Job Openings at K-Unity

JOB PURPOSE

Reporting to the Chief Manager Credit, the Credit Portfolio Team Leader will be responsible for.

1. Managing the assigned portfolios.
2. Ensure proper loan analysis and appraisal
3. Guarantee proper loan monitoring.
4. Deliver superb Customer Relationship Management
5. Ensure efficient collection of outstanding loans to maintain the recommended PAR levels.

• KEY RESPONSIBILITIES

• Conduct thorough due diligence and checks before disbursing a facility and there after engaging clients for post-review dynamics in the event circumstances changes.
• Loan analysis- Support the Branch Credit Officers to collect, verify and analyze information to help in determining whether the borrower qualifies for the facility given his/her personal entrepreneurial business/venture skills, macro-economic market outlook and the amount of their investments/equity in their businesses/ventures.
• In collaboration with the Chief Manager – Credit, review and update the qualification of risk during the analysis of the credit proposal and during the life of the loan once disbursed.
• Support the execution of ‘’due diligence’’ of businesses in every stage of the loan’s application to ensure well informed decision making and qualification of the risk involved. Critically analyze the financial statements and apply financial, commercial, environmental, and social criteria to the actual and considered credits, providing recommendation for payment, and monitoring of disbursed loans.
• Loan appraisals- examine a Customer’s capability and securitization/collateralization, subjecting the borrower to a rigorous business/personal checks with the aim of determining whether the client has current or potential cash flows to make good the loan obligation and whether the client has a collateral/security in the event of adversity.
• Client relationship – continual interaction and communication with clients, in collaboration with the Business Development Department enhance value addition to clients through skills enhancement at their establishments & farms, and more so resolving their complaints regarding the SACCO facilities and services.
• Loan monitoring- post-loan analysis & appraisal that may lead if necessary, to restructuring and rescheduling of the facilities in case of change e.g. a disruption in macro-economic business environment/Covid-19/drought/fiscal policies.
• Debt collection – Where some facilities fall due in a portfolio follow the best remedial strategies of communication through mobile phones, emails, demand letters and ultimately guarantorship and collateralization.
• Monitoring of Portfolio at Risk (PAR) in the assigned portfolios and advising management on areas of concern.
• Ensuring collection and recovery systems are compliant with all relevant legislation and regulatory requirements.
• Ensure Client contract compliance in line with loan agreement/ approved terms and conditions.
• Prepare daily and monthly reports and any other report as may be required by the Management.

Formal Education:

1. Bachelor’s degree in a Business-related field.
2. Professional credit qualification e.g. Certified Credit Professional

Skills

Technical Skills

1. Excellent Analytical skills
2. Excellent Report writing skills
3. Good Negotiation skills
4. Superb Customer service skills
5. Good Planning and Organizing skills

General/Core skills

1. Good Interpersonal skills
2. People management skills
3. Problem solving skills

Experience required

At least 4 years’ experience in a busy Credit Department in a Financial Institution

go to method of application »

Job Summary

Reporting to the Business Support Manager the job holder will be responsible for leading the branch team, deliver outstanding business performance through robust leadership of the Branch, ensuring optimum productivity, operation efficiency and exceptional customer service.

Duties and Responsibilities

• Propel Business growth and development as per KPIs given.
• Evaluate local market conditions identify current and prospective sales opportunities and develop forecasts, and business plans for the branch.
• Develop and implement branch strategy to ensure achievement of branch targets.
• Address customer and employee satisfaction issues promptly and promote a superb customer service culture.
• Collaborate fully with the credit Department in extending and enforcing credit policy.
• Credit Risk monitoring and control of credit portfolio.
• Ensure proper due diligence on KYC is conducted on all customer accounts to effectively manage AML risks at the branch level.
• Ensure total observance of control and Risk Policies and procedures by all staff in the branch.
• Monitor and evaluate the performance of all branch staff, prepare performance appraisals, and recommend and/or initiate corrective action where necessary to improve performance.
• Offer leadership and guidance to the branch team through efficient planning, communication, training, mentoring, and coaching.
• Ensure achievement of the branch performance objectives.
• Ensure adherence to integrity and high ethical standards by all staff in the branch.
• Ensure compliance with occupational, safety and health requirements.
• Liaising with the departmental heads and other relevant stakeholders on issues relating to the branch.

Key Qualifications:

• Bachelor’s Degree holder (in a business field), at least CPA Part II,
• Management and leadership ability: Have outstanding interpersonal and people management skills.
• Computer skills: Adept in use of Ms Word, Excel, Access, power-point, and Internet.

Experience required

• At least 5 years’ experience in a similar position in a Financial Institution.

go to method of application »

JOB PURPOSE

Reporting to the Chief Manager Credit, the Credit Portfolio Team Leader will be responsible for.

1. Managing the assigned portfolios.
2. Ensure proper loan analysis and appraisal
3. Guarantee proper loan monitoring.
4. Deliver superb Customer Relationship Management
5. Ensure efficient collection of outstanding loans to maintain the recommended PAR levels.

• KEY RESPONSIBILITIES
• Conduct thorough due diligence and checks before disbursing a facility and there after engaging clients for post-review dynamics in the event circumstances changes.
• Loan analysis- Support the Branch Credit Officers to collect, verify and analyze information to help in determining whether the borrower qualifies for the facility given his/her personal entrepreneurial business/venture skills, macro-economic market outlook and the amount of their investments/equity in their businesses/ventures.
• In collaboration with the Chief Manager – Credit, review and update the qualification of risk during the analysis of the credit proposal and during the life of the loan once disbursed.
• Support the execution of ‘’due diligence’’ of businesses in every stage of the loan’s application to ensure well informed decision making and qualification of the risk involved. Critically analyze the financial statements and apply financial, commercial, environmental, and social criteria to the actual and considered credits, providing recommendation for payment, and monitoring of disbursed loans.
• Loan appraisals- examine a Customer’s capability and securitization/collateralization, subjecting the borrower to a rigorous business/personal checks with the aim of determining whether the client has current or potential cash flows to make good the loan obligation and whether the client has a collateral/security in the event of adversity.
• Client relationship – continual interaction and communication with clients, in collaboration with the Business Development Department enhance value addition to clients through skills enhancement at their establishments & farms, and more so resolving their complaints regarding the SACCO facilities and services.
• Loan monitoring- post-loan analysis & appraisal that may lead if necessary, to restructuring and rescheduling of the facilities in case of change e.g. a disruption in macro-economic business environment/Covid-19/drought/fiscal policies.
• Debt collection – Where some facilities fall due in a portfolio follow the best remedial strategies of communication through mobile phones, emails, demand letters and ultimately guarantorship and collateralization.
• Monitoring of Portfolio at Risk (PAR) in the assigned portfolios and advising management on areas of concern.
• Ensuring collection and recovery systems are compliant with all relevant legislation and regulatory requirements.
• Ensure Client contract compliance in line with loan agreement/ approved terms and conditions.
• Prepare daily and monthly reports and any other report as may be required by the Management.

KNOWLEDGE, SKILLS AND EXPERIENCE

Formal Education:

1. Bachelor’s degree in a Business-related field.
2. Professional credit qualification e.g. Certified Credit Professional

Skills

Technical Skills

1. Excellent Analytical skills
2. Excellent Report writing skills
3. Good Negotiation skills
4. Superb Customer service skills
5. Good Planning and Organizing skills

General/Core skills

1. Good Interpersonal skills
2. People management skills
3. Problem solving skills

Experience required

At least 4 years’ experience in a busy Credit Department in a Financial Institution

go to method of application »

Key Responsibilities

• Develop, maintain, and execute demand creation plans/interventions aligned with business goals.
• Develop a deep understanding of customers, products, and the customer journey.
• Work closely with other departments to build cross-functional cohesion.
• Present to management to get buy-in and secure budgets, as well as report results.
• Create personas tied to specific customer needs and preferences.
• Grow distribution across all channels.
• Business growth and development as per KPIs on BSC.

Qualifications

• Hold a bachelor’s degree in Commerce/Business, or related field.
• Professional qualifications MSK/ICM is a plus.
• Have a minimum of four (4) years’ experience at Branch management in the Banking/Sacco sector with proven result track record.

Competencies

• Understand the Sacco Act and general laws related to Banking/Co-operatives, high levels of professionalism and professional development.
• Management and leadership ability: Have excellent interpersonal and people management skills.
• Computer skills: Adept in use of Ms. Word, Excel, Access, power-point, and Internet.

Personal Attributes

• Personality: results oriented with excellent communication and social skills. A forward planner with clear focus, mature, reliable, hardworking, and able to work without supervision.
• Honest and with high integrity.

go to method of application »

Key Responsibilities

• Responsible for efficient management of the customer life cycle to meet company objectives of profitability, company success and stakeholders experience.
• Lead customer service initiatives that enhance customer satisfaction by developing complaint handling mechanisms, feedback mechanisms and promoting information dissemination (among other measures) in a manner that reduces complaints towards zero.
• Developing of ways/initiatives to show appreciation to loyal clients.
• Developing methods to improve and maintain the overall brand experience.
• Identify product gaps through market research, market intelligence or otherwise and recommend modifications and /or new product development.

The ideal candidate must possess the following:

Qualifications

• Hold a bachelor’s degree in Commerce/Business, or related field.
• Professional qualifications MSK/ICM is a plus.
• Have a minimum of four (4) years’ experience at Branch management in the Banking/Sacco sector with proven result track record.

Competencies

• Understand the Sacco Act and general laws related to Banking/Co-operatives, high levels of professionalism and professional development.
• Management and leadership ability: Have excellent interpersonal and people management skills.
• Computer skills: Adept in use of Ms. Word, Excel, Access, power-point, and Internet.

Personal Attributes

• Personality: results oriented with excellent communication and social skills. A forward planner with clear focus, mature, reliable, hardworking, and able to work without supervision.
• Honest and with high integrity.

go to method of application »

Summary

Reporting to the Branch Manager the job holder is responsible for providing exceptional Customer service including efficient and accurate transaction processing.

Duties and Responsibilities

• Receive cash/cheques for deposit, verify amounts and check accuracy of deposit slips.
• Examine cheques endorsement and to verify other information i.e. dates, bank names, identify people receiving payment and authenticity of the documents.
• Maintains adequate cash within insurance limit in their tills.
• Maintain a level of confidentiality with all information obtained.
• Sending and receiving funds through international money transfer systems, m-pesa, point of sale (pos) western union and money gram.
• Posting microfinance group contributions
• Paying customers using payment vouchers
• Marketing and cross selling of Sacco product and services.
• Liaises with superiors to detect and report all suspicious cases of fraud and forgeries.
• Represent the SACCO in a manner that maintains and expands positive relations with all customers, potential customers and co – workers.
• Answer customer inquiries and refer customers to the proper service area for issues that cannot be resolved at teller point.
• Enter customers’ transaction into the computer to record transactions and issue computer generated receipts, refunds.
• Count currencies and cheques received by hand or using the counting machine in order to prepare them for deposits/withdrawal or return to Branch Manager
• Balance currency/cheques in cashier till at the end of the day and prepare tellers cash certificate of the day.
• Any other duties that may be assigned by Management.

Key Qualifications:

• Bachelor’s degree in a business-related field
• CPA 1
• Must be computer literate
• Strong interpersonal skills with excellent communication and presentation skills
• Ability to focus and execute on defined projects, with the potential to grow the business
• A person of integrity, team player and have effective communication skills.

go to method of application »

Key Responsibilities

• Prepare and deliver appropriate presentations on products and services
• Conduct market research to identify selling possibilities and evaluate customer needs
• Actively seek out new sales opportunities through networking and social media
• Set up meetings with potential clients and listen to their wishes and concerns
• Create frequent reviews and reports with sales and financial data
• Participate on behalf of the Sacco in exhibitions or conference.

The ideal candidate must possess the following:

Qualifications

• Hold a bachelor’s degree in Commerce/Business, or related field.
• Professional qualifications MSK/ICM is a plus.
• Have a minimum of four (4) years’ experience at Branch management in the Banking/Sacco sector with proven result track record.

Competencies

• Understand the Sacco Act and general laws related to Banking/Co-operatives, high levels of professionalism and professional development.
• Management and leadership ability: Have excellent interpersonal and people management skills.
• Computer skills: Adept in use of Ms. Word, Excel, Access, power-point, and Internet.

Personal Attributes

• Personality: results oriented with excellent communication and social skills. A forward planner with clear focus, mature, reliable, hardworking, and able to work without supervision.
• Honest and with high integrity.

go to method of application »

Summary

Reporting to the Finance Manager the job holder will be tasked with posting to various accounts and ensuring that the data is accurate and ensuring all cheques are properly drawn and posted, preparing monthly financial statement, and undertaking various reconciliations.

Key Responsibilities

• Posting of salaries, invoices, and other relevant transaction.
• To ensure accuracy and accountability of all transactions.
• Custodian of the trial balance of the assigned activities.
• Preparing monthly financial statements and management reports.
• Reconciling accounts, ledger & bank.
• Preparing financial reports of the assigned activities.
• Writing and booking of cheques.
• Updating customer accounts & general ledger accounts where necessary.

Key Qualifications:

• Bachelor’s degree in a business-related field and C.P.A (K).
• Have at least 3 years of experience in a similar capacity.
• Must be computer literate
• Strong analytical skills.
• Strong interpersonal skills with excellent communication and presentation skills, a person of integrity, team player and have effective communication skills.

go to method of application »

JOB PURPOSE

Reporting to the Chief Manager Credit, the Credit Portfolio Team Leader will be responsible for.

1. Managing the assigned portfolios.
2. Ensure proper loan analysis and appraisal
3. Guarantee proper loan monitoring.
4. Deliver superb Customer Relationship Management
5. Ensure efficient collection of outstanding loans to maintain the recommended PAR levels.

• KEY RESPONSIBILITIES
• Conduct thorough due diligence and checks before disbursing a facility and there after engaging clients for post-review dynamics in the event circumstances changes.
• Loan analysis- Support the Branch Credit Officers to collect, verify and analyze information to help in determining whether the borrower qualifies for the facility given his/her personal entrepreneurial business/venture skills, macro-economic market outlook and the amount of their investments/equity in their businesses/ventures.
• In collaboration with the Chief Manager – Credit, review and update the qualification of risk during the analysis of the credit proposal and during the life of the loan once disbursed.
• Support the execution of ‘’due diligence’’ of businesses in every stage of the loan’s application to ensure well informed decision making and qualification of the risk involved. Critically analyze the financial statements and apply financial, commercial, environmental, and social criteria to the actual and considered credits, providing recommendation for payment, and monitoring of disbursed loans.
• Loan appraisals- examine a Customer’s capability and securitization/collateralization, subjecting the borrower to a rigorous business/personal checks with the aim of determining whether the client has current or potential cash flows to make good the loan obligation and whether the client has a collateral/security in the event of adversity.
• Client relationship – continual interaction and communication with clients, in collaboration with the Business Development Department enhance value addition to clients through skills enhancement at their establishments & farms, and more so resolving their complaints regarding the SACCO facilities and services.
• Loan monitoring- post-loan analysis & appraisal that may lead if necessary, to restructuring and rescheduling of the facilities in case of change e.g. a disruption in macro-economic business environment/Covid-19/drought/fiscal policies.
• Debt collection – Where some facilities fall due in a portfolio follow the best remedial strategies of communication through mobile phones, emails, demand letters and ultimately guarantorship and collateralization.
• Monitoring of Portfolio at Risk (PAR) in the assigned portfolios and advising management on areas of concern.
• Ensuring collection and recovery systems are compliant with all relevant legislation and regulatory requirements.
• Ensure Client contract compliance in line with loan agreement/ approved terms and conditions.
• Prepare daily and monthly reports and any other report as may be required by the Management.

KNOWLEDGE, SKILLS AND EXPERIENCE

Formal Education:

1. Bachelor’s degree in a Business-related field.
2. Professional credit qualification e.g. Certified Credit Professional

Skills

Technical Skills

1. Excellent Analytical skills
2. Excellent Report writing skills
3. Good Negotiation skills
4. Superb Customer service skills
5. Good Planning and Organizing skills

General/Core skills

1. Good Interpersonal skills
2. People management skills
3. Problem solving skills

Experience required

At least 4 years’ experience in a busy Credit Department in a Financial Institution

go to method of application »

Job Summary

Reporting to the Internal Audit Manager the Information Systems Auditor will be responsible for conducting independent reviews on the Sacco’s Management Information Systems and Information Security and highlighting exceptions or violations.

Duties and Responsibility of the Information System Auditor

1. Performing general and application control reviews for the existing ICT systems.
2. Reviewing of ICT related policies to ensure that they comply with the legal, regulatory, and other guiding standards.
3. Performing information control reviews to include system development standards, operating procedures, system security, programming controls, communication controls, backup and disaster recovery, and system maintenance.
4. Reviewing of internal control procedures and security for systems under development and/or enhancements to current systems.
5. Reviewing of all system parameters.
6. Automation of system audits.
7. Preparation of audit findings reports and working papers to ensure that adequate documentation exists to support the completed audit and conclusions.
8. Following up on audit findings to ensure that management has taken corrective action(s).
9. Coordinating and interacting with external auditors, regulators, law enforcement officials and other relevant stakeholders in provision of necessary reports as guided by various regulations.
10. Assisting and training other audit staff in the use of computerized audit techniques, and in developing methods for review and analysis of computerized information systems.
11. Maintaining currency of knowledge with respect to relevant state-of-the-art technology, equipment, and/or systems.
12. Conducting operational, compliance, financial and investigative audits, as assigned.
13. Performing miscellaneous job-related duties as assigned.

Job Requirements

1. Bachelor’s degree in Computer Science or ICT related field.
2. Certification in either of the following: Information Systems Auditor (CISA), OR Cert Internal Auditor (CIA), OR Certified Public Account (CPA section 4).
3. He/she should be familiar with the basics of accounting and finance
4. At least 3 years of experience directly related to the duties and responsibilities specified.
5. Should have strong analytical, reporting, and problem-solving skills.