Jobs at Flexi Personnel

Job Purpose

Reporting to the CEO, the Head of Credit provides overall leadership of the credit function to grow and maintain quality loan book to maximize return and manage risk in accordance with bank’s strategic plan, credit policy and procedures. The job holder will be the secretary to Board Credit Committee.

Key Responsibilities:

• Strategy & Leadership – Take strategic and operational ownership for the bank’s Credit function including policies, systems, and processes to achieve quality growth in accordance with the bank’s strategic plan.
• Review of process & Procedures – Regularly review and strengthen the Bank’s credit processes, including credit risk assessment and portfolio risk management and reporting.
• Portfolio performance Management – Understand portfolio performance, both quantitatively through rigorous data analysis and compared to industry benchmarks, and qualitatively through significant time in the field with our customers.
• Compliance – Ensure compliance with established/ approved credit risk policies and procedures, Bank’s Credit Policy Document, comply with Microfinance Act provisions and ensure correct classification and provisioning of the loan book in accordance with prudential guidelines and IFRS.
• Market research – Continually review Sectoral ceilings; discretionary authorities; portfolio measures; including industry limits, tenor limits, risk rating, NPLs, risk acceptance criteria, security acceptance and credit risk matrices.

Growth of quality loan book

• Quality assessment and prudent decisions on loan applications within lending discretionary limit and/or making recommendations to higher approving authority to grow the good book whilst minimizing risk.
• Compliance with target turnaround time and the agreed Service Level Agreement (SLA).
• Provide technical support on development of new and reviewing existing credit products and credit appraisal tools.
• Automation – Implementation of automated processes to minimize manual interventions thereby increasing efficiencies in delivery of credit products at both personal and enterprise lending levels.

Team Leadership and Talent Management-

 Provide leadership for the credit team reporting to the Head of Credit in view of establishing and maintaining a high performing and motivated team.

• Provide prompt guidance, mentoring, coaching and support on aspects of credit to all credit teams across branch network.
• Identify training needs of credit teams in head office and across branch network through branch visits, spot checks and observations and implement appropriate credit up-skilling.
• Undertake performance planning, performance monitoring and performance review for the team in credit department.

 Credit Administration and Portfolio Management-

• Management of the credit administration aspects of the portfolio, including ensuring that all requisite security documentations are in place prior to disbursements.
• Ensuring loan facilities contractual documents are properly executed with supporting documents and ensure conditions precedent, have been fulfilled.
• Monitor performance of loan facilities, grading, and provisioning in accordance with CBK prudential guidelines and IFRS requirements.
• Ensure generation of adequate reports for analysis of the credit portfolio including, but not limited to portfolio concentration risk and portfolio quality and provide timely and accurate information to CBK, external and internal auditors and the Compliance function as and when required.
• Ensure all income due to the bank is promptly collected and posted to the GL.

Debt Recovery Management-

• Ensure collections and recoveries are done and escalations to Managing Director/CEO for remedial discussions with the Business Development team.
• Daily monitoring of the loan book.
• Implementation of strategies aimed at improving the credit portfolio quality.
• Manage relations with collection agencies.
• Continually review Sectorial ceilings; discretionary authorities; portfolio measures; including industry limits, tenor limits, risk rating, NPLs, risk acceptance criteria, security acceptance and credit risk matrices.
• Any other duties as shall be given by your immediate supervisor from time to time.

Qualifications

• University degree in economics, mathematics, statistics, or a business-related field from an accredited university.
• Professional qualification in banking such as AKIB, ACIB, certified Credit management, CPA, ACCA will be a distinct advantage.
• Master’s degree in business or related field will be an added advantage.
• Minimum 12 years work experience in the credit department in a busy Banking or Financial Services sector seven of which must be in senior management.
• Knowledge of Banking Operations/ Credit Processes.
• Good credit underwriting and management skills.
• General Banking laws and practice.
• Analytical and Critical Thinker.
• Self – Drive, Flexibility, Focus and attention to detail.
• Working knowledge of business operating environment, banking, local & world economic environment.
• Dynamic individual with a strong desire to achieve successful results.
• Strong people management skills, interpersonal and analytical skills.
• Excellent communication skills both verbal and written.
• Strong negotiation and problem-solving skills.
• Ability to work under pressure and deliver quality results within specified timelines.
• Ability to lead and coach a team of analysts and progressively grow their competency levels.
• Proficiency in computer packages e.g., Ms Word, Ms Excel, and Ms Power point.

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JOB PURPOSE

The payroll accountant will be responsible for continuously improving payroll operational processes, designs, and implementation to ensure that payments are made accurately on a timely manner. Additionally, they will be required to maintain a great team to enhance effective internal/external client relationships within own area of responsibility.

Responsibilities

• Responsible for accurate and timely payroll processing as per clients’ SLAs
• Responsible for excellent customer service to all company clients.
• Responsible for collating all payroll information required for accurate invoicing to be done.
• Responsible for sharing and follow up on invoices to Lead invoices are paid on time.
• Responsible for client accounts payroll reconciliations and sharing with clients as per agreed SLAs
• Responsible for generating respective monthly client statutory schedules for tax payments.
• Responsible for ensuring Client files both soft and hard copies are properly updated and filed.
• Responsible for monitoring client profitability analysis.
• Lead in ensuring all clients’ auxiliary services are billed before payments are done.
• Responsible for ensuring all client control accounts are clearing and provide reasons if they are not clearing.
• Responsible for maintaining and updating payroll records on Mansoft system.
• Responsible for sharing employees pays lips monthly.
• Responsible for ensuring respective credit notes are done by credit controller on sage system.
• Responsible for ensuring all staff PAYE, NSSF, NHIF, HELB, Saccos and Pension are accurately filed and paid.
• Responsible for sharing all P9s with all outsourced staff annually.
• Responsible for requesting and sharing Sacco, loan, and pension statements with staff on quarterly basis
• Assist auditors for the purpose of providing accurate supporting documentation and/ or information on internal process that is required for audit.
• Provide accurate data and documentation required by the Payroll Accounts for the preparation of financial and management accounts.
• Responsible for filling of payroll documents for allocated accounts and ensuring all payroll files are updated monthly and ready for an audit process at all times
• Any other role assigned to you by your supervisor or senior management.

Qualifications

• KCSE B PLAIN
• CPAK
• WORKING EXPERIENCE IN A PAYROLL DEPARTMENT
• ANY OTHER RELATED
• Ability to meet deadlines
• Ability to maintain confidentiality
• Attention to detail
• Computer proficiency
• Strong communication skills, both written and verbal
• Organization
• Payroll software experience
• Regulatory compliance
• Spreadsheet creation and updating
• Tax form filing

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Job Purpose

 Responsible for working with the payroll accountants to support the business and payroll operational processes.

 Responsibilities     

• Support the payroll accountants on the processes they will be trained in.
• Assist in collating payroll information required for accurate invoicing to be done.
• Assist in maintaining and updating records on the system.
• Assist in accurate filing of statutory records.
• Assist in filing of payroll documents for allocated accounts and ensuring all payroll files are updated monthly and ready for an audit process at all times
• Any other role assigned to you by your supervisor or senior management

Qualifications

• O Level B Plus
• CPAK
• Ability to maintain confidentiality
• Attention to detail
• Computer proficiency
• Strong communication skills, both written and verbal
• Very strong planning and Organization skills
• Spreadsheet creation and updating