Vacancies at NCBA Group

Job Purpose Statement

Direct, control and co-ordinate all banking, lending, deposit taking and operations associated with the assigned portfolio of accounts with the intention of monitoring acceptable credit risk and maximizing the bank’s return from each client. Identify, cultivate and develop business relationships with clientele from the bank’s segmented market

Key Accountabilities (Duties and Responsibilities)

Financial 60%

• Responsible for the growth of the Corporate banking business portfolio to ensure set targets for portfolio growth, income and quality are achieved.
• Assess and recommend high quality credit facilities for clients and potential clients and thereafter oversee completion of all related security documentation with a view to maximizing earnings and minimizing bad debts.  The full process to be handled in a professional and efficient manner and in conformity with Credit Policy requirements
• Identify and develop new business proposals efficiently and expeditiously to ensure that potential new business opportunities with existing and new clients are not lost to competitors
• Generate and improve profitability on a portfolio of new customer relations

Customer 20%

• Collect and analyse vital data on client’s i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings etc. to acquire in-depth knowledge which will enable you to act as adviser to management on all aspects of assigned accounts relationships
• Initiate and monitor Customer/Bank contact at all levels for assigned clients to ensure highest standards of service are maintained.
• Develop an intimate understanding of the clients industry/Business, analyse their modus operandi, management practices, judgment of various influential decision makers and market conditions affecting their long term viability, prepare customer account plans.

Internal Business Processes 10%

• Adhere to Bank risk management and operational policies & Standards in the unit
• Compliance with local regulatory & group policies on KYC &AML

Learning and growth 10%

• Attend all trainings arranged by the Bank
• Discuss career path/growth with line manager at least quarterly 

Job Specifications

Academic Qualifications:

• A Bachelor’s Degree from a recognised university
• A Master Degree in Business Administration (MBA) is an added advantage

Experience:

• At least 5 years and above working experience within the credit or front sales environment

Professional Training:

• Professional qualifications in ACCA, CPA, CFA etc. are an added advantage
• Strong general banking expertise
• Prior experience within the Corporate Banking environment is an added advantage

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Job Purpose Statement

Direct, control and co-ordinate all banking, lending, deposit taking and operations associated with the assigned portfolio of accounts with the intention of growing the bank’s liabilities, monitoring acceptable credit and maximizing the bank’s return from each client.Identify, cultivate and develop business relationships with clientele from the bank’s segmented market.

Key Accountabilities (Duties and Responsibilities)

Financial 60%

• Responsible for the growth of the bank’s deposits and risk book to ensure set targets for portfolio growth, and income are achieved.
• Recruit, grow and nurture Institutional Banking customer deposit base and business volumes as per agreed targets.
• Generate and improve profitability on a portfolio of new customer relations.
• Cross sell bank products and services.
• Ensure applied credit interest rates are managed within guidelines and limits set by the bank.
• Ensure that the bank’s deposit base is diversified in line with ALCO guidelines and the Bank’s strategic focus

Customer 20%

• Initiate and monitor Customer/Bank contact at all levels for assigned clients to ensure highest standards of service are maintained.
• Prepare and submit credit appraisals for Institutional Banking Customers that might require financing in conformity within credit guidelines and requirements
• Ascertain that all relevant documentation required for Institutional Banking customers is obtained.
• Support in the development/deepening of existing business relationships and increase profitability/customer wallet size
• Ensure 24-hour maximum turnaround time in resolving customer queries and issues.
• Ensure all bank interest, charges/waivers and other set IB parameters are duly implemented in the system.
• Support client confidence through solid delivery of exceptional service delivery.
• Ensure no relationship lapses on the portfolio.
• Continuously seek to enhance customer experience through bench marking with other key players in the market.
• Develop an intimate understanding of the clients industry/Business, analyse their modus operandi, management practices, judgment of various influential decision makers and market conditions affecting their long term viability, prepare customer account plans.
• Awareness and intimate understanding of the activities of the traditional competitors and the impact on Institutional Banking relationships.

Internal Business Processes 10%

• Ensure compliance to all internal Regulatory, and statutory compliance expectations.
• Ensure KYC process is adhered to for all new relationships
• Prepare and maintain appropriate reports on client portfolio and business performance reports as per business standards.
• Establish and monitor a Risk Management framework in line with the bank’s risk framework) for day to day activities carried out in the portfolio to ensure key risks are identified and managed.

Learning and growth 10%

• Ensure to complete e-learning courses set by the bank.
• Attend all bank trainings.
• Coaching and mentoring sessions with line manager every quarter.

Job Specifications

Academic qualifications:

• University Degree in any business related degree
• A Master Degree in Business Administration (MBA) is an added advantage

Professional Training:

Professional qualifications in ACCA, CPA, CFA etc. are an added advantage

Experience:

• At least 5 years and above working experience in commercial banking environment 3 of which must have been in Customer Relationship Management / Business Development.
• Experience in sales and marketing of financial products
• Strong banking knowledge
• Strong background in Relationship Management.
• Experience within the Faith based Organisations, NGO space, Embassies, Multinationals, Educational and Health as well as public sector.

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Job Purpose Statement

To aggressively sell and market Diaspora banking products to existing and potential customers, whilst also providing prompt personalized and efficient customer service to the Banks Diaspora customers to support customer acquisition and retention initiatives.

Key Accountabilities (Duties and Responsibilities)

Financial - 50%

• Achieve the set monthly and annual sales targets for all the consumer Banking products for this segment.
• Prospect, anticipate and close all sales leads within the shortest time possible in an efficient way.
• Develop a clear aggressive sales pipeline for both existing and potential customers.
• Prospecting and recruiting new customers for the various Consumer Banking products, understanding their needs and requirements.

Customer Service - 20%

• Identifying customer needs not met by existing products and the implementation of new products and services.
• Utilize the customer relationship management system aimed at customer acquisition, retention and maximizing on every relationship.
• Perform customer onboarding activities and touch activities as per CRM workflows.
• Manage all escalations related to diaspora support.
• Ensure customers are well supported on e-channels uptake to promote utilization.
• Ensure first contact resolution for all queries directed to you

Internal business processes - 20%

• Attend to daily refers and excesses requests
• Ensure compliance with operations risk requirements e.g. KYC, AML, Health & safety standards, security of Premises.
• Ensure good health of assigned portfolio by actively managing encroachments, Accountability reports and write offs.
• Close gaps/lapses identified; take corrective and preventative actions identified by audit, risk and compliance reviews; investigations or other assessment mechanisms within the agreed time frame.
• Prepare and submit reports to the relevant stakeholders within agreed format and timelines (daily, weekly, monthly, quarterly) To market and sell consumer banking products to existing and potential Diaspora customers. Provide personalized, prompt and efficient customer services to these customers whilst managing and controlling the operations of their accounts. Customer acquisition, satisfaction, growth and retention are critical to succeed in this role, regular and well-planned engagement activities are key drivers for retention and satisfaction. Job Purpose Statement.
• Use of digital workflows and processes to achieve efficient and impactful engagement and accurate delivery of service.
• Use data, information and insights to drive decision making.
• Proactive management of NPL for assigned portfolio. • Achieving a ‘Good’ audit rating for the Diaspora Banking Proposition ensuring prompt thorough closure of all audit exceptions sited. 
• 100% adherence to policies, procedures and statutory guidelines. Minimize exposure to bank wide risks; enforce zero tolerance to non-compliance with KYC and AML regulations.
• Utilize the MIS system for continuous tracking of own performance, monitoring of customer satisfaction and provision of management / statutory reports as applicable.
• Present reports that facilitate informed and sound decision-making. Trends, insights and concerns with recommendations clearly elaborated.

Learning and growth - 10%

• Ensure personal growth by continuous learning/training for self through E-learning, internal & external training activities.
• Ensure compliance with the leave policy on block leave and minimum carry-over of leave days.
• Ensure to abide by the NCBA Bank Values at all times.

Job Specifications

Academic qualifications:

• Bachelor’s degree in a business related field
• Proficiency in computer use including MS Office tools and banking systems

Desired work experience:

At least 1 year work experience in Banking especially in Cash/Service Operations. Role-holder must have exposure in:

• Exposure to bank operations, service or sales
• 3 months' working experience in a Banking environment, with sound exposure to Branch Operations and customer service.
• Good understanding of the bank’s systems(T24,Docuware & Cheque Point)
• Good understanding of the bank's processes and procedures.
• Good Bank product knowledge
• Computer literacy