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  • Posted: Aug 28, 2020
    Deadline: Not specified
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    SMEP Microfinance Bank Limited is a public limited company incorporate under the companies Act (Cap 486) and licensed under the microfinance Act (Cap 493D) to offer banking, focusing on Group banking, Retail banking, Church banking, Asset financing, microfinance and related services. Our vision is to be a dynamic christian provider of financial solutions ...
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    Business Development Officers

    Job Summary

    Responsible for business development through marketing and recruiting of customers, processing and disbursement of loans and ensure timely collection of the same to ensure healthy portfolio and a happy and satisfied customer base.

    QUALIFICATIONS AND COMPETENCIES:

    • A minimum grade of C+ (plus) in KCSE
    • An undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized
    • Knowledge in Sales and Marketing, credit risk management, credit lending, as well as relevant experience in the Banking sector will be an added advantage.
    • Proficiency in computers is mandatory.
    • Ability to analyze and interpret financial statements
    • Clear understanding of Microfinance banking industry is an added advantage.
    • Good interpersonal & communication skills with excellent customer service.
    • A team player with the drive to improve performance.
    • Persuasive with strong recognition skills,
    • Self-driven and possess the ability to work with minimum supervision
    • Ability to work independently under minimum supervision.
    • Strong Christian values, commitment and passion for the transformation of the population.
    • Aged between 26 and 35 years

    Responsibilities

    • Responsible for Marketing of Banks products and services
    • Facilitate recruitment and registration of clients in existing and new groups
    • Stimulate client training on SMEP policies, procedures and basic business skills, loans, business, e.t.c.
    • Ensure that all clients contribute weekly savings and repay their loans on time
    • Responsible to evaluate clients’ businesses and determine whether they are worth the amount applied for
    • Responsible for client evaluations and loan processing.
    • Responsible for maintaining a quality asset portfolio as per the Banks requirements
    • Responsible for preparation and submissions of timely daily, weekly, monthly and quarterly reports as per the Banks’ requirements to the respective Office Holders. 
    • Responsible for recording, verifying and assessing the chattels offered for loans with assistance of the Branch Manager
    • Ensure follow-up of defaulters and collection of arrears
    • Responsible for record keeping for all clients e.g. savings, loan status etc.
    • Ensure client retention through excellent customer service

    go to method of application »

    SME and Institution Banking Officers

    Responsible for marketing Banks’ products and services in churches, SMEs and Institutions to recruit and intake of new customers, processing and disbursement of loans and ensure timely collection of the same to ensure healthy portfolio and happy satisfied customers.

    KEY DUTIES AND RESPONSIBILITIES

    1. To champion SME product in the Branches.
    2. Prospect new SME clients and assist in loan application.
    3. Conduct and ensure proper loan appraisals to be measured by approval success rate.
    4. Prepare and execute loan contracts and arrange for disbursement of loans.
    5. Ensure client retention through excellent customer service and maintain a good relationship with existing SME customers.
    6. Engage in proper Know Your Customer (KYC) Vetting of clients using supporting documents and SME appraisal tools.
    7. Compliance to audit standards and company policies and procedures.
    8. Ensure periodic SME training is carried out at the branch to enhance awareness and cross selling.
    9. Ensure timely loan repayments through aggressive follow ups.
    10. Delinquency and default management actions as per credit policy.
    11. Mobilize deposits in line with branch targets

    QUALIFICATIONS AND EXPERIENCE:

    • A minimum grade of C+ (plus) in KCSE
    • A undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized
    • Knowledge in Sales and Marketing, credit risk management, credit lending will be an added advantage.
    • At least 2 years’ experience in the financial sector with proven and demonstrable ability to grow SME business.
    • Proficiency in computers is mandatory.
    • Ability to analyze and interpret financial statements
    • Clear understanding of microfinance/banking industry is an added advantage.
    • Good interpersonal & communication skills with excellent customer service.
    • A team player with the drive to improve performance.
    • Persuasive with strong recognition skills,
    • Self-driven and possess the ability to work with minimum supervision
    • Ability to work independently under minimum supervision.
    • Strong Christian values, commitment and passion for the transformation of the population.
    • Aged between 26 and 35 years

    Method of Application

    The full job profile is also on the website and qualified and interested candidates who meet the criteria should download the “Job Application Form” HERE and send their filled applications to recruitment@smep.co.ke. Only shortlisted candidates will be contacted.

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Average Salary at SMEP Microfinance Bank
KSh 29K from 9 employees
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