Latest Recruitment at I&M Bank

Job Purpose:

To achieve business growth in Business, Premium and Personal Banking by providing support to BB/PrB/PB Relationship Managers and Branch Managers; in the preparation of quality credit proposals for both existing and New to Bank business with an aim of improving on quality and turnaround time for approval of credit applications.

Academic:

Bachelor’s degree in business studies; Management; Commerce (Finance, Accounting Option) or equivalent

Professional:

Professional Qualification in financial analysis (ACCA, CPA or CFA), Banking ( AKIB) will be an added advantage.

Desired work experience:

• At least 2 years banking experience in a lending/credit risk appraisal environment; or equivalent to provide candidate with:
• Good understanding of Credit risk policies and Product Policies and CBK prudential guidelines.
• Understanding of the local competitor market
• Knowledge in legislation relating to perfection of securities and requirements by regulating bodies.

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Job Purpose:

The role holder will be responsible for overall management of the back-office operations to achieve and maintain good customer relations, operational efficiency and compliance with operational guidelines and procedures.

Key Responsibilities:

• Thoroughly verify diverse transactions like EFTs, salary transfers, uploads, RTGS & TTs, etc.
• Serve as second vault custodian, ensuring secure handling of valuables.
• Maintain optimal cash levels, manage ATM operations, and reconcile cash.
• Safely store and reconcile serialized stationery for accurate record-keeping.
• Oversee branch opening, closing, and general management.
• Reconcile branch suspense accounts to ensure accuracy.
• Ensure timely processing of TTs, RTGS, and outward clearing items.
• Manage leave, appraisals, KPIs, and coaching for back-office team.
• Respond to customer queries related to back-office matters.

Work Experience Required:

•  At least two (2) years’ relevant experience in a similar role in a similar sized organization

Competencies:

• Planning & Organizational skills
• Analytical skills and attention to detail
• Strong oral and written communication skills
• Interpersonal skills to manage stakeholders at all levels
• Ethics and integrity
• Excellent judgment and analytical abilities and impeccable integrity.
• Strong commercial awareness and an ability to connect to business goals

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Job Purpose:

The job holder is responsible for monitoring, collecting, and managing problem account portfolio within all customer segments and return the accounts to performing status, reduce slippage into NPL and/or recover entire outstanding accounts.

Key Responsibilities:

• Demand, and enforce repayment of the assigned problem accounts.
• Collect and writeback to profit and loss from assigned accounts within set targets
• Monitor arrangements for payments from problem account holders.
• Attending public auctions as Credit Bank’s representative.
• Liaise with Legal Department on recovery litigations and where legal interpretations are required.
• Conduct detailed negotiations with customers, obtain commitment to implement appropriate strategies and actions to cure accounts as well as collect overdue payments.
• Analyze and recommend for approval turnaround/cure propositions, strategies and actions demonstrating well thought out judgement.
• Manage customer relationships where turn around strategies have been activated to ensure cure of accounts as well as manage the Banks credit risk exposure.
• Proactively manage relationships with key stakeholders, internal and external including service providers, potential off takers of assets held as collateral, etc.
• Represent the Bank in lenders meetings for syndicated or problem accounts.
• Prepare and submit required reports to the BCC, NPA & CRMC Committees in a timely manner and working on provisions.

Job Specifications

Academic Qualifications

• Bachelor’s Degree in a Social Science or related field

Professional Qualifications / Membership to professional bodies/ Publication

• Relevant professional qualification;
• Member of a relevant professional body

Work Experience Required

• Over Two (2) years’ relevant experience in a similar organisation.

Competencies:

• Strong leadership skills
• Executive disposition
• Demonstrate high levels of integrity.
• Excellent communication and interpersonal skills