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I&M Bank is a wholly owned subsidiary of I&M Holdings Limited, a publicly quoted company at the Nairobi Securities Exchange (NSE). The bank possesses a rich heritage in banking.
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Roles & Responsibilities
JOB PURPOSE:
- To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions.
PRIMARY RESPONSIBILITIES:
- Reviewing, analyzing, and assessing credit risk on credit proposals for both new and existing borrowers and making recommendations to the approving authorities.
- Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
- Ensuring applications meet turnaround time benchmarks.
- Coordinate application movement process between branches and approving authorities.
- Enforcing compliance with the bank's credit policies in daily operations.
- Identifying and mitigating risks in the underwriting process and escalation these to team leader
- Participate in Training frontline staff on the loan applications process
- Guiding/advising branch staff, Relationship staff and DSEs on credit appraisal requirements for the credit products
- Other duties as assigned from time to time
Academic Qualifications
- Bachelor’s degree in business or a related field from a recognized Institution.
- Professional Banking or Accountancy qualifications will be an added advantage
Experience and Core Competencies
- At least 5 years’ experience, 1 of which should be in Retail Credit
- Knowledge of Retail Banking products
- Excellent communication and interpersonal skills
- Advanced financial risk analysis skills
- Credit risk management skills
- Excellent problem solving and decision-making skills
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Roles & Responsibilities
PURPOSE:
- To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions.
PRIMARY RESPONSIBILITIES:
- Reviewing, analyzing, and vetting credit proposals and making recommendations to the approving authorities
- Ensure requisite documentation and checks are done prior to processing of the applications
- Ensure all applications are processed within benchmarked turnaround times
- Approvals within delegated authority
- Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
- Identifying areas of weakness and risks in credit process and escalation these to team leader
- Any other duties assigned from time to time
QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:
Academic Qualifications
- Bachelor’s degree in Business or a related field from a recognized Institution.
- Professional Banking or Accountancy qualifications will be an added advantage
Experience and Core Competencies
- At least 5 years 2 of which should be in Retail Credit
- Excellent knowledge of all Retail Banking products
- Excellent communication and interpersonal skills
- Advanced financial risk analysis skills
- Credit risk management skills
- Excellent problem solving and decision-making skills
go to method of application »
Job Description
- The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
- They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.
Roles & Responsibilities
Key Responsibilities
- Prospect for new business from new and existing clients.
- Prepare call reports with recommendations and submit them for approval.
- Drive branch business performance by achieving growth in performance parameters.
- Monitor branch sales performance and portfolio growth to meet targets.
- Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
- Understand local business drivers impacting branch performance.
- Submit weekly activity reports including business acquired and customer issues.
- Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
- Manage collateral registration process and ensure timely securities perfection.
- Oversee excess drawings and loan arrears to maintain asset quality.
- Ensure branch service excellence through monitoring and resolution planning.
- Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.
Job Dimensions:
Financial Responsibility:
- Develop and Manage the Branch Budget
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 Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
Competencies:
- Strong leadership skills
- Executive disposition
- Demonstrate high levels of integrity.
- Excellent communication and interpersonal skills
go to method of application »
Job Description
- The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
- They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.
Roles & Responsibilities
Key Responsibilities
- Prospect for new business from new and existing clients.
- Prepare call reports with recommendations and submit them for approval.
- Drive branch business performance by achieving growth in performance parameters.
- Monitor branch sales performance and portfolio growth to meet targets.
- Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
- Understand local business drivers impacting branch performance.
- Submit weekly activity reports including business acquired and customer issues.
- Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
- Manage collateral registration process and ensure timely securities perfection.
- Oversee excess drawings and loan arrears to maintain asset quality.
- Ensure branch service excellence through monitoring and resolution planning.
- Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.
Job Dimensions:
Financial Responsibility:
- Develop and Manage the Branch Budget
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 Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
Competencies:
- Strong leadership skills
- Executive disposition
- Demonstrate high levels of integrity.
- Excellent communication and interpersonal skills
go to method of application »
Job Description
- The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
- They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.
Roles & Responsibilities
Key Responsibilities
- Prospect for new business from new and existing clients.
- Prepare call reports with recommendations and submit them for approval.
- Drive branch business performance by achieving growth in performance parameters.
- Monitor branch sales performance and portfolio growth to meet targets.
- Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
- Understand local business drivers impacting branch performance.
- Submit weekly activity reports including business acquired and customer issues.
- Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
- Manage collateral registration process and ensure timely securities perfection.
- Oversee excess drawings and loan arrears to maintain asset quality.
- Ensure branch service excellence through monitoring and resolution planning.
- Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.
Job Dimensions:
Financial Responsibility:
- Develop and Manage the Branch Budget
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 Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
Competencies:
- Strong leadership skills
- Executive disposition
- Demonstrate high levels of integrity.
- Excellent communication and interpersonal skills
go to method of application »
Job Description
- The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
- They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.
Roles & Responsibilities
Key Responsibilities
- Prospect for new business from new and existing clients.
- Prepare call reports with recommendations and submit them for approval.
- Drive branch business performance by achieving growth in performance parameters.
- Monitor branch sales performance and portfolio growth to meet targets.
- Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
- Understand local business drivers impacting branch performance.
- Submit weekly activity reports including business acquired and customer issues.
- Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
- Manage collateral registration process and ensure timely securities perfection.
- Oversee excess drawings and loan arrears to maintain asset quality.
- Ensure branch service excellence through monitoring and resolution planning.
- Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.
Job Dimensions:
Financial Responsibility:
- Develop and Manage the Branch Budget
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 Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
Competencies:
- Strong leadership skills
- Executive disposition
- Demonstrate high levels of integrity.
- Excellent communication and interpersonal skills
go to method of application »
Job Description
- The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
- They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.
Roles & Responsibilities
Key Responsibilities
- Prospect for new business from new and existing clients.
- Prepare call reports with recommendations and submit them for approval.
- Drive branch business performance by achieving growth in performance parameters.
- Monitor branch sales performance and portfolio growth to meet targets.
- Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
- Understand local business drivers impacting branch performance.
- Submit weekly activity reports including business acquired and customer issues.
- Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
- Manage collateral registration process and ensure timely securities perfection.
- Oversee excess drawings and loan arrears to maintain asset quality.
- Ensure branch service excellence through monitoring and resolution planning.
- Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.
Job Dimensions:
Financial Responsibility:
- Develop and Manage the Branch Budget
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 Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
Competencies:
- Strong leadership skills
- Executive disposition
- Demonstrate high levels of integrity.
- Excellent communication and interpersonal skills
go to method of application »
Job Description
- The job holder will be responsible for driving branch performance against key performance standards as communicated and agreed with the head of business segment in areas such as; Balance sheet growth (funded and non-funded lines) sales growth & income contribution, cost performance, credit management, employee satisfaction, customer experience & Operational risk & control management.
- They are also responsible for providing the right leadership to branch staff and inculcate a high-performance culture at branch level.
Roles & Responsibilities
Key Responsibilities
- Prospect for new business from new and existing clients.
- Prepare call reports with recommendations and submit them for approval.
- Drive branch business performance by achieving growth in performance parameters.
- Monitor branch sales performance and portfolio growth to meet targets.
- Identify business improvement opportunities and suggest service enhancements, product improvements, and process changes.
- Understand local business drivers impacting branch performance.
- Submit weekly activity reports including business acquired and customer issues.
- Analyze financial statements, assess credit requests, and present findings and recommendations to approvers.
- Manage collateral registration process and ensure timely securities perfection.
- Oversee excess drawings and loan arrears to maintain asset quality.
- Ensure branch service excellence through monitoring and resolution planning.
- Build a motivated branch team, ensure compliance, and monitor operational performance while maintaining high service standards.
Job Dimensions:
Financial Responsibility:
- Develop and Manage the Branch Budget
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 Ten (10) years’ relevant experience with over Three (3) years in management in a similar organization.
Competencies:
- Strong leadership skills
- Executive disposition
- Demonstrate high levels of integrity.
- Excellent communication and interpersonal skills
Method of Application
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