Knowledge of credit industry and legal processes and application in a schemes administration.

    Core Competencies

    • Emotional Intelligence; Dynamic, individual with the ability to work under pressure.
    • Excellent selling skills
    • Strong networking skills, for both internal and external networks
    • Relationship Management skills with excellent Human Relations skills, communication skills and interpersonal skills
    • A passion for performance, building team play, and achievement in a competitive and dynamic environment
    • Hardworking, strategically minded individual with excellent leadership, organizational, and planning skills
    • Commercial awareness and customer focus
    • Pleasant, honest, outgoing, well groomed and self-driven

    go to method of application »

    Credit Analyst - SME

    Reports To: HOD -SME

    Job Purpose

    • The role of SME Analyst is to assist Relationship Managers SME’s, to manage a highquality portfolio of SME clients in a manner that complies with the Bank’s policies (both Shariah and other).
    • Preparation of credit proposal Receive all the information and documentation required for a proposal from the Senior RMs and RMs to analyze the proposal, follow up with clients on outstanding items 
    • Assist Senior Relationship Managers and Relationship
    • Managers review/confirm the submitted information and documentation through site visits and subsequent follow-up meetings/conversations—for adequacy, completeness, and compliance with all Bank requirements.
    • Prepare a draft of the credit proposal for review by Sector  RMs and SRMCommodities and General Trade
    • Finalize the credit proposal by incorporating comments from  Sector RMs and SRMCommodities and General Trade Credit decision
    • Assist  Sector Relationship Managers and Senior Relationship Manager-SME Hub gather further information required to respond to questions from the Credit Committee
    • Ensure fulfillment of all conditions precedent to facility disbursement, and ensure that all the relevant documentation is in place Portfolio management and collection
    • Conduct consistent monitoring to prevent defaults on client’s payment, alterations in the client’s business, and to be aware of forthcoming client’s financial needs
    • In the event of non-payment of a facility installment, ensure that the Sector RM or Senior RM-SME Hub contacts the client immediately (meeting him/her in person if required), and, if not resolved, assist them in subsequent actions to recover credit in arrears according Bank procedures.
    • Monitor accounts in arrears and overdrawn accounts, work with the SRM, RM and relevant Bank staff to reduce the portfolio at risk and work with the Collections Unit to develop and implement recovery processes Monitor maturing deals and FMAs and advise senior RM/RM to obtain instructions or payments from the customer
    • Operations/Compliance
    • The SME Analyst would:
    • Ensure that credit files are complete and up to date, with the required back up

     View more details

    Method of Application

    Interested and qualified? Go to Gulf African Bank on to apply

    Note: Never pay for any training, certificate, assessment, or testing to the recruiter.

  • Send your application

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Average Salary at Gulf African Bank
KSh 62K from 8 employees

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