Job Openings at HFC Limited

Reporting To: Head of SME & Commercial

Overall Job Purpose

The Relationship Manager - SME will be responsible for selling Liabilities and Assets in order to grow the Branch Business

Principle Accountabilities

• Ensure growth of the branch asset & liability books and profitability by working with and directing the branch sales team on activations, portfolio management, strategy adoption, customer visits and sales activities in general.
• Monitor Non performing loans and manage the same.
• Setting up the branch business development strategy in line with company strategy and preparation of relevant reports to monitor and review performance.
• Ensure optimum team productivity and identify training needs of the team.
• Cross selling of HFC Banks products by establishing new relationships in order to grow both assets and liabilities book.Maintaining customer relations by regular contact to ensure customer satisfaction business continuity.
• To review accounting opening forms and loan applications by scrutinizing the documents to ensure they are KYC Compliant.
• To check data entry by verifying the data captured against source documents to ensure accuracy in data capture.
• To analyze loan applications by interviewing the customers.
• To identify customers borrowing needs by interviewing so as to ensure selling of the right products

Minimum Qualifications, Knowledge and Experience

• A Business related degree
• 3 years in Banking Industry

Key Competencies and Skills

• Selling skills
• Analytical skills
• Negotiation skills
• Supervisory skills
• IT Skills
• Report writing
• Communication skills
• Product knowledge 
• Team Work
• Listening skill

Application Deadline

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Reporting To: Branch Business Manager

Overall Job Purpose

The Branch Business Consultant will be responsible for selling Liabilities and Assets in order to grow the Branch Business.

Principle Accountabilities

• Actively seek to grow the portfolio allocated and cross sell to ensure delivery of set targets.
• Have an understanding of all retail and Business banking products that could satisfy customer requirements.
• Ensure customers receive exceptional service by identifying and meeting their needs through provision of a range of products and services.
• Based on leads referred from within the branch and other sources such as listings, contact potential new customers and offer them packaged financial solutions based on assessment of their needs.
• Action any complaint received in accordance with procedures and SLA’s.
• Ensure accuracy of each new account application, loan document, mandate changes etc. Branch Business consultants will be held personally accountable for accuracy and quality of applications they submit.
• Follow end to end on account opening and loan processing. Escalate any items that exceed the agreed service level time lines or where there are unsolved KYC requirements to the Branch Business Manager.
• Achieve individual sales and service targets and support the achievement of team targets.

Minimum Qualifications, Knowledge and Experience

•  


• A Business related degree from a reputable institution
• Atleast 3 years in the Banking Industry

Key Competencies and Skills

• Excellent selling skills and negotiation skills
• Good analytical skills
• Good communication skills and Product knowledge 
• Must have integrity 

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Reporting To: Regional Branch Business Manager

Overall Job Purpose

The Branch Business Manager will be responsible for growing branch portfolio and balance sheet, and effective management of branch sales staff in order to maximise branch profitability.   

Principle Accountabilities

• Develop strategies & execution plans to create new sales in all business lines in the branch.
• Develop strategies & execution plans to ensure growth of existing businessin the branch.
• Prepare & execute sales presentations & activations.
• Monitoring daily performance at the branch to ensure targets are met. Developing corrective action plan where necessary.
• Monitor & ensure customer service standards at the branch are met & maintained at all customer touchpoints.
• Preparing relevant management Information reports on the branch performance within stipulated timelines
• Manage the sales staff at the branch by providing ongoing individual coaching and training to assure ensure achievement of sales goals, member retention and deepening member relationships.
• Continuous review & appraisal of branch sales staff performance and immediate corrective action.
• Ensure sales staff are motivated for maximum productivity
• Cultivate a team culture that enhances support for each other to ensure overall productivity.
• Arrange, conduct or recommend appropriate training for branch staff to enable them carry out their duties effectively & efficiently.
• Ensure discipline and adherence to staff code of ethics by Branch sales staff.
• Ensure planned leave schedule & execution for branch sales staff.
• Supervise the development of a call program for all clients.
• Review the call program to ensure that its followed with call reports generated per visit for effective follow-up
• Ensure the branch attend to customer banking needs in a timely manner and manage their expectations.
• Directing, motivating and developing staff so as to ensure a branch succession plan for branch continuity is in place.
• Develop a proposal for generating quality loan proposals that meets banks Risk acceptance criteria as per the credit policy
• Ensure that sales staff manage and maintain quality of Loan Portfolio in the branches
• Continuous review the branch credit portfolio to ensure that early warnings of default are addressed in a timely manner to avoid deterioration to bad debts.
• Ensure that assigned sales staff are taking remedial actions on all delinquent accounts.
• Ensure that the branch strictly adhere to banks operating procedures & policies to ensure all controls are observed.
• Ensure the branch comply with AML/KYC guidelines in customer recruitments.
• Review of compliance/Audit reports for the branch with the quest to ensure that corrective action & recommendations are addressed

Minimum Qualifications, Knowledge and Experience

• University degree in a business related field.
• Master’s degree in a business related field will be an added advantage
• Minimum of 3yrs experience in sales management within the Banking Industry
• Professional qualifications such as AKIB

Key Competencies and Skills

• Selling and Negotiation Skills
• Basic accounting skills 
• Team Work and Interpersonal skills
• Leadership Skills
• Analytical Skills
• Integrity and Professionalism
• Communication Skills