Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.
Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...
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Principle Accountabilities
LEGAL FUNCTIONS
- Support HFDI in conveyance of the housing units to the vendors of the units
- Providing legal opinions to the Subsidiaries Heads, Management & the Branch Network and diverse business needs
- Coordinating and convening board and shareholder meetings of the various joint venture companies
- Regulatory compliance by compiling and filing the relevant statutory documentation with the Registrars, which include Annual returns, change of directors and share increment for the SPV and joint venture companies
- Vetting & approving lease documents for lease premises owned by the Company and those rented by the Company from third parties
- Drafting, perusing & approving service & other contracts entered into with the Company by external service providers and drafting other legal documents as may be required by the Company from time to time
- Constant evaluation & monitoring of the agreements that the Bank is party to mitigate legal risk of non-compliance with continuing obligations
- Periodically assess the advocate’s performance against the SLA signed between the Bank and the Advocates.
- Trainings and capacity building fora for HF staff members, and managing legal opinions and FAQs to staff
ADMINISTRATIVE RESPONSIBILITIES
- Handling & exchanging daily correspondence with Subsidiaries, Branches & other Departments of the Company
- Maintaining & constantly updating a record of the Company’s contracts, leases, trademarks, professional indemnities and status thereof
CUSTOMER CARE
- Listen to problems and offer timely and workable solutions.
- Treating external staff and internal staff courteously and making every effort to be of assistance.
- Counseling staff on legal matters.
TRAINING
- Training staff on new regulatory developments and other matters of a legal nature in liaison or collaboration with external counsel.
- Follow up on performance of the trained Staff at the respective work stations
- On Site Training.
OTHER DUTIES
- Represent the department in certain meetings when called upon and as delegated from time to time.
- Represent the Company whenever called upon to do so.
- Any other duties as assigned from time to time.
- Conducting workshops for specific needs of business units
- Representing the department in Company projects that require legal input
- Sitting in & actively participating in nominated committee & task forces
Key Competencies and Skills
Personal Attributes
- Integrity
- Attention to detail
- Good Judgment
- Commitment
- Dedication
- Honesty
Skills required to undertake the role
- Analytical Skills
- Communication Skills- Oral and Written
- Conceptual Skills
- Decision Making Skills
- Leadership Skills
- Excellent Interpersonal Skills
- Influencing and Negotiation Skills
- Computer Literacy Skills
Minimum Qualifications, Knowledge and Experience
Education:
- Bachelor’s degree in Law from a recognized institution; and
- Diploma of Law from the Kenya School of Law.
- Advocate of the High Court of Kenya.
Experience:
- An Advocate of 2 years’ experience, practising in a busy commercial law firm specialising in conveyancing and deals structuring
- Working knowledge of the legal environment for Affordable Housing, Joint Ventures, Land Administration, Land Registration, Banking and general business/commerce in Kenya
- Working knowledge of the lending practice for financial institutions, particularly lending to the different market segments – corporate, SMEs and retail banking
- Working knowledge of business management and banking acquired through practical experience in a work environment, seminars and courses on business and banking related subjects
- Participant in Continuous Education programs under both the Law Society of Kenya and ICPSK;
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Principle Accountabilities
LEGAL FUNCTIONS
- Acknowledging receipt of all security documents from the Borrowers via the Relationship Team and/or the external legal counsel;
- Updating the pre- disbursement checklist for tracking purposes;
- Reviewing all documents to confirm legal terms and enforceability;
- Forwarding the original security documents to Safe Custody unit for lodgment;
- Forwarding lodgment/ disbursement sheet to Credit Admin for disbursement and updating of the system with details of security held;
- Forwarding to credit admin relevant documents to facilitate disbursement
- Creation of liens in case of cash security;
Supervising perfection of securities by external advocates:
- Supervising and coordinating the perfection of Bank security documents prepared by the Bank’s external advocates and ensuring completion within the SLA timelines from the date of issuance of instructions to completion.
Undertaking the following pertaining to perfection of securities:
- Instructing external lawyers to prepare and finalise all types of security documentation on behalf of the Bank;
- Reviewing the draft security documents received from external lawyers and also supervising the review of security documents to ensure quality, uniformity and enforceability;
- Prepare in-house security documents for customers and/or the group companies’ wishing to save on legal fees upon request/instructions from management;
- Negotiating syndication agreements for and on behalf of the Bank;
- Liaising with the concerned Relationship Managers in regards to arranging for the execution of security documents by the Bank’s Customers;
- Reviewing the registered security documents to ensure proper registration before submitting the same the Credit Department for lodgement and giving the disbursements go-ahead;
- Reviewing all undertakings issued by or received by the Bank particularly for the takeover of facilities, sale transactions, release of title documents for creation of tenancy leases, extension of lease, amalgamation or change of user, and circulating for signing by authorised bank attorneys
- Reviewing and obtaining Credit approval for the discharge of bank collaterals for redeemed accounts or on takeover of facilities and circulating the discharge for signing by authorised bank attorneys
- Maintaining a report of all the outstanding undertakings handled within the department clearly setting out the obligations to be fulfilled, the parties involved and the timelines to be met;
- Following up to ensure that the undertaking obligations are fulfilled within the stipulated timelines;
- Recommending necessary action(s) to be taken in the event of breach of terms by any party to the undertaking(s).
Reports:
- Coordinating and ensuring that the disbursed facilities, and pending securities reports are sent to the divisional heads and RMs;
- Coordinating and ensuring the miscellaneous report pertaining to security documents released after disbursement for various reasons (e.g. creation of tenancy leases, extension of lease, amalgamation or change of user).
Panel of advocates:
- Ensuring that the law firms provide their firm’s professional indemnity cover and following up for renewal dates as and when expires;
- Ensuring to procure the Tax Compliance Certificates for each year from the Advocates;
- Periodically assess the advocate’s performance against the SLA signed between the Bank and the Advocates.
Other duties
- Applications for registration of any new Trademarks and Trademarks renewal upon expiry
- Supervising and co-ordinating the review of any other security documentation that the Bank may enter into with third parties; and
- Advise the Bank on its rights and remedies under any legal documentation.
- Periodically reviewing the standard form security documents to ensure they capture the current market trends and recent development in laws;
- Periodically arranging for external lawyers to undertake security audits.
ADMINISTRATIVE RESPONSIBILITIES
- Handling & exchanging daily correspondence with Subsidiaries, Branches & other Departments of the Company
- Maintaining & constantly updating a record of the Company’s contracts, leases, trademarks, professional indemnities and status thereof
STAFF FUNCTIONS
- Appraise staff performance in the department.
- Ensure fair and equitable distribution of duties.
- Supervise all staff and ensure discipline is maintained.
- Attend to staff complaints, personal grievances and counsel them when necessary.
CUSTOMER CARE
- Listen to problems and offer timely and workable solutions.
- Treating external staff and internal staff courteously and making every effort to be of assistance.
- Counseling staff on legal matters.
TRAINING
- Training staff on new regulatory developments and other matters of a legal nature in liaison or collaboration with external counsel.
- Follow up on performance of the trained Staff at the respective work stations
- On Site Training.
OTHER DUTIES
- Represent the department in certain meetings when called upon and as delegated from time to time.
- Represent the Company whenever called upon to do so.
- Any other duties as assigned from time to time.
- Conducting workshops for specific needs of business units
- Representing the department in Company projects that require legal input
- Sitting in & actively participating in nominated committee & task forces
Key Competencies and Skills
Personal Attributes
- Integrity
- Attention to detail
- Good Judgment
- Commitment
- Dedication
- Honesty
Skills required to undertake the role
- Analytical Skills
- Communication Skills- Oral and Written
- Conceptual Skills
- Decision Making Skills
- Leadership Skills
- Excellent Interpersonal Skills
- Influencing and Negotiation Skills
- Computer Literacy Skills
Minimum Qualifications, Knowledge and Experience
Education: Bachelor’s in Law (LLB), Diploma Kenya School of Law, Admission to the Bar. CPS qualification an added advantage.
Experience:
- An Advocate of 2-3 years’ experience practising in a busy commercial law firm or in-house legal department of a financial company
- Desirable: Training in a banking/company course
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Principle Accountabilities
Preparation of Legal and other related documents to ensure accurate information is passed to the various stakeholders in compliance with Legal requirements and customer satisfaction.
Safe custody & Customer attendances
- Recalling and maintaining Legal documents, registers and schedules to ensure integrity and safe custody of information for purposes of reducing exposure to risk.
- Attending and advising the various stakeholders for purposes of providing information so as to offer efficient Customer Service.
- Simple Deposits – maintenance and follow up customers on safe custody fees
Power of attorneys
- Preparing power of attorney’s documentations upon appointment of new attorneys of the Bank for execution by the Director and Director/Secretary and registration.
- Revocations of outgoing Attorneys and follow up with Advocates to effect registration.
Asset Finance & registration on MPRS
- Registration of new asset finance facilities under MPRS.
- Joint registration of logbooks and registration on MPRS for asset finance facilities.
- Follow up and collection of up duly transferred log books for customers to ensure they are held in safe custody
- Discharge of Logbooks once the loan facility is redeemed, takeover or on write-off
Searches for account opening
- Company, societies & business name searches for account opening, and advising business on whether to open the account
- Maintaining register of searches completed and pending
- Reconciliation and preparing requests for provision of additional mpesa float for searches
Maintenance of databases
- Logbooks & MPRS
- Collaterals / Deeds Register (hard cover & excel)
- Simple Deposits – maintenance and follow up customers on safe custody fees
- Titles release & Titles internal circulation register
- Trademarks
- Advocates Professional Indemnities
- Powers of Attorney
- Contracts Register
- Register of all correspondence sent to the department, and from the department daily
- Register of all feenotes received, circulated for payment, paid and pending payment
- Seal Register
Shares Registration
- Attending to walk-in shareholders.
- Dividend cheques replacement.
- Preparing of statutory reports.
- Preparation of AGM and collection of proxies forms for onwards delivery to the shares registrars
- Dividend data preparation and processing.
- Analyzing of monthly reports and submitting to management and regulators.
- Regulatory compliance by compiling and filing the relevant statutory documentation with the Registrar-General, which include Annual returns, change of directors and share increment.
- Compliance with the provisions of the Unclaimed Financial Assets Act.
- Monitor the performance trend of the Company’s share price, market Index and shareholder trends.
- Provide technical advice on shareholder issues including but not limited to CDSC immobilization, transmission cases and dematerialization.
- Any other duties as assigned from time to time.
Company Secretarial Functions
- Maintain company registers and periodic filings to ensure the Group and its subsidiaries are in compliance at the Company’s registry
- Maintaining company minute books
- Assist in Board papers preparation when there are Board meetings.
OTHERDUTIES
- Receiving all correspondence to the department, registering and distributing the mail to the person responsible for handling
- Liaising with the mailroom for registration and dispatch of all outgoing mail
- Seeing customers who call on the department from time to time
- Attending to queries by staff & external customers
- Ensuring that the law firms provide their firm’s professional indemnity cover and following up for renewal dates as and when expired
- Convening and taking minutes of departmental meetings and follow up for implementation of the agreed action items
Key Competencies and Skills
Personal Attributes
- Integrity
- Attention to detail
- Good Judgment
- Commitment
- Dedication
- Honesty
Skills required to undertake the role
- Analytical Skills
- Communication Skills- Oral and Written
- Conceptual Skills
- Decision Making Skills
- Leadership Skills
- Excellent Interpersonal Skills
- Influencing and Negotiation Skills
- Computer Literacy Skills
Minimum Qualifications, Knowledge and Experience
Education:
- Diploma in Law or Bachelor’s degree in a relevant discipline.
- Paralegal experience an added advantage.
Experience:
- Relevant experience as a Paralegal in a busy firm or in an in house Legal Departmen
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Principle Accountabilities
LEGAL FUNCTIONS
- Responsible for providing legal counsel to the Special Assets team, participating in strategic initiatives, providing subject matter expertise (in particular, on credit, insolvency and bankruptcy issues) and interpretations of relevant laws, rules, regulations, and industry practices, and advising business management on legal matters impacting the business
- Provides legal support to Special Assets in its evaluation of distressed situations, including assisting in overall strategy and review of credit/collateral documentation
- Liaise with the Special Assets Team for the recovery and collection of a portfolio of Non-Performing Loans and ensure the bank gets back monies owed
- Instructing external lawyers to sue for recovery of outstanding debts if unsecured or when appropriate
- Liaise as required with external lawyers and assist in the preparation of the required pleadings and regularly update the litigation report. Constant evaluation and monitoring of the Litigation turnaround time (TAT) and liaising with the Company’s external Lawyers in this regard. Attend the Court hearings of critical cases filed by and against the Bank
- Drafting and reviewing bank-wide legal related documentation for use by the Company including loan securities, leases and contracts, and constant evaluation & monitoring of the agreements that the Bank is party to mitigate legal risk of non-compliance with continuing obligations
- Assisting the Head of Legal to undertake Company Secretarial work including attending Board of Directors meetings and/or Board Committee meetings, writing of minutes and preparation of Board papers.
- Providing legal advisory services to the Board and guiding the board in ensuring implementation of the Companies Constitutive documents;
- Liaising with external advocates to receive legal opinions as sought by the Board, filing of various resolutions at the Companies Registry, Corporate Restructuring among others.
- Liaising with investigators, valuers, debt collectors & external lawyers on debt collection, and instructing external lawyers to sue for recovery of outstanding debts if unsecured or when appropriate, and when required, representing the Bank in courts, tribunals arbitrations & other legal fora
- Monitoring and following up on emerging legislation as well as advising the Bank on the impact of existing and newly enacted legislation on the Bank’s overall activities, and providing guidance to management and the Bank on the law, legal matters, rules and regulations affecting the Bank, its projects and its operations and ensuring legal compliance thereof
- Periodically assess the advocate’s performance against the SLA signed between the Bank and the Advocates.
- Trainings and capacity building fora for HF staff members, and managing legal opinions and FAQs to staff
ADMINISTRATIVE RESPONSIBILITIES
- Handling & exchanging daily correspondence with Branches & other Departments of the Company
- Maintaining & constantly updating a record of the Company’s Litigations and status thereof
STAFF FUNCTIONS
- Appraise staff performance in the unit.
- Ensure fair and equitable distribution of duties within the unit
- Supervise all staff and ensure discipline is maintained.
- Attend to staff complaints, personal grievances and counsel them when necessary.
CUSTOMER CARE
- Listen to problems and offer timely and workable solutions.
- Treating external customers and internal staff (customers) courteously and make every effort to be of assistance.
- Counseling staff on legal matters.
TRAINING
- Training staff on Debt Collection, Securities and other matters of a legal nature in liaison or collaboration with external counsel.
- Follow up on performance of the trained Staff at the respective work stations
- On Site Training.
OTHER DUTIES
- Represent the department in certain meetings when called upon and as delegated from time to time.
- Represent the Company whenever called upon to do so.
- Any other duties as assigned from time to time.
- Conducting workshops for specific needs of business units
- Representing the department in Company projects that require legal input
- Sitting in & actively participating in nominated committee & task forces
Key Competencies and Skills
Personal Attributes
- Integrity
- Agility and Attention to detail
- Good Judgment
- Commitment
- Dedication
- Honesty
- Teamwork
Skills required to undertake the role
- Analytical Skills
- Communication Skills- Oral and Written. High English command (Writing, speaking, Listening)
- Conceptual Skills
- Decision Making Skills
- Leadership Skills
- Excellent Interpersonal Skills
- Influencing and Negotiation Skills
- Computer Literacy Skills
Minimum Qualifications, Knowledge and Experience
Education:
- Bachelor’s degree in Law from a recognized institution; and
- Diploma of Law from the Kenya School of Law.
- Commissioner for Oaths and Notary Public;
- Advocate of the High Court of Kenya.
- Registered CPS with the Institute of Certified Secretaries of Kenya is an added advantage
Experience:
- An Advocate of minimum 5 years’ experience, practising in a busy commercial law firm or in-house legal department of a financial company
- Working knowledge of the legal environment for Banking and general business/commerce in Kenya
- Working knowledge of the lending practice for financial institutions, particularly lending to the different market segments – corporate, SMEs and retail banking
- Working knowledge of business management and banking acquired through practical experience in a work environment, seminars and courses on business and banking related subjects
- Participant in Continuous Education programs under both the Law Society of Kenya and ICPSK;
- Working knowledge of banking business acquired through working in a banking institution
- Participation in facility structure meetings, due diligence exercises and management of non-performing loan portfolio.
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Principle Accountabilities
LEGAL FUNCTIONS
- Supporting business units during contracting by preparing and/reviewing contracts, negotiating the terms with the Vendors, identifying the legal risks and incorporating suitable provisions to mitigate legal risk.
- Proposing new and innovative ideas that ensure that contract management and the quality of the contracts entered into by the Company and its subsidiaries are of the highest standards.
- Preparation and adherence to a contract drafting and review checklist and a contract management system – where practical, ensuring creation and ensuring adherence to approved standard templates for contracts and customer documentation.
- Assisting the Head of Legal in the preparation of legal opinions as may be requested by management, business units and/or the Board of directors of the Company.
- Providing concise, responsive and practical legal opinions and legal solutions of the queries raised by the business and support units for both self and direct reports.
- Timely review and dissemination of information and market/practice trends useful in management of legal Risk to different business units
- Monitoring and following up on Kenyan legislation as well as advising the Bank on the impact of existing and newly enacted legislation on the Bank’s overall activities, and providing guidance to management and the Bank on the law, legal matters, rules and regulations affecting the Bank, its projects and its operations and ensuring legal compliance thereof
- Advise the Bank on its rights and remedies under any legal documentation, including conducting due diligence on any proposed projects and obtaining appropriate signoffs before commencement of the project.
- From time to time conduct review of financing proposals and suggest best possible legal structure and documentation for deal transactions
- Maintaining & constantly updating a record of the Company’s contracts, leases, trademarks, professional indemnities and status thereof
- Liaising with external advocates to receive legal opinions as sought by the Board, filing of various resolutions at the Companies Registry, Corporate Restructuring among others
- Probate Administration: oversee administration of probate accounts and support of management of banking succession matters.
ADMINISTRATIVE RESPONSIBILITIES
- Handling & exchanging daily correspondence with Branches & other Departments of the Company
- Maintaining & constantly updating a record of the Company’s contracts, leases, trademarks, professional indemnities and status thereof
STAFF FUNCTIONS
- Ensure fair and equitable distribution of work and duties.
- Supervise all staff and ensure discipline is maintained.
- Attend to staff complaints, personal grievances and counsel them when necessary.
CUSTOMER CARE
- Listen to problems and offer timely and workable solutions.
- Treating external staff and internal staff courteously and making every effort to be of assistance.
- Counseling staff on legal matters.
TRAINING
- Training staff on new regulatory developments and other matters of a legal nature in liaison or collaboration with external counsel.
- Follow up on performance of the trained Staff at the respective work stations
- On Site Training.
OTHER DUTIES
- Represent the department in certain meetings when called upon and as delegated from time to time.
- Represent the Company whenever called upon to do so.
- Any other duties as assigned from time to time.
- Conducting workshops for specific needs of business units
- Representing the department in Company projects that require legal input
- Sitting in & actively participating in nominated committee & task forces
Key Competencies and Skills
Personal Attributes
- Integrity
- Agility and Attention to detail
- Good Judgment
- Commitment
- Dedication
- Honesty
- Teamwork
Skills required to undertake the role
- Analytical Skills
- Communication Skills- Oral and Written. High English command (Writing, speaking, Listening)
- Conceptual Skills
- Decision Making Skills
- Leadership Skills
- Excellent Interpersonal Skills
- Influencing and Negotiation Skills
- Computer Literacy Skills
Minimum Qualifications, Knowledge and Experience
Education:
- Bachelor’s degree in Law from a recognized institution; and
- Diploma of Law from the Kenya School of Law.
- Commissioner for Oaths and Notary Public;
- Advocate of the High Court of Kenya.
- Registered CPS with the Institute of Certified Secretaries of Kenya is an added advantage
Experience:
- An Advocate of minimum 5 years’ experience, practising in a busy commercial law firm or in-house legal department of a financial company
- Working knowledge of the legal environment for Banking and general business/commerce in Kenya
- Working knowledge of the lending practice for financial institutions, particularly lending to the different market segments – corporate, SMEs and retail banking
- Working knowledge of business management and banking acquired through practical experience in a work environment, seminars and courses on business and banking related subjects
- Participant in Continuous Education programs under both the Law Society of Kenya and ICPSK;
- Working knowledge of banking business acquired through working in a banking institution
- Participation in facility structure meetings, due diligence exercises and management of non-performing loan portfolio.
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PRINCIPAL ACCOUNTABILITIES
- Trade Finance deal origination, structuring, placement and portfolio management.
- Growth and development of trade finance business in the assigned sectors.
- Ensure adherence to the terms and conditions and actively monitoring the trade finance transactions.
- Building and maintaining strong trade customer relationships through excellent customer service in order to achieve customer loyalty and maximize share of wallet.
- Development and Support for Supply Chain Financing (SCF) within current clients’ ecosystems and sourcing of new clients for the SCF.
- Sales and market intelligence, directly and in partnership with Corporate Relationship Managers and Retail SME Business Teams.
- Providing expert advice and guidance to our SME and Commercial Banking Clients and Relationship Teams on trade finance products and transactions.
- Providing technical support to Trade Services (Operations) Team.
- Promote Trade finance product and process innovation.
- Trade Finance product training business teams through branch visits, participation in workshops and joint customer calls, among other avenues.
- Creation and development of business opportunities through participation in trade forums/conferences and other channels.
- Any other duties that may be assigned from time to time by or through my line manager
Key Competencies and Skills
Technical competencies:
- Proficient in Microsoft Office applications
- Proficiency in International Trade Finance and Supply Chain Finance Practices.
- Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.
General competencies:
- Analytical mind and the ability to solve problems.
- Flexibility and good time management skills.
- Team Work and Interpersonal skills.
- Integrity and Professionalism, Communication Skills
- Demonstrated good planning and organization skills.
- Report writing and presentation skills.
Minimum Qualifications, Knowledge and Experience
Education:
- A University degree preferably in a Business-related discipline.
- Possession of a postgraduate degree or professional qualification in a related field is desirable but not essential.
Experience:
- At least five (5) years’ experience in banking, with proven experience of at least two (2) years in a similar position or at least 3 years banking experience and sales/marketing background, where he/she managed a portfolio of SME or Commercial/Corporate Banking clients.
- Experience in managing relationships that have significant Trade Finance exposure.
- Experience in development and marketing of Trade Finance products.
go to method of application »
PRINCIPAL ACCOUNTABILITIES
- Trade Finance deal origination, structuring, placement and portfolio management.
- Growth and development of trade finance business in the assigned sectors.
- Ensure adherence to the terms and conditions and actively monitoring the trade finance transactions.
- Building and maintaining strong trade customer relationships through excellent customer service in order to achieve customer loyalty and maximize share of wallet.
- Development and Support for Supply Chain Financing (SCF) within current clients’ ecosystems and sourcing of new clients for the SCF.
- Sales and market intelligence, directly and in partnership with Corporate Relationship Managers and Retail SME Business Teams.
- Providing expert advice and guidance to our SME and Commercial Banking Clients and Relationship Teams on trade finance products and transactions.
- Providing technical support to Trade Services (Operations) Team.
- Promote Trade finance product and process innovation.
- Trade Finance product training business teams through branch visits, participation in workshops and joint customer calls, among other avenues.
- Creation and development of business opportunities through participation in trade forums/conferences and other channels.
- Any other duties that may be assigned from time to time by or through my line manager
Key Competencies and Skills
Technical competencies:
- Proficient in Microsoft Office applications
- Proficiency in International Trade Finance and Supply Chain Finance Practices.
- Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.
General competencies:
- Analytical mind and the ability to solve problems.
- Flexibility and good time management skills.
- Team Work and Interpersonal skills.
- Integrity and Professionalism, Communication Skills
- Ability to work independently under strict deadlines.
- Demonstrated good planning and organization skills.
- Report writing and presentation skills.
Minimum Qualifications, Knowledge and Experience
Education:
- A University degree preferably in a Business-related discipline.
- Possession of a postgraduate degree or professional qualification in a related field is desirable but not essential.
Experience:
- At least five (5) years’ experience in banking, with proven experience of at least two (2) years in a similar position or at least 3 years banking experience and sales/marketing background, where he/she managed a portfolio of SME or Commercial/Corporate Banking clients.
- Experience in managing relationships that have significant Trade Finance exposure.
- Experience in development and marketing of Trade Finance products.
Method of Application
Use the link(s) below to apply on company website.
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