Latest Jobs at Standard Bank Group

Job Purpose

• Provide a consistently high quality frontline transaction service to customers encompassing the cashing of cheques and other items, acceptance of deposits and the provision of change.
• Understand the risks associated with the control and handling of cash, and maintain effective controls to manage these risks.
• Proactively cross sell bank products to our customers with focus on transactional business and digital channels in line with the Performance Contract.
• Maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities

Telling

• Attend to cheque encashment and withdrawals in all accepted currencies according to laid-down procedures.
• Attend to change transactions. Accept cheque and/or cash deposits in all accepted currencies, according to laid-down procedures.
• Assist with finalizing cash transactions captured by officers who do not operate tills.
• Ensure that cheques included in deposits are checked in terms of Duty of Care obligations.
• Ensure that all items cashed are within laid-down limits and refer all transactions exceeding limits to the appropriate area for authorization.
• Ensure that items cashed are technically correct and signed, according to laid-down instructions.
• Attend to value transactions, e.g. Financial Transfers etc, according to customized job description.

Control of cash

• Ensure that all laid-down policies and procedures regarding the handling, locking away and security of cash are adhered to.
• Ensure that cash holdings are kept within prescribed limits at all times.
• Balance cash daily and report any differences promptly.

Pro-active selling

• Identify opportunities for migrating customers to more appropriate and cost-effective channels. i.e. Mobile/Internet/Till to bank/Nbol/BNAs whichever is most suitable.
• Identify and close on quality sales as per the Performance Contract.

Compliance

Responsible for the implementation and adoption within the Branch of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of customers including those that require being subjected to Enhanced Due Diligence for on-boarding and continued business.

Preferred Qualification and Experience

• Relevant Degree from a recognized University
• Relevant Diploma from a recognised Institution of Higher Learning
• Minimum of C+ mean grade at KCSE or Division II at O level Minimum of grade C in Mathematics, English or Kiswahili

Professional Qualifications Banking examinations desirable but not essential.

Knowledge/Technical Skills/Expertise

• Sound knowledge of the bank’s laid-down policies and procedures related to telling.
• Sound knowledge of the legal aspects regarding cheques and cash handling.
• Sound knowledge of the applicable device handling.
• Knowledge of teller service standards.
• Knowledge of the Branch power system as it relates to telling.
• Basic knowledge of the functions of other departments within the branch.
• Attendance of the relevant Bank training courses, e.g. product knowledge, sales skills

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Job Purpose

To meet and exceed customers’ expectations in regards to providing them with appropriate and efficient in-branch service, ensuring speed and quality of product/service transactions. Also to identify and act on cross selling opportunities when dealing with customers. To maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities

• Customer service
  
  • Provide exceptional service to existing and walk-in customers based on the relevant products and services available.
  • Demonstrate Self Service Banking and help customers to register for relevant channels.
  • Manage “cost of sales” through the utilisation of multi channel delivery strategies, such as actively managing customer migration onto electronic banking channels.
  • Identify Cross-selling opportunities of products and services as required to provide a solution to the original service request and where necessary pass leads on to relevant areas on time.
  • Listen to, empathise with and pacify irate customers by swiftly resolving their problems/complaints or when this is not possible by referring queries that cannot be resolved to the appropriate area and following up on referrals to ensure satisfactory resolution. Identify sales potential and quality sales opportunities and ensure appropriate follow-through of such leads.
• Legislative compliance
  
  • Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
  • Complete disclosure to the customers in terms of accreditation, service fees, and commission.
  • Ensure proper record keeping.
• Risk management
  
  • Ensure that all the required controls are in place to minimise the risks associated with processes performed in the service consulting area.

Preferred Qualification and Experience

• University Degree from a recognized University.
• 2 – 3 years Banking experience

Knowledge/Technical Skills/Expertise

• Sound knowledge of laid-down policies and procedures relating to customer service.
• Excellent knowledge of Self Service Banking, (ATM’s, Internet, Telephone and Cell Phone Banking)
• Sound knowledge of banking products/services and the procedures underpinning them.
• Knowledge of the Code of Banking Practice.
• Knowledge of the new Delivery System as it relates to enquiries.
• Knowledge of Managing Local Market sales principles.
• Basic knowledge of the functions of the various departments within the branch
• Attendance of relevant SBSA training courses, e.g. products, communication, sales skills..

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Job Purpose

Provide a support service to the personal and business markets with regard to new account processing, account maintenance and investment roll-overs. Understand the risks associated with opening of accounts, dealing with mandates and specimen signatures as well as maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities

• Account opening, maintenance and closing
  
  • Capture and maintain data effectively and accurately.
  • Process and maintain related documents and records.
  • Ensure that routine compliance procedures and controls are followed in order to minimize the risk of loss through the opening of fraudulent and undesirable accounts.
  • Comply with the Code of Banking Practice at all times.
  • Follow detail steps as per Star 2 of 5 Star process.
• Mandates
  
  • Obtain mandates for all accounts, where required.
  • Ensure that mandates are correctly completed and conform to legal requirements.
• Administration
  
  • Ensure the timeous processing and capturing of investment roll-overs.
  • Correct exceptions highlighted on edit and demographic clean up reports promptly.
  • File mandates and signature cards accurately.
  • Resolve account detail queries and problems within laid-down time frames.
• Business development
  
  • Sell the bank’s product reactively and pass on sales leads to the applicable areas.
• Legislative prohibitions.
  
  • In terms of the Financial Advisory and Intermediary Services Act No 37 of 2002, (the Act) no staff member is permitted to provide any advice or intermediary service to a customer, in terms of a financial product, as determined by the Act, unless they have been appointed as a Representative of a licensed Financial Services Provider.
  • In your current position you are not an accredited representative in terms of the Act, and are therefore prohibited from giving any advice or intermediary service to a customer in terms of a financial product.

Preferred Qualification and Experience

• Relevant Degree from recognised University
• 3 – 4 Years branch banking experience, with exposure to frontline.

Knowledge/Technical Skills/Expertise

• A broad understanding of the bank’s procedures and policies and the application of the Group Reference Guide with particular emphasis on the account opening environment, policies and procedures.
• Knowledge of the Code of Banking Practice.
• Understanding of service and Managing Local Market sales initiatives.

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Job Purpose

To provide Enterprise Banking sales and service facility to a portfolio of small business customers requiring uncomplicated and standardised financial product solutions.

Key Responsibilities/Accountabilities

• Profitable Growth in Sales
  
  • Ensure inflow of new and repeat business in line with set targets by Explaining, promoting and selling a range of appropriate product offerings and solutions that meet the financial needs of small and medium business customers.
  • Selling includes acquiring and opening new business accounts (walk-in customers and customers pro-actively approached in the local market area)
  • Cross-selling additional products & services to existing customers (walk-in customers, during pro-active customer visits).
  • Conduct visits (supported by Call Reports) to existing and potential Customers, Branches and other intermediaries to ensure inflow of business, training their Sales staff on our processes, and resolving bottlenecks to business.
  • Managing local market opportunities by Mapping all key business districts ,formal and informal markets , understanding which business associations operate in your local market.
  • Draw up a target list and action plan to capture local market opportunities.
  • Maintaining a leads list for identified opportunities with regular follow up for prompt closure at acceptable conversion rates. Periodic pipeline reports.
  • Liaising with Business Support teams to ensure TAT on processing of all applications and customer request within agreed time lines.
  • Clearly understand sales targets set for self, Enterprising Banking Business unit and the entire Business Banking.
  • Collecting Market information on product, competition, pricing etc and keeping abreast of industry practices, legislation and current regulatory developments regarding the
  • Enterprise market
  • Identifying sales leads and closing on opportunities for Assets; Liabilities; Digital Channels; Trade; Global Markets; Bancassurance etc.
  • Mining existing customer data to identify expansion and/or additional business opportunities.
  • Know, respect and understand your customers.
• Customer Service Quality and Efficiency
  
  • Performing a liaison role between customers and back - office service fulfilment and credit functions.
  • Interacting with clients and conducting needs analyses to assist clients to better understand their financial requirements.
  • Accurately and efficiently processing customer mandates/ documentation requirements for banking facilities.
  • Educating clients regarding the parameters and routine procedures governing standard Enterprise Banking product and service offerings to ensure the correct customer behaviour and product usage.
  • Advice given to customers should benefit both the customer and Stanbic Bank. Wrong and unprofitable customer behaviour should not be encouraged.
• Lending Support
  • Explain credit loan facility options and qualifying criteria to customers.
  • Support customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements, management accounts, psychometric assessment, etc.
  • Notify customers regarding the approval of credit loan facilities.
• Management Support
  • Working with Business sales consultants in the branch and Enterprise direct to achieve desired goals.
  • Compliance with Legislation as per operating guidelines.
  • Providing complete disclosure to customers in terms of accreditation, service fees and commission.
  • Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
  • Ensure proper record keeping in terms of local financial legislation and regulatory requirements.
  • Ensure KYC (Know Your Customer) documentation, regulatory compliance and control is adhered to.
• Key dimensions of the job
  • Customer contribution as per defined segmentation criteria
  • Pro-active sales focusing on new and existing customers.
  • Re-active sales on customer demand while encouraging migration to self-service channels.
• Lending
  • Basic service offering via Branch, Enterprise Direct or self-service channels.
  • Location: Local Market/Cluster/Regional based
  • Report to Segment Manager - Enterprise Banking who is responsible for the Acquisition Banker’s appraisal, Personal Development Plan (PDP) and other Human Capital related issues.
  • Customer complaints should be referred to the Branch Manager. If the Branch Manager is unable to resolve the issue he/she can direct it to the Segment Manager -
  • Enterprise Banking.
  • The Head Service Support is responsible for releasing accounts, signing off mandates, authorising account limits and signatory changes, etc.

Preferred Qualification and Experience

University degree in Commerce is preferable.

Experience

• Business Assistant experience to the Acquisition Banker is ideal.
• Previous experience within the personal/ consumer banking environment as a Customer Consultant/ Personal Banker and/or Enquiries Officer is preferable.
• This experience provides an understanding of how to interact with and sell to personal banking customers, how to open bank accounts, how the front-end system works, as well as how the principles of scored lending are applied in practice.
  And/or
• Previous back - office business credit application processing experience. Particularly Account Suppport Officer/Sales Support Officer, Account Analyst and Manager’s
• Assistant/Business Assistant positions.
• Experience in Credit origination.
• Previous experience running a small business.

Knowledge/Technical Skills/Expertis

• Good numerical skills, business acumen and financial acumen to interpret financial statements, balance sheets and basic financial ratios.
• A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
• Good knowledge of Personal Banking product offerings.
• A basic knowledge/ awareness of financial investment options, foreign exchange, trade, merchant services, vehicle and asset finance and electronic banking options for lead generation purposes.
• A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of securities and balance sheets.
• A good working knowledge of the front-end system and screens to capture and access customer account information.
• A working knowledge of multiple legal entities (companies, partnerships, sole proprietorships etc.) in the Enterprise market and the legislative restrictions & requirements governing these from a financial services perspective.
• A basic knowledge and understanding of the requirements for business registration.
• Knowledge of competitor offerings.
• A working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth.
• Excellent verbal and written communication skills.
• Knowledge of how to use the Group Reference Guide to access/ look up relevant information.

Business Knowledge and Contribution

• Risk Management
• Project Management
• People Management
• Financial Management
• Change Management
• Knowledge Management

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Job Purpose

Support the Manager (Branch) in providing effective customer service by managing routine compliance, physical security of the branch and bank assets, query and problem resolution, routine aspects of new business and account maintenance, efficiency of communication channels, relationship maintenance, levels of authority, cost control (budget) as well as management of the service support team.

Proactively identify and assess the risks faced by the branch and maintain an effective system of controls to reduce the overall exposure. Maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities

• Customer service Ensure that customer problems and queries are resolved within laid-down time frames to the satisfaction of the customer. Ensure reduced numbers of recurring queries of similar nature due to effective root cause analyses and the actioning thereof in terms of standards.
• Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channel. Ensure that opportunities to migrate customers to more appropriate, cost-effective channels are identified and actioned.
• Ensure efficient, customer-orientated switchboard and telephone procedures. Ensure that Irregular Items are actioned daily.
• Legislative compliance Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with prudential guidelines under the CBK act and standard bank KYC compliance and KBA
• Complete disclosure to the customers in terms of accreditation, service fees, and commission.
• Ensure proper record keeping in terms of prudential guidelines under the CBK act and standard bank KYC compliance and KBA
• Risk management Identify major risks affecting the support function and ensure the necessary steps are taken to measure, monitor and control these risks.
• Ensure maintenance of an effective control structure, with control activities defined at each level and duties appropriately segregated.
• Monitor internal controls to ensure their adequacy and effectiveness.
• Recommend revision of controls to Provincial Operations, where appropriate, to address new or previously uncontrolled risks.
• Maintain a culture within the support area that emphasizes and demonstrates the importance of internal control to all staff.
• Ensure that all routine controls relating to new business are applied effectively, with particular emphasis on routine compliance.
• Ensure effective compliance with agreed limits of authority and levels of access to systems and information.
• Operational effectiveness Provide an effective administrative function for the branch.
• Ensure overall operational readiness and efficiency of the branch infrastructure including premises, ATMs, systems and physical security requirements.
• Ensure efficient workflow from the branch to BFC.
• Ensure overall staff complement is in line with productivity measurements. Ensure that bank assets are controlled in terms of standing instructions.
• Ensure effective management of revenue and expenditure, with emphasis on the containment of controllable costs.
• People management Ensure effective management of direct reports resulting in compliance with the Code of Banking Practice, internal controls and overall well-being of staff.
• Responsible for the implementation and adoption within Branch of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.

Preferred Qualification and Experience

• Degree holder from a recognized University.
• Institute of Bankers or related qualification would be an advantage.

Knowledge/Technical Skills/Expertise

• Sound knowledge of bank’s laid-down policies and procedures relating to all areas under control.
• Knowledge of the T24 System in relation to own area of responsibility
• Knowledge and understanding of the Area sales and service strategies.
• Thorough knowledge and understanding of local target market profiles.
• Thorough knowledge of the products and services applicable to the local market/s.
• Knowledge of the Code of Banking Practice.
• Knowledge of Managing Local Market sales principles.
• Knowledge of the Prudential guidelines under the CBK act and standard bank KYC compliance and KBA
• Qualifications and experience as determined by the Requirements” of the Prudential guidelines under the CBK act and standard bank KYC compliance and KBA

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Job Purpose

Control treasury cash, blank forms, safe custody items and duplicate keys.
Assess and understand the risks associated with the control and changes in the custody of assets and maintain an effective system of controls in order to reduce the overall exposure and thereby minimize risk.
Maintain a high level of integrity and ethical standards

Key Responsibilities/Accountabilities

• Asset custodianship
  
  • Ensure that laid-down instructions for the handling and movement of treasury cash to and from tellers and SBV are adhered to.
  • Ensure that current stock of blank forms received is recorded and signed for according to laid-down procedures.
  • Ensure that record keeping is carried out according to laid-down instructions for treasury cash, blank forms and safe custody items.
  • Ensure that swept deposits are correctly handled in terms of the laid down instructions.
  • Ensure that all Irregular Items have been actioned before the end of the day.
• Monitoring of cash holdings
  
  • Ensure that cash holdings do not exceed prescribed limits.
  • Ensure that sufficient cash levels are maintained to meet normal customer requirements
• Legislative prohibitions
  
  • In terms of the Financial Advisory and Intermediary Services Act No 37 of 2002, (the Act) no staff member is permitted to provide any advice or intermediary service to a customer, in terms of a financial product, as determined by the Act, unless they have been appointed as a
  • Representative of a licensed Financial Services Provider.
  • In your current position you are not an accredited representative in terms of the Act, and are therefore prohibited from giving any advice or intermediary service to a customer in terms of a financial product, as determined by the Act.

Preferred Qualification and Experience

• Degree from a recognised University
• Institute of Bankers or related qualification would be an advantage.

Experience

2 – 3 Years branch banking experience, with exposure to telling and safe custody.

Knowledge/Technical Skills/Expertise

• Comprehensive knowledge of bank’s laid-down instructions regarding treasury cash, blank forms and securities as related to the job.
• Knowledge of the NDS System in relation to own department.
• Knowledge of the Code of Banking Practice.
• Understanding of the impact and inter-relatedness of the services provided to branch staff and customers.