Jobs at NCBA Group

Job Purpose Statement

• The role holder will manage a portfolio of large corporate customers; serve as their primary point of contact and financial advisor as well as prospect for and acquire new corporate customers to grow the Bank’s revenue and share of wallet for the assigned industry in line with the Bank’s strategy.
• Customer acquisition, satisfaction, growth, retention, cross selling and prevention of business loss are critical to succeed in this role. This role will be responsible for preparation of credit applications, annual reviews and all customer related credit requests for approval.
• Apply experience in corporate relationship management to develop, implement and update account plans for the existing portfolio within the assigned industry target market. Recommend, structure and sell solutions that address the customers’ needs, with the support from the solution/product teams in order to meet assigned goals and targets. Customer engagements and activities to be documented through call reports.
• Proactively engage with internal support teams to ensure customer fulfilment while ensuring strict adherence with all policy requirements including proper documentation, routine portfolio monitoring, controls and exemptions management (compliance with credit, AML/KYC requirements).
• Actively coach Assistant Relationship Managers in aid of their achievement of performance targets.
• Relevant experience in the specific sector will be an added advantage.

Job Specifications
Academic:

•  Bachelor’s degree from a recognized accredited university.
•  Master’s degree in strategic management or business administration, or other similar relevant qualification.

Professional Experience:

• At least 8 years’ experience in Corporate Banking, 3 of which should have been in management capacity in a similar sized organisation.

Desired work experience:

•  Proven track record of consistently achieving a corporate department’s financial growth, with a market reputation of being a trusted advisor on matters pertaining to banking.
•  Significant experience in Corporate Banking. Experience in products, bank operations and customer experience is highly desirable.
•  In-depth knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general Corporate Banking regulations and practices.
•  Experience in Sacco Sector will be an added advantage

Budget/ accountability:

•  Revenue budget of Kes 300Mn p.a
•  Net balance sheet growth of 15% p.a
•  3 new customers p.a in line with the Corporate Customer Value Proposition): Minimum Assets Kes 400m or Liabilities of Kes 500Mn)
•  Industry strategy formulation and implementation

Additional KPIs to be assigned by the Sector Head as per bank’s performance management policy.
 

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Job Purpose Statement

• The role holder will manage a portfolio of large corporate customers; serve as their primary point of contact and financial advisor as well as prospect for and acquire new corporate customers to grow the Bank’s revenue and share of wallet for the assigned industry in line with the Bank’s strategy.
• Customer acquisition, satisfaction, growth, retention, cross selling and prevention of business loss are critical to succeed in this role. This role will be responsible for preparation of credit applications, annual reviews and all customer related credit requests for approval.
• Apply experience in corporate relationship management to develop, implement and update account plans for the existing portfolio within the assigned industry target market. Recommend, structure and sell solutions that address the customers’ needs, with the support from the solution/product teams in order to meet assigned goals and targets. Customer engagements and activities to be documented through call reports.
• Proactively engage with internal support teams to ensure customer fulfilment while ensuring strict adherence with all policy requirements including proper documentation, routine portfolio monitoring, controls and exemptions management (compliance with credit, AML/KYC requirements).
• When assigned, serve in acting capacity in the absence of the Sector Head and actively coach Assistant Relationship Managers in aid of their achievement of performance targets.
• Relevant experience in the specific sector will be an added advantage.

Ideal Job Specifications
Academic:

• Bachelor’s degree from a recognized accredited university.

Professional experience:

• At least 5 years’ experience in Corporate Banking, 3 of which should have been in management capacity in a similar sized organisation.

Desired work experience:

•  Proven track record of consistently achieving a corporate department’s financial growth, with a market reputation of being a trusted advisor on matters pertaining to banking.
•  Significant experience in Corporate Banking. Experience in products, bank operations and customer experience is highly desirable.
•  In-depth knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general Corporate Banking regulations and practices.

Budget/ accountability:

•  Revenue budget of Kes 150Mn p.a
•  Net balance sheet growth of 15% p.a
•  2 new customers p.a, in adherence to the Corporate Customer Value Proposition- Minimum Assets Kes 400m or Liabilities of Kes 500Mn) or turnover of Kes 1.2Bn p.a or market leader with sound governance structures.
•  Industry strategy formulation and implementationNet growth of Kes 500Mn p.a (balance sheet)

Additional KPIs to be assigned by the Sector Head as per bank’s performance management policy.
 

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Job Purpose Statement

• The role holder is required to achieve customer growth and retention management for a specific portfolio through collaborative account plan management with the Relationship Management teams and other stakeholders in the organisation.
• They shall serve as the voice of customer within the Bank, ensuring that all promises made to the customer through the relationship management teams are fulfilled. The role holder shall manage the sector’s operational duties, customer queries and arising complaints to closure by closely coordinating interactions between customers and internal stakeholders. They shall be held responsible for achieving process improvement and change management within the corporate banking department.
• Proactively engage with internal support teams to ensure customer fulfilment while ensuring strict adherence with all policy requirements including proper documentation, routine portfolio monitoring, controls and exemptions management (compliance with credit, AML/KYC requirements).
• The role holder will be required to provide active administrative support to the sector head. They will assist RMs with cheque refers, excess requests and to prepare credit applications for further analysis and action by the RM.
• Relevant experience in the specific sector will be an added advantage.

Ideal Job Specifications
Academic:

• Bachelor’s degree from a recognized accredited university.

Professional:

• At least 3 years’ experience in an assistant management capacity in a similar sized organisation.

Desired work experience:

•  Proven track record of consistently achieving a portfolio’s financial growth.
•  Experience in products, bank operations and customer experience is highly desirable.
•  Knowledge of the local banking industry, banking products, banking services
• and banking regulations. Sound working knowledge and understanding of general Commercial Banking regulations and practices.

Budget/ Accountability:

•  Drive customer fulfilment for the sector.
•  Provide operational support and adhere to operational control guidelines
•  Provide reports and data on KPIs, portfolio health, customer experience surveys etc
•  Spread financials for credit applications and manage cheques/customer payments processing

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Job Purpose Statement

• The Finance Business Partner will drive financial results by partnering with the businesses through periodic performance reviews, help set targets and forecasts. He / She will be responsible for Management Information Systems and business databases that deliver detailed reports and analysis of the performance of business segments, products, branches, relationship management and distribution channels. This position will also drive cost and revenue optimisation and analysis. Responsible for the planning and budgeting process as well as periodic monitoring of performance against set targets

Ideal Job Specifications
Academic Qualifications:

•  University Degree in Finance, Accounting or Business Studies.

Professional Qualifications:

•  Fully qualified Certified Public or Chartered Accountant or similar qualification.
•  Data mining skills using SQL (added advantage)

Desired Work Experience:

•  Minimum 5 years post qualification experience in an accounting or audit environment
•  Excellent interpersonal skills and good verbal and written communication skills.
•  Negotiation and presentation skills.
•  Good numerical skills
•  Good computer skills, especially MS Excel

Complexity/ Judgement

•  Critical analysis and evaluation of management information requirements and evaluating these against impact on standard models, systems and resource constraints
•  Ability to multi-task and make good judgement calls under pressure of the operational & system requirements
•  Superior levels of judgement to assess impact of changes and business activities on systems, identifying trends and opportunities early enough and initiating remedial measures to solve potential problems
•  Integrity and courage to challenge peers and to critically analyse change requests and recommend best course of action
•  Conflict resolution skills and ability to establish good working rapport with all levels of senior management

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Job Purpose Statement

• The holder should be a credit professional responsible for ensuring that the Credit Risk function achieves its objectives of facilitating revenue generation, quality loan, improving the credit risk control environment and delivery of business enablers within Credit Risk

Ideal Job Specifications
Academic:

•  Relevant undergraduate degree
•  Appropriate Masters Level or Post Graduate Qualification

Professional:

•  Relevant professional qualification in Banking, accountancy, credit / risk management

Desired work experience:

•  A minimum of 3-4 years of experience in Credit Risk Management, other relevant areas of practice preferably in the Banking sector out of which 1-2 years should be at credit analysis or credit risk.
• Exposure to credit, market and operational risk dimensions, Basel implementation, IFRS 9 implementation, ICAAP etc. 
• Econometric experience (e.g., competence in understanding key macro drivers of credit risk, customer behaviour and lending strategy) 
• The ability to conduct complex risk analyses and provide senior management with business insights of consumer credit quality and behaviour trends, and portfolio performance. 
• Strong communication skills (written and oral) and the ability to articulate complex issues at an intuitive level to a non-risk audience 
• Ability to think creatively - to challenge the norm and drive through solutions in the face of adversity and challenge.

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Job Purpose Statement

• The holder should be a credit professional responsible for ensuring that the Credit Risk function achieves its objectives of facilitating revenue generation, a quality loan portfolio, improving the credit risk control environment, and delivery of business enablers within Credit Risk. These shall involve:

Credit Risk Assessment

•  Assess/Analyze credit proposals and applications from Branches and the Retail Business Unit approving those within the delegated authority and submit the ones above delegated authority to the appropriate approval authority with support/necessary comments.
•  Ensure that credit proposals and applications submitted comply with the Credit Policy/CBK prudential guidelines, ensuring that breaches are identified, mitigated and approvals obtained at appropriate levels.
•  Evaluate and understand risks associated with individual transactions, products, securities, and borrowers including industries they operate within.
•  Provide a high level of service to the internal customer based on accuracy, responsiveness and turnaround time.
•  Provide periodic reports on loan book performance as requested.

Policy Development & Review and products review

•  Reviewing existing Retail Policies/ Procedures/ Templates/ Models & Product Programs to ensure consistency with agreed credit practices, including the CBK prudential guidelines.
•  Ensure a consistent approach in assessing RETAIL facilities by developing/ reviewing relevant risk assessment templates for use by the Business.

Portfolio Quality and provisions containment

•  Ensure that portfolio quality is maintained at the prescribed level by minimizing the risk of loss/bad debts through prudent lending practices and pro-active management of Early Warning Signs on accounts.
•  Interrogate the portfolio reports monthly on monthly basis ensuring they are within budgeted levels.
•  Obtain appropriate and timely MIS and interpret the same for the approval team
• decision making. This will include periodical reviews with RMs/ROs for purposes of unbanking/ securitizing or at worst classifying the accounts or down-grading where appropriate.

Cross Selling

•  Identify and exploit available opportunities that will translate to Business and revenue growth.
•  Provide leads to the Business to support balance sheet and revenue growth

Ideal Job Specifications
Academic:

•  A Bachelor’s degree in Business Management with a bias in Commerce, Accounting, Economics or Finance.
•  An MBA will be an added advantage.

Professional:

•  Professional accounting qualification i.e. CPA or ACCA
•  Qualifications in Credit Management and Analysis (those pursuing will be considered)

Desired work experience:

•  5 years banking experience with at least 5 years covering Credit Analysis and Credit sanctioning.
•  Knowledge of various Bank departmental functions i.e. Corporate, Asset Finance, Consumer/SME, IB, Business Remedial Support, Operations, Trade Finance, Treasury and Credit Operations (including Securities and Credit Administration).

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Job Purpose Statement

• The purpose of this role is to conduct audit assignments, with a view to assess adequacy of the internal control systems, regulatory requirements; and highlight any exceptions or violations.

Ideal Job Specifications
Academic:

•  A University graduate

Professional:

•  CPA (K)/ ACCA qualifications
•  Working towards CIA qualification

Desired work experience:

•  3 years’ experience of auditing or enterprise risk management in an external audit/ Banking environment.
•  Good working knowledge of the TeamMate audit software and ACL Data Analytics.