Career Opportunities at Caritas Microfinance Bank - 4 Positions

Operations Officer Job Purpose

• The Operations Officer is responsible for supporting the Branch Manager; ensures branch operational activities run smoothly and efficiently; provides leadership, training and limited supervision within the branch; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate personnel for new services.

Operations Officer Job Key responsibilities and accountabilities

• Ensure the bank consistently delivers high quality service to all customers at all times
• Management of the front office services including account opening, cashiering and customer service.
• The job holder must be fully conversant with cashiering services, both front and back office, including cash reconciliation, vault handling and dual custody requirements.
• The holder must also be fully familiar with all KYC requirements and capable of making independent decisions at the customer entry level.
• Ensure compliance; minimize exposure to and the impact of operational risks.
• Ensure proper loan assessment, appraisal, documentation and approval.
• The holder should be able to double up in support activities including deposit mobilization, product sales, field activities and customer acquisition.
• Implementation of established policies, procedures and systems in achieving compliance requirements, efficiency, resource utilization and cost control.
• Proposing the development of new services/products or the improvement in the existing ones in relation with market and results analysis.
• Ensure all reporting tools are available at branch level to correctly monitor all branch activities.

Minimum Qualifications and Experience  for Operations Officer Job

• A minimum of 3 years’ experience 2 of which must be in a deposit taking environment will be required.
• A relevant degree in business, accounting, finance or related fields.
• In addition persons with additional professional qualifications like ACIB, AKIB, CPA or Diploma in Microfinance or Co-operative Management will have an added advantage.

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Job Purpose

• Reporting to the Branch Manager, the successful candidates will be responsible for driving and delivering excellent business performance through aggressive marketing of Microfinance Bank products ensuring optimum productivity, high quality loan book, operation efficiency and outstanding relationship management.

Business Development Job Key responsibilities and accountabilities

• Aggressively market for new liability accounts in line with the given targets.
• Spearhead the credit function of the branch by ensuring growth of high quality loan book as per targets.
• Ensure that all conditions pertaining to disbursements are fulfilled prior to disbursement requests being processed.
• Develop good customer loans/facilities proposals that comply with the banks credit administration standards and policy.
• Review customer demands in the market and recommend products/ services that will enable the Microfinance Bank to compete in the area of operations.
• In liaison with Credit Administration, ensure timely renewal of insurance policies for assets charged as security and timely updates of valuation reports for properties charged as security for loans extended by the bank under personal portfolio.
• Effective monitoring of loan repayments and mitigating risks related to defaults and periodically reviewing the loan portfolio to manage likely problem areas.
• Ensures regulatory compliance and implementation of effective anti-money laundering procedures and controls.
• Manage customer relations under personal portfolio and ensure lasting relations are established with all clients

Minimum Qualifications and Experience for Business Development Job

• Holder of bachelor’s degree in a business related field. Professional banking qualifications will be added advantage.
• Solid analytical skills and experience in credit appraisal, handling and resolving customer requests and queries.
• Have strong communication and team building skills with ability to work with diverse teams.
• Good understanding of prudential guidelines on KYC.
• Must have a minimum of 4 years banking experience 2 of which should be in business development.

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Risk & Compliance Officer Job Purpose

Assist the Internal Audit Manager in executing the bank’s internal audit plan; identifying risks associated with the business and evaluating the controls in place to mitigate those risks.

Risk & Compliance Job Key responsibilities and accountabilities

• The Risk and Compliance officer will be required to carry out the following tasks during audits;
• Participate in opening meetings with the auditee to explain the scope and objectives of the audit engagement and provide an overview of all steps in the audit process.
• Develop a thorough understanding of business processes in scope for assigned audits, identify and document inherent risks and controls within the business processes.
• The implementation of all aspects of the risk function, including implementation of processes, tools and systems to identify, assess, measure, manage, monitor and report risks.
• Assist the process for developing risk policies and procedures, risk limits and approval authorities.
• Manage the process for elevating control risks to more senior levels when appropriate.
• Manage the corporate risk and control assessment reporting process as well as manage and maintain infrastructure elements (e.g. management reporting, including reporting to senior management).
• Prepare high-level user requirements to assist in preparation of Project Initiation Documents.
• Develop a risk based test plan by selecting appropriate audit approach, test procedures and sampling criteria based on professional judgment and departmentally defined internal audit methodology.
• Perform audit tests and prepare working papers in accordance with professional IIA standards and the bank’s internal audit methodology.
• Evaluate the adequacy of process design and the effectiveness of controls in meeting business and control objectives. Identify and document control and process weaknesses and provide evidential support for findings.

Minimum Qualifications and Experience for Risk & Compliance Job

• Bachelor’s degree in Business, Accounting or Finance.
• A certified accountant (CPA, ACCA) with recognized professional designations in audit (CIA or CISA) as an added advantage.
• 2 to 3 years’ experience in risk and compliance management in the financial services industry.
• Solid understanding of risk and control concepts. Ability to apply these concepts to evaluate the adequacy and effectiveness of business processes and controls to mitigate risk to tolerance levels defined by management.
• Comprehensive and current knowledge of legislation applicable to Microfinance institutions including the CBK Prudential Guidelines and the Microfinance Act.
• Good understanding of accounting principles and financial statements as well as well-developed technical skills in Microsoft word and excel.

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ICT Officer Job Purpose

The ICT Support Officer will provide system users with a high level of first line support as well as operational support to Caritas MFB’s core IT operations including system administration, network support, social media and website development.

ICT Officer Job Key responsibilities and accountabilities

• Set up new user accounts in the active directory and Office365
• Management of security for the ICT systems
• Provide first line support for the core banking system & other banking applications
• Train users in the various banking system.
• Install & configure operating system, antivirus system etc. in desktop equipment
• Maintain the ICT asset inventory
• Basic maintenance of the ICT equipment e.g. computers, printers, IP phones
• Data Centre Management
• Ensure back up of the core banking system and other data files
• Management of the central infrastructure
• Maintain and support social media platform
• Support rollout of new applications tests and evaluate new technology

Minimum Qualifications and Experience for ICT Officer Job

• Minimum of Diploma in Information Technology. Degree in Computer Science, Computer Engineering or related course is an added advantage.
• Knowledge of active directory, core banking software are key
• The person should have good interpersonal skills, proper communication skills, analytical & problem solving skills.
• The ability to solve hardware/software faults.
• 2 – 3 years of experience