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  • Posted: Jul 4, 2024
    Deadline: Jul 18, 2024
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    Equity Bank Limited (The "Bank”) is incorporated, registered under the Kenyan Companies Act Cap 486 and domiciled in Kenya. The address of the Bank’s registered office is 9th Floor, Equity Centre, P.O. Box 75104 - 00200 Nairobi. The Bank is licensed under the Kenya Banking Act (Chapter 488), and continues to offer retail banking, microfinance a...
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    Regional Relationship Manager – SME (Coast Region)

    Job Purpose:

    To provide leadership in business banking segment and development in line with the region’s overall strategy. The role responsible for meeting business developments strategic targets. and responsible in establishing and maintaining key relationships with stake holders in the achievement of the Bank’s strategic goals.

    Active member of the Banks leadership, contributing to strategic, long, medium- and short-term plans aimed at achieving the bank and departmental objectives. Communicate and articulate the business strategy of the Bank to all stakeholders and keep staff engaged and focused on the business developments goals.

    Key Accountabilities:  

    Business Development

    • Participate in developing the annual and quarterly financial plans and budgets for the Region.
    • Management of borrowing and non-borrowing customers in the region to enhance customer loyalty, mitigate against loss and enhance increased business.
    • Regularly review strategic initiatives of the region/segments to take appropriate action.
    • Direct the overall effort of the segments in growing business in optimum proportions to achieve set targets.
    • Develop and deepen relationships with existing and potential customers. Identify and disseminate market opportunities and information to guide business development efforts and product development.
    • Spearhead/ conduct regular business visits to Bank clients, prospects and branch/affiliates.
    • Maintain a sustainable, profitable and high-quality balance sheet.
    • Cost management –enforce cost optimization of the resources.
    • Continuously review customer value propositions for various customer segments

    Market & Customer Service

    • Collaborate and coordinate the development and the implementation of the sales initiatives with other regional business stakeholders.
    • Continuously conduct and advise market intelligence to identify new markets, customer trends, regional government directives and changes in the policy.
    • Act as the Banks's brand ambassador.
    • Participate in development & execution of strategies that build the Equity brand and endear it to its chosen markets.
    • Coordinate business banking marketing initiatives
    • Originate, build and sustain strategic business partnerships.
    • Position Equity Bank Kenya as a preferred Bank.
    • Ensure full adherence to the Bank’s customer service chatter.
    • Increase market share in line with strategic ambitions and in a profitable, ethical and sustainable manner.

    Audit Risk & Compliance

    • Ensuring the quality of the loan book in the various segments within the region is within expected standards.
    • Participates in Regional Credit Committee as per policy
    • Ensure adherence of policies and procedures from regulatory authorities, Equity bank and other stakeholders.
    • Put in place effective Business Continuity plan for various segment.
    • Ensure audit and risk rating for the Region improves and is within set thresholds as per the key performance indicators communicated sometimes.
    • Communicate and articulate the Bank’s risk and control environment to the unit staff and ensure good appreciation of the same

    People Management

    • Harness existing and create new competencies in order to achieve competitive advantage.
    • Maintain the appropriate number and caliber human resource to deliver exceptional service, achieve targets and maximize the business' efficiency and effectiveness.
    • Manage succession at segments levels and strive to have competent successors for every key position in the branch with the aim of efficient business continuity and cost management.
    • Mentor and coach staff to build their capacity to perform the roles assigned to them.
    • Provide career guidance and avail learning opportunities and assignments to enhance engagement and career progression.
    • Maintain high morale and motivated staff in the region.
    • Set performance expectations and conduct performance management evaluations promptly to ensure superior performance levels are maintained.
    • Hold weekly performance review discussions with Business banking officers in the region.
    • Regional Sector Staff Growth and development, Talent identification and recommendation for alignment to available opportunities
    • Identifying staff gaps and advise the Regional RM Business on deployment of staff to branches.
    • Adhere to HR policies in the management of employees.

    Performance & Reporting

    • Optimize the use of the Bank’s Management Information System for staff performance management.
    • Ensure optimum segmentation of the Bank’s client database and targeted marketing on the various business segments.
    • Submission of relevant and timely reports to the various key stakeholders to aid in decision making.

    Any other duties as may be assigned by the line manager

    Qualifications and Experience 

    • Bachelor’s degree in business administration, finance, or a related field.At least 3 years’ work experience as a Business Client Advisor or similar role.Key skills and competencies 
    • Knowledge of organizational effectiveness and operations management.
    • Experience in budgeting and forecasting.
    • Leadership and management skills.
    • Ability to develop, implement, and review policies and procedures.
    • Ability to oversee budgeting, reporting, planning, and auditing.
    • Understanding of necessary legal and regulatory documents.
    • Ability to address problems and opportunities for the company.
    • Excellent communication skills.
    • Outstanding organizational skills

    Qualifications

    Qualifications and Experience 

    • Bachelor’s degree in business administration, finance, or a related field.
    • At least 3 years’ work experience as a Business Client Advisor or similar role.

    Key skills and competencies 

    •  Knowledge of organizational effectiveness and operations management.
    • Experience in budgeting and forecasting.
    • Leadership and management skills.
    • Ability to develop, implement, and review policies and procedures.
    • Ability to oversee budgeting, reporting, planning, and auditing.
    • Understanding of necessary legal and regulatory documents.
    • Ability to address problems and opportunities for the company.
    • Excellent communication skills.
    • Outstanding organizational skills

    go to method of application »

    General Manager, Special Assets

    JOB PURPOSE:

    The General Manager, Special Assets, will play a crucial role in managing the Group's problem accounts. This individual will lead strategy development, oversee the portfolio, present to the Credit Committee and Board Credit Committee, and forecast potential provisions to ensure they stay within budget. They will also manage high-value complex recoveries and distressed assets, aiming to mitigate further deterioration. 

    Reports to the Country Credit Director and Group Head, Special Assets.

    Job Responsibilities/ Accountabilities:

    • The General Manager, Special Assets will play a key role in the success of the Group’s management of problem accounts.
    • Ensure that the high-risk portfolio is well managed to mitigate against potential provisions and achieve write backs where provisions have been booked by the Bank.
    • Responsible for leading in strategy setting, oversight over the portfolio, presentations to Credit Committee and Board Credit Committee, forecasting potential provisions and management of provisions to be within budget.
    • Responsibility of negotiating and recommending settlement proposals of all substandard, loss and doubtful loans, including recommending write offs to the appropriate authority.
    • Manage high value complex recoveries and distressed assets with a view to mitigating further deterioration.
    • Recommend the appropriate structure of facilities to preserve the bank's position and maximize the prospects of recovery.
    • Oversight over recoveries of the written off book.
    • Review contracts with external lawyers and participate in negotiations to finalize and sign in accordance with sanction terms and to follow up for oversight of implementation of Legal Strategy in cases where legal action has been recommended or is being already undertaken.
    • Ensure proper implementation and follow up on the operational aspects of the account management with timely and proper internal administration and record keeping. Monitor the recoveries of the assigned portfolio.
    • Participate in the determination of the provisioning requirements as per CBK guidelines.
    • Lead in the preparation of all MIS reports, recovery budgets, quarterly provisions reviews, Independent Business
    • Reviews (IBR), portfolio stress testing, and other relevant exercises to aid the management of the portfolio

    Qualifications

    Key Critical Competencies:

    • Good credit risk skills
    • Good relationship management skills
    • Strong analytical and numerical skills
    • Strong communication and report writing skills
    • Good knowledge of Microsoft Excel and other spreadsheet/database applications
    • Strong planning, coordination, and time management skills
    • Proficiency in use of internal IT systems.
    • A minimum of five years of relevant management special assets in the corporate segment is required
    • Knowledge and understanding of Cash flow lending required.
    • Ability to manage deals simultaneously.
    • Clear and concise communication skills.
    • Excellent interpersonal skills
    • Ability to coach, mentor, train, and transfer skills to others.
    • Experience in engaging senior executives in facilitating decision-making and reporting.
    • Strong understanding of overall banking operations, systems, and processes.
    • Strong negotiation skills.
    • Willingness to travel.
    • They must be well versed on matters pertaining to turning around accounts, recovery strategies, processes where customers have defaulted and a good understanding of legal matters pertaining to the distressed portfolio.

    Academic Qualifications and Competencies: 

    • A university degree in a Business-related field. A Masters’ Degree will be an added advantage. 
    • A minimum of seven years of banking experience in turning around accounts, recoveries and portfolio management experience.
    • Loan approval authority experience.
    • Any professional qualifications related to credit, business recovery and turning around accounts.
    • Experience in working in banking environment will be an added advantage

    Method of Application

    Use the link(s) below to apply on company website.

     

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