National Bank is a major player in Kenya’s banking industry. It is one of the largest banks in the country giving financial services to all sectors of the economy
1. Senior Manager, Remedial & Recoveries – MSME
Job Ref No. HR/043/2020
Division: Credit
Reporting to: Head, Remedial & Recoveries
Position Scope: Reporting to the Head, Remedial & Recoveries the role holder is responsible for the formulation and implementation of recovery strategies on non-performing MMSE loan book in line with the bank’s policy framework.
Key Responsibilities
- Provide visible leadership to the Micro & SME recovery team
- To reduce and maintain the bank’s Micro & SME non-performing loan book within the acceptable ratios in line with the bank’s risk appetite framework.
- To continuously monitor the key recovery outcomes and adopt creative recovery strategies in line with the business needs.
- To proactively provide feedback to the business on products which need to be reviewed in order to mitigate high default risk.
- To coordinate interaction with all support teams to ensure our core objectives are achieved in an effective and efficient manner.
- To undertake and follow-up clients for timely remediation of allocated portfolio by taking appropriate recovery actions in line with policy guidelines.
- To effectively communicate and negotiate with customers on their past due facilities while ensuring that subsequent actions on the facilities, if required, are not unduly delayed.
- Identification and escalation of recovery exceptions on own portfolio to reporting line that require approval or consideration of alternative recovery actions.
- Ensure adherence to all credit recovery processes in the course of working out/managing the assigned portfolio.
- Raising red flags on performance trends and forecasts of certain facilities, or industry sector and initiating pro-active strategies and recommendations of credit policy changes.
- To optimize recovery costs.
Qualifications, Experience, Skills & Personal Attributes:
- Bachelor’s degree in Finance, Accounting, Business, Statistics, Mathematics, Economics, Computer Science or related fields from a recognized institution.
- Certified Public Accountant ( CPA- K) or its equivalent
- 7 years’ experience in Banking 5 of which should be handling Micro & SME recoveries at management level in a financial institution.
- Risk Management
- Strong knowledge of business entity legal structures and risk rating
- Good understanding of financial statements and ratios, credit reports, personal financial statements
- Excellent report writing and presentation skills
- Knowledge of national bank lending policy and CBK prudential guidelines
- Decision making –ability to make operational and routine decisions in a timely and effective manner and to be accountable for decision making within departmental and role allocation -Ability to mentor and coach staff to goal definition and achievement
- Performance Management and team building
- Professionalism – maintains a professional approach based on ethics and NBK values
- Integrity and honesty and ethics- ensures ethical practices and integrity and ensures NBK is not put at reputational risk
- Excellent interpersonal, communication and negotiation Skills
- Resilience – is able to withstand strategic and operational challenges and maintain momentum.
- Emotional Intelligence-manages emotions in a mature and composed manner as expected.
2. Senior Manager, Corporate Credit
Job Ref No. HR/042/2020
Division: Credit
Reporting to: Head, Corporate Credit
Position Scope: Reporting to the Head Corporate Credit the role holder is responsible for analysis, approval and management process of corporate credit to facilitate growth of a quality loan book in line with the Bank’s strategic goals.
Key Responsibilities
- Develop and maintain co-operative relationships between all stakeholders in the credit value chain.
- Research and obtain sufficient and appropriate information for evaluating business risk.
- Quality Credit evaluation of credit applications to assess whether the credit risk is consistent with the stated risk appetite position supported by sectoral, single obligor, products, currency, tenor and other limits.
- Review & provide credit recommendation based on sound financial and business justification for deals/proposals within acceptable risk parameters and submit for further review and approval by Director Credit/ Executive/ Board Credit Committee.
- Approval of credit applications within a delegated credit approval limit as advised by Management.
- Increase efficiency in internal business processes, operational controls and risk management. Ensure consistency and maintain decisioning TAT in line with the service level agreements with the different business units.
- Monitoring and control of the Corporate Credit Portfolio by daily reviewing & monitoring of corporate loan portfolio to ensure compliance with post approval conditions, sanctioned limits, Bank policies & recommending inclusion of deteriorating accounts in Early Alert Accounts List.
- Support the implementation of the automation of the entire credit process.
- Support implementation of the standardized process flows.
- Continuously develop staff by providing feedback and relevant training to improve productivity & efficiency.
- Sharing best practise with other Business units, Credit Analysts and Relationship Managers to enhance the Bank’s risk profile.
- Continuously seek to up-skill self through training and proactively seek higher responsibilities
Qualifications, Experience, Skills & Personal Attributes:
- Bachelor’s degree in Finance, Accounting, Business, Statistics, Mathematics, Economics, Computer Science or related fields from a recognized institution.
- Certified Public Accountant ( CPA- K) or its equivalent
- 7 years’ experience in Banking 5 of which should be in Corporate Credit & relationship management at management level.
- Integrity and ensures NBK is not put at reputational risk
- Good understanding of financial statements and ratios, credit reports, personal financial statements
- Resilience – is able to withstand strategic and operational challenges and maintain momentum
- Excellent interpersonal, communication and negotiation skills
- Excellent writing and presentation skills.
- Critical thinking and problem solving skills
- Excellent decision-making and leadership capabilities
- Customer and Stake holder management skills
- Ability to work under pressure and within strict deadlines
- Entrepreneurial/Commercial mind-set
- Computer Literacy
3. Head Policy Compliance
Job Ref No. HR/041/2020
Division: Credit
Reporting to: Director Credit
Position Scope: Reporting to the Director Credit the role holder will be responsible for provision of expert input, high calibre support and oversight to the successful development and implementation of Credit policies, Environmental and Social Management System (ESMS) policy, procedures and regulatory requirements and ensuring that all loan applications, approvals and loan agreements comply with the Bank’s overall credit business strategy and best practices.
He/She is also responsible to oversee the regular review of processes for all lending products and existing credits and provide via deep dive and thematic reviews, independent verification of the risk asset quality of the credit exposures within all segments of the lending portfolio in order to maintain satisfactory credit quality.
Key Responsibilities
- Reviewing, developing, and implementing credit policies and strategies and ensure that the Bank maintains a sound loan portfolio with respect to compliance with state laws and regulations, Bank lending policies and procedures, risk appetite and best practices.
- Ensure adherence to the risk management framework in identifying, controlling, monitoring and reporting of all risks. Work with respective unit heads to drive the development and execution of the Business Continuity Plans (BCP) and operational risk and implement effective control measures and monitoring plans for compliance and operational risk management.
- Provide via sampling and testing and oversight, both a point in time and forward view of individual portfolio trending and remediation to either preserve or enhance asset quality, risk management and risk appetite.
- Develop a working relationship with business unit team leaders to highlight the key credit issues facing the area or product under review and helping to provide executive solutions to improve asset quality, risk management and problem debt identification.
- Review and implement the Environmental and Social Management System (ESMS) policy and procedures by integrating them in the bank’s internal credit process and ensuring that Environmental and Social Due Diligence is undertaken for investment projects as per agreed performance standards and international best practices.
- Identify gaps and plan, design, coordinate the implementation of comprehensive credit training, operational risk and compliance programs in consultation with HR Talent & learning Centre and Risk Division.
- Coordinate the implementation of agreed action plans, tracking and timely closure of identified credit audit and operational risk issues.
- Keep abreast of financial industry laws and regulations, emerging global banking trends and best practices relating to credit and provide regulatory expertise.
- Manage unit budget and team(s) including supporting activities related to training, coaching and developing professional staff.
- Manage and oversee team performance through performance planning, coaching and performance tools availed by the Bank to maintain a high performance culture
- Motivate and inspire the team by providing information and tools needed to carry out their jobs and meet customer expectations.
Qualifications, Experience, Skills & Personal Attributes:
- Bachelor’s degree in Finance, Accounting, Business, Statistics, Mathematics, Economics, Computer Science or related fields from a recognized institution.
- Certified Public Accountant ( CPA- K) or its equivalent
- Eight (10 years’ experience in Credit function out of which 5 years should be handling Credit Risks, policies, processes and prudential guidelines at Head or senior management level in a financial institution.
- Business acumen/ commercial awareness; ability to thoroughly and independently assess business strategies, alignment and implementation plans.
- Leading teams; capable of empowering and leading teams to meet Bank goals
- Leading change; proven change management capability to drive and align teams to strategy.
- Innovation; able to keep up with trends of meeting the demands of internal and external customers and controls thereof.
- Collaboration; forms business partnerships that help drive the Bank’s agenda.
- Multi-tasking; able to manage several concurrent assignments and prioritize demands
- Flexibility and adaptability; ability to keep pace with latest industry trends
- Excellent communication skills; articulate in communicating to both internal and external stakeholders at all levels.
- Analytical; capable of managing numerous information sources and providing data analysis reports to multiple stakeholders.
- Proven planning, organization and execution skills
- Change management and conflict resolution skills
- Excellent interpersonal, communication and negotiation skills
- Excellent writing and presentation skills.
- Critical thinking and problem solving skills
- Excellent decision-making and leadership capabilities
- Customer and Stakeholder management skills
- Ability to work under pressure and within strict deadlines
- Entrepreneurial/Commercial mind-set
- Computer Literacy
4. Audit Manager, ICT Services Operations
Job Ref No. HR/030/2020
Division: Internal Audit
Reporting to: Head ICT Audits
Position scope: The role holder will be expected to provide objective and independent assurance to senior management and the Board Audit Committee that the information systems in place and new related projects and controls are appropriate, well developed, reliable and secure.
He/She will have the responsibility of evaluating the adequacy of processing controls as they relate to each audit, and the effectiveness of general computer controls in the ICT environment.
In addition, He/ She will be supporting the Director of Internal Audit and Senior Management through Head of ICT audits in examining, evaluating, and verifying operating systems, procedures, internal controls, and recorded data for the information technology departments of the Bank.
Key responsibilities:
- Provide expertise in the audit of ICT services operations across the Bank in line with approved internal audit methodology, processes, procedures and timelines.
- Participate in the development of risk based IS annual audit plans detailing the scope, nature and timing of audit activities.
- Plan and perform technical information systems audits on all mapped critical areas and processes and highlight improvement points. Critical areas to be continuously mapped and reviewed include among others;
- IT governance,
- IT systems and banking applications,
- Network and communication infrastructure,
- IT general controls,
- Operating systems and databases,
- Business Continuity and disaster recovery,
- Major systems acquisition and implementation projects,
- Data Centre operations among others
- Participate from an audit perspective in reviewing acquisition of new major IS assets by advising project teams on information systems control and security issues and ensure all set criteria are met.
- Interface and perform necessary special integrated audit projects with the Business/Branch Networks and Central/Shared functions.
- Stakeholder management and offer expertise on quality recommendations for ICT service and operational controls.
- Review the means of safeguarding assets and, as appropriate, verify the existence of such assets.
- Discuss audit findings and recommendations with audit clients and prepare management and board papers for reporting significant control issues to the senior management and the Board Audit Committee.
- Coach, mentor and offer expertise to other staff within the division, including offering support on IS related areas.
- Track and follow up on relevant IT audit issues emanating from Internal Audit Reports, and other external independent reviews to ensure timely closure.
- Support in raising awareness to staff on ICT service and operational controls.
- Assist in conducting ad-hoc investigations and reviews, as a liaison subject matter expert, as may be requested by senior management and/or the Board Audit Committee.
- Other duties may be assigned by the Internal Audit Management from time to time.
- Execution of audit assignments within allocated timelines.
- Quality of audit recommendations and closure rate.
- Satisfactory results of periodic client surveys and external peer reviews.
- Timely submission of audit report summaries.
- Effective Completion of IS annual audit plan.
- Annual risk assessment report on assigned areas.
Skills & Experience:
- A Bachelor’s Degree in Computer Science, IT or Engineering from a recognised University.
- CISA professional certification.
- ACCA/CPA / related professional certification are preferred.
- Membership of IIA/ISACA in good standing is preferred.
- CISM – an added advantage.
- Five (5) years’ experience in an internal audit/ ICT related environment in the financial sector or audit firms with practical and hands on experience.
- Understanding of ICT risk management, processes and associated control requirements.
- Innovation; able to keep up with trends of meeting the demands of internal and external customers and controls thereof.
- Collaboration; forms business partnerships that help drive the Bank’s Assurance agenda.
- Multi-tasking; able to manage several concurrent audit assignments and prioritise demands.
- Flexibility and adaptability; ability to keep pace with latest trends in addition to new audit requirements.
- Excellent communication skills; strong and confident, articulate in communicating to both internal and external stakeholders.
- Analytical; capable of managing numerous information sources and providing data analysis reports to senior management.
- Professional Independence; exercise objectivity, competence, discretion and courage to raise and escalate matters where applicable.
- Proactive and Agile
5. Head Information Communication Technology (ICT) Audits
Reporting to: Director Internal Audit
Position scope: The role holder will have the responsibility of leading a professional team of auditors in carrying out independent and objective assurance and consultancy services through examining, assessing and verifying the adequacy, effectiveness and efficiency of the Bank’s ICT Internal control systems, procedures, risk management and governance processes.
He/ She will be required to recommend continuous improvements on ICT systems and enhance internal controls through scheduled and continuous audits.
The role holder will also be expected to perform Quality Assurance on ICT audit department in line with IIA guidelines and address noted improvement gaps.
Key responsibilities:
- Develop and Implement ICT audit strategy for the Audit Division, in consultation with the Director Internal Audit, including being proactive in researching and offering oversight in implementation of latest controls and mitigations in ICT environment, through close but independent collaboration with 1st and 2nd lines of defences.
- Developing and enforcing ICT Internal Audit methodology, standards and procedures to ensure effective assurance and functioning of ICT function.
- Understand current and emerging technology risks, advice management on related controls, provide assurance on the level of adherence to controls for existing and new technologies including cyber related risks.
- Provide leadership to all Audit Managers in the audit of ICT and all other related information Systems in line with approved audit methodology and audit objectives.
- Objectively review the systems established within the assigned areas to assess compliance with policies, procedures, laws and regulations and highlight significant improvement areas.
- Plan and perform technical information systems audits on mapped critical areas and processes and highlight improvement areas in detailed audit reports.
- Participate from an audit perspective in reviewing acquisition process of major new Information Systems assets by advising project teams on information systems control and security issues and ensure IT capabilities are at the acceptable standards.
- Proactively discuss audit observations and recommendations from audit projects with audit clients and prepare report summaries for reporting significant control issues to senior management and the Board Audit Committee.
- Track and follow up on relevant audit issues emanating from Internal Audit Reports and other independent external reviews to ensure their timely resolution and closure.
- Participate in the review of the Internal Audit Charter in line with the relevant standards and guidelines.
- Participate in the development and review of risk based annual ICT audit plans detailing the scope, nature and timing of audit activities.
- Assist in conducting ad-hoc technical ICT investigations and reviews as may be requested by senior management and/or the Board Audit Committee from time to time.
- Carry out internal assessment on Quality Assurance and Improvement Program to ensure continuous improvement of ICT audit processes as per Institute of Internal Auditors Guidelines.
- Supervise, coach, mentor and offer leadership to all Audit managers and in particular those handling ICT audits to maintain a high performance culture.
- Perform consulting activities as scheduled or as requested by senior management.
- Tracking latest IT security innovations, keep abreast of latest cyber security technologies and providing appropriate recommendations for the Bank.
- Prepare Board Audit Committee papers summarizing significant audit observations arising from ICT audits on quarterly basis.
- Champion and raise awareness to internal stakeholders on controls and checks to ensure assurance of IT Assets in the Bank.
- Ensure compliance with both internal and external regulatory requirements in the normal course of duty.
- Maintain confidentiality in line with the Bank’s Non-disclosure agreements and best practices as required.
- Ensure compliance with the relevant laws and regulations.
- To safeguard and promote the bank’s image with the general public within the scope of duty.
- Other duties as may be assigned by the Director, Internal Audit from time to time.
Skills & Experience
- Bachelor’s Degree in Computer Science, IT or Engineering in a recognised University.
- Professional qualification in IT Security; CISA/CISM
- CIA /CRISK Certifications will be an added advantage.
- Member of ISACA in good standing.
- Masters degree in ICT related fields is preferred.
- IIA/ICPAK membership preferred.
- Project Management Certification
- Ten (10) years’ experience in risk, governance and control work related environment; five(5) of which should be at a leadership level in external/internal audit managing ICT audits in a commercial bank or other large and established consultancies.
- Demonstrated hands on experience in an ICT controls environment.
- Leading teams; capable of empowering and leading an Internal Audit team to meet Bank and Internal Audit Assurance goals.
- Leading Change; proven change management capability to drive the Internal Audit Assurance strategy.
- Innovation; able to keep up with trends of meeting the demands of internal and external customers and controls thereof.
- Collaboration; forms business partnerships that help drive the Bank’s IT Assurance agenda.
- Multi-tasking able to manage several concurrent audit assignments and prioritise demands.
- Flexibility and adaptability; ability to keep pace with latest technology and trends in addition to new security requirements.
- Excellent communication skills; articulate in communicating to both internal and external stakeholders at all levels.
- Capable of managing numerous information sources and providing data analysis reports to senior management and stakeholders at all levels.
- Practical computer literacy in all critical domains.
- Practical hands on experience in ICT Auditing
- Well conversant with Kenyan Banking Act, CBK Prudential Guidelines, International Accounting and Auditing Standards, Information Systems and Security standards.
6. Head Commercial Functions and Branch Network Audits
Job Ref No. HR/029/2020
Division: Internal Audit
Reporting to: Director Internal Audit
Position scope: The role holder will have the responsibility of leading a team carrying out independent and objective assurance and consultancy services through examining and assessing business strategy and its implementation plan within Commercial Functions and the Branch Network.
He/she will be required to verify the adequacy, effectiveness and efficiency of the Bank’s Commercial Functions and Branch Network Internal control systems, procedures, risk management and governance processes.
In addition, the role holder will be required to recommend continuous improvements on processes, operations and enhance internal controls through performing Quality Assurance in line with IIA Guidelines.
Key responsibilities:
- Understand and assess the Bank’s strategy, alignment of commercial functions strategy and the implementation plans for the same.
- Take part in developing and enforcing Internal Audit policies, standards and procedures to ensure assurance in operations and maintenance of processes and controls.
- Understand operational risks, advice management on related controls, provide assurance on the level of adherence to controls for existing and new processes aimed at ensuring experiential customer experience and sustainability.
- Provide leadership to Audit Managers in Commercial Functions and Branch Network Audits line with Audit objectives.
- Support in development of an annual audit plan by engagement of the team and stakeholders to identify priorities and resource requirements for the year.
- Objectively review processes established within the assigned areas to assess compliance with policies, procedures, laws and regulations and highlight significant improvement areas and compliance levels.
- Oversee and provide quality controls for Commercial Functions and Branch Network audits, to ensure departmental mandate and business strategies are met and professional standards are maintained.
- Adopt an anticipatory approach to risk assessment through stakeholder communication and monitoring of the external environment to improve audit planning.
- Review reliability and integrity of financial and operating information and the means used to identify, measure, classify, and report such information.
- Ensure the timely execution of audit and assurance assignments to provide independent, objective assurance to the senior management and Audit Committee.
- Review audit findings and recommendations thereof for adequacy in line with existing audit methodology framework (comprising collation of data, analysis, interviewing audit clients and preparation of audit reports as per set timelines).
- Ensure final reports are issued with quality recommendations and action plans agreed by the audited individual/group and prepare summaries for reporting significant control issues and compliance levels to senior management and the Audit Committee.
- Ensure appropriate follow up of issues, issue closure rate is maintained at an acceptable level and escalations where appropriate is done.
- Build relationships with stakeholders in the business to understand departmental dynamics, emerging issues and identify areas for improvement.
- Interface and perform necessary special integrated audit projects with the Commercial Functions and Branch Network.
- Review the means of safeguarding assets and as appropriate verify the existence of such assets within assigned areas of check.
- Discuss audit findings and recommendations with audit clients and prepare board papers for reporting significant control issues and strategy compliance levels to senior management and the BAC.
- Oversee and provide quality control for the department’s audits, to ensure departmental mandate and business goals are met and that professional standards are maintained at all times.
- Manage and oversee team performance through performance planning, coaching and performance tools availed by the Bank to maintain a high performance culture
- Motivate and inspire the team by providing information and tools needed to carry out their jobs and meet customer expectations.
- Supervise, mentor and offer leadership to Audit managers and internal auditors on Commercial Functions and Branch Network Audits related areas to build capacity.
- Track and follow up on relevant Commercial Functions and Branch Network audit issues emanating from Internal Audit Reports, CBK Inspection Reports and External Auditors to ensure timely closure.
- Conduct ad-hoc investigations and reviews as may be requested by senior management and/or the Board Audit Committee.
- Other duties as may be assigned by the supervisor from time to time.
Skills & Experience:
- A bachelor’s degree in business / related field from a recognized university
- Certified Public Accountant of Kenya(CPA(K)/ ACCA,
- Member of ICPAK or ACCA in good standing.
- CIA/CISA certification
- Master’s in Business field
- Members of IIA are preferred.
- Ten (10) years’ experience in internal audit or related risk, governance and control related work environment; five of which should be at a leadership level in Internal Audit.
- Business acumen/ commercial awareness; ability to thoroughly and independently assess business strategies, alignment and implementation plans.
- Leading teams; capable of empowering and leading an Internal Audit team to meet Bank and Internal Audit Assurance goals.
- Leading change; proven change management capability to drive the Internal Audit Assurance strategy.
- Innovation; able to keep up with trends of meeting the demands of internal and external customers and controls thereof.
- Collaboration; forms business partnerships that help drive the Bank’s Commercial functions and branch network assurance agenda.
- Multi-tasking; able to manage several concurrent audit assignments and prioritise demands
- Flexibility and adaptability; ability to keep pace with latest technology and trends in addition to new security requirements that affect Commercial functions and branch networks.
- Excellent communication skills; articulate in communicating to both internal and external stakeholders at all levels.
- Analytical; capable of managing numerous information sources and providing data analysis reports to senior management and stakeholders at the Board Level.
- Practical experience in auditing commercial business functions and branch networks.
7. Head Risk Management
Job Ref No. HR/026/2020
Position Title: Head Risk Management
Available position: 1
Division: Risk
Reporting to: Director Risk
Position scope: The successful candidate will be responsible for risk management across the Bank and provide leadership, advice and guidance in all matters relating to risk management as well as ensuring adequate mitigating controls are in place which manage overall risk exposure to within limits set by the Board.
Key responsibilities:
- Develop and implement an ICT Risk Management Framework
- Managing the implementation of all aspects of the risk department i.e. operational risk, market risk, ICT risk and lending risk- this include but not limited to implementation of processes, tools and systems to identify, assess, measure, manage, monitor and report risks.
- Planning, designing and implementing an overall risk management process and monitoring the management of all risks, thereby ensuring the overall effectiveness of the process of corporate governance through the Risk Management Framework.
- Assisting in the development of and managing processes to identify and evaluate business areas’ risks and control self-assessments as well as managing the process for developing risk policies and procedures, risk limits and approval authorities.
- On-going monitoring of the risk-taking activities and risk exposures to ensure they are in line with the board-approved risk appetite, risk limits and corresponding capital or liquidity needs.
- Establishing an early warning or trigger system for breaches of the bank’s risk appetite or limits and influencing and, when necessary, challenging material risk decisions; and being actively engaged in the process of setting risk measures and limits for the various business lines and monitoring their performance relative to risk-taking and limit adherence.
- Developing Stress Test programs and conducting quantitative and qualitative analysis, using stress tests and scenario analyses to better understand potential risk exposures under a variety of adverse circumstances as well as Conducting compliance & risk assessments.
- Managing 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).
- Monitoring of loan and investment portfolio quality as well as stress testing of the Bank’s financial variables in relation to environmental changes and impact on Bank’s performance.
- Risk reporting to the Board of Directors on a quarterly basis and ensuring that business lines comply with risk parameters and prudential limits established by the board as well as supporting the board in its implementation, review and approval of the enterprise-wide risk governance framework.
- Cascade the proper risk management practices to the staff members in the organization with the aim of having a proper bank-wide Risk Awareness culture and developing and managing the business continuity processes as well as lead on related projects.
- Developing and actively engaging the business units in the development, testing for robustness and the implementation of the Bank’s Business Continuity Plan.
Skills & Experience:
- A Bachelor’s degree in Financial Risk Management, Finance, Accounting or related field from a recognized institution
- A master’s degree in business related field
- Professional qualification risk management
- Eighty (8) years’ work experience with at least three (3) years extensive experience in risk management in the banking sector or any financial institution.
- Must possess proven business development skills, knowledge of the overall business marketplace.
- Proven strong financial analysis and lending risk management.
- Maintain a thorough knowledge of ICT, Lending, Operational & Market risks and a complete understanding of the corresponding policies.
- Good understanding of Banking laws and regulations.
8. Head Islamic Banking Credit
Job Ref No. HR/040/2020
Reporting to: Director Credit
Position Scope: Reporting to the Director Credit the role holder will be responsible for credit approvals for Islamic Banking business loans through analysis of credit applications in accordance with the Bank’s lending policies, Shariah law, CBK Prudential Guidelines and best practice to achieve quality growth in the retail asset book in line with the strategic plans.
Key Responsibilities
- Evaluate and approve shariah compliant credit proposals (new, renewals, one offs, permanent, amendments, cancellations, etc.) received from Islamic Banking department in line with specific credit guidelines as set within existing policy/manual/product documents, understanding of market, industry, economic factors, financial statements, etc., and recommending those beyond DLA for consideration
- Verify & analyze credit information, documentation such as bank statements, financials, etc. provided by RMs/Customers, and seek clarification, if needed from other sources, liaise with RM for queries, additional information / documents, business recommendations for deviations, if needed.
- Visit clients/Centers/Branches, independently or with RMs/Manager as part of the evaluation of credit proposals for better understanding of the client, business and market
- Review on a periodic basis, a sample of credit decisions made by Credit authority holders within the unit
- Attend to Audit requirements and provide responses to audit remarks/ensure rectification thereof in respect of Personal Credit Department
- Monitor Islamic Banking portfolio for renewals, limits dropping, early vintage performance, migration and PAR
- Monitor compliance with TAT and other service level agreements
- Support creation of New Policy and Manuals, continuous streamline and update of existing Credit Policies and Manual
- Support creation and update of new and existing product standards and guidelines for the Personal product programs
- Manage and oversee team performance through performance planning, coaching and performance tools availed by the Bank to maintain a high performance culture
- Motivate and inspire the team by providing information and tools needed to carry out their jobs and meet customer expectations.
Qualifications, Experience, Skills & Personal Attributes:
- Bachelor’s degree in Finance, Accounting, Business, Statistics, Mathematics, Economics, Computer Science or related fields from a recognized institution.
- Certified Public Accountant ( CPA- K) or its equivalent
- Eight (8) years’ experience in Credit function out of which 5 years should be at Head or senior management level handling Islamic Banking in a financial institution.
- Business acumen/ commercial awareness; ability to thoroughly and independently assess business strategies, alignment and implementation plans.
- Leading teams; capable of empowering and leading teams to meet Bank goals
- Leading change; proven change management capability to drive and align teams to strategy.
- Innovation; able to keep up with trends of meeting the demands of internal and external customers and controls thereof.
- Collaboration; forms business partnerships that help drive the Bank’s agenda.
- Multi-tasking; able to manage several concurrent assignments and prioritize demands
- Flexibility and adaptability; ability to keep pace with latest industry trends
- Excellent communication skills; articulate in communicating to both internal and external stakeholders at all levels.
- Analytical; capable of managing numerous information sources and providing data analysis reports to multiple stakeholders.
- Proven planning, organization and execution skills
- Excellent interpersonal, communication and negotiation skills
- Excellent writing and presentation skills.
- Critical thinking and problem solving skills
- Excellent decision-making and leadership capabilities
- Customer and Stake holder management skills
- Ability to work under pressure and within strict deadlines
- Entrepreneurial/Commercial mind-set
- Computer Literacy
9. Head Credit Administration
Job Ref No. HR/039/2020
Reporting to: Director Credit
Position Scope: Reporting to the Director Credit the role holder will provide leadership in management of the Credit performance and asset quality of the lending book through business engagement and customer visits.
Key Responsibilities
- Manage the Credit performance and asset quality of the lending book through business engagement and customer visits.
- Review and Conduct monthly Early Alert meetings for all Business segments and collections & Remedial teams.
- Prepare and present the Risk Management Report for Credit to ECC and prepare the same for the Board Credit Committee (BCC).
- Review, sign and submit all Credit monthly reports to the Central Bank.
- Address credit issues as raised by CBK post reporting.
- Coordinate all credit related data to business segments, credit division and finance department.
- Coordinate credit issues relating to data and reported numbers to both internal and external auditors.
- Review credit systems’ requirements for Credit Management and Core Banking systems
- Play an overall oversight role for operational risks in the Credit Division.
- Aggregate and analyse risk events occurring in the Credit Division and ensure they are adequately addressed in the credit processes and policies.
- Review and test controls within credit processes and policies.
- Track and review violations /deviations in the Credit Policy and procedures for credit facilities.
- Test and validate booking of loans and accounts in the Core Banking system including capturing of details such as amount, tenor, interest rates, collateral, insurance, etc.
- Play an oversight role on Quality Control within credit processes by monitoring TAT and resolution of complaints
- Lead data mining, report writing and process automation in credit and reporting.
- Lead the CRB reporting and process automation.
- Ensure compliance to terms and conditions of facilities after disbursements such as tracking covenants on a monthly basis by following-up with Business for timely receipt of any items falling due for all loans subject to covenant compliance.
- Maintain a healthy asset book across all business segments.
- Manage and oversee team performance through performance planning, coaching and performance tools availed by the Bank to maintain a high performance culture
- Motivate and inspire the team by providing information and tools needed to carry out their jobs and meet customer expectations.
Qualifications, Experience, Skills & Personal Attributes:
- Bachelor’s degree in Finance, Accounting, Business, Statistics, Mathematics, Economics, Computer Science or related fields from a recognized institution.
- Certified Public Accountant (CPA- K) or its equivalent
- Eight (8) years’ experience in Credit function out of which 5 years should be at Head or senior management level in a financial institution.
- Business acumen / commercial awareness; ability to thoroughly and independently assess business strategies, alignment and implementation plans.
- Leading teams; capable of empowering and leading teams to meet Bank goals
- Leading change; proven change management capability to drive and align teams to strategy.
- Innovation; able to keep up with trends of meeting the demands of internal and external customers and controls thereof.
- Collaboration; forms business partnerships that help drive the Bank’s agenda.
- Multi-tasking; able to manage several concurrent assignments and prioritize demands
- Flexibility and adaptability; ability to keep pace with latest industry trends
- Excellent communication skills; articulate in communicating to both internal and external stakeholders at all levels.
- Analytical; capable of managing numerous information sources and providing data analysis reports to multiple stakeholders.
- Proven planning, organization and execution skills
- Excellent interpersonal, communication and negotiation skills
- Excellent writing and presentation skills.
- Critical thinking and problem solving skills
- Excellent decision-making and leadership capabilities
- Customer and Stakeholder management skills
- Ability to work under pressure and within strict deadlines
- Entrepreneurial/Commercial mind-set
- Computer Literacy
10. Head Corporate Credit
Job Ref No. HR/038/2020
Position Title: Head Corporate Credit
Division: Credit
Reporting to: Director Credit
Position Scope: Reporting to the Director Credit the role holder will be responsible for credit approvals for corporate loans through analysis of credit applications in accordance with the Bank’s lending policies, CBK Prudential Guidelines and best practice to achieve quality growth in the retail asset book in line with the strategic plans.
Key Responsibilities
- Spearheading a team of Corporate Credit professionals, whilst supporting creation of Credit Policy, Strategy and Mandate
- Support in development of risk appetite guidelines and policy/procedures and credit discretion with sign off approval/ signatory authority on top-end credit decisions
- Develop and enhance the Credit Reporting & Monitoring framework which meets the requirements of various external & internal stakeholders
- Assist the Director Credit in carrying out responsibilities pertaining to Board Credit Committee which includes preparation of the information pack and responding to data/ analytical requests from the Committee
- Assist the Director Credit in the review of Credit Policies & Standards in order to ensure that these reflect the best practice
- Contribute proactively to various risk related projects and initiatives owing to synergies (e.g. stress testing, IFRS 9); especially on aspects pertaining to credit measurement
- Contribute to system enhancement and implementation projects in the credit risk space (e.g. Credit Management System) by providing requirements and design inputs, particularly with regard to credit risk recognition and measurement.
- Develop and implement sound credit risk measurement and monitoring frameworks throughout the Bank in a standardized manner.
- Evaluate and approve credit proposals (new, renewals, one offs, permanent, amendments, cancellations, etc.) received from Corporate unit in line with specific credit guidelines as set within existing policy/manual/product documents, understanding of market, industry, economic factors, financial statements, etc., and recommending those beyond DLA for consideration.
- Verify & analyze credit information, documentation such as bank statements, financials, etc. provided by RMs/Customers, and seek clarification, if needed from other sources, liaise with RM for queries, additional information / documents, business recommendations for deviations, if needed.
- Visit clients/Centers/Branches, independently or with RMs/Manager as part of the evaluation of credit proposals for better understanding of the client, business and market
- Review on a periodic basis, a sample of credit decisions made by Credit authority holders within the unit.
- Attend to Audit requirements and provide responses to audit remarks/ensure rectification thereof in respect of Corporate Credit Department.
- Monitor Corporate Banking portfolio for renewals, limits dropping, early vintage performance, migration and PAR
- Monitor compliance with TAT and other service level agreements
- Support creation of New Policy and Manuals, continuous streamline and update of existing Credit Policies and Manual
- Support creation and update of new and existing product standards and guidelines for the corporate products
- Manage and oversee team performance through performance planning, coaching and performance tools availed by the Bank to maintain a high performance culture
- Motivate and inspire the team by providing information and tools needed to carry out their jobs and meet customer expectations.
Qualifications, Experience, Skills & Personal Attributes:
- Bachelor’s degree in Finance, Accounting, Business, Statistics, Mathematics, Economics, Computer Science or related fields from a recognized institution.
- Certified Public Accountant ( CPA- K) or its equivalent
- Eight (10 years’ experience in Credit function out of which 5 years should be at Head or senior management level in a financial institution.
- Strong understanding of Credit analysis and policies
- Good understanding of Risk Management principles
- Good understanding of Basel III and evolving regulatory guidelines in this space
- Possess strong problem solving skills (hypothesis-driven thinking, analytical, quantitative etc.)
- Business acumen/ commercial awareness; ability to thoroughly and independently assess business strategies, alignment and implementation plans.
- Leading teams; capable of empowering and leading teams to meet Bank goals
- Leading change; proven change management capability to drive and align teams to strategy.
- Innovation; able to keep up with trends of meeting the demands of internal and external customers and controls thereof.
- Collaboration; forms business partnerships that help drive the Bank’s agenda.
- Multi-tasking; able to manage several concurrent assignments and prioritize demands
- Flexibility and adaptability; ability to keep pace with latest industry trends
- Excellent communication skills; articulate in communicating to both internal and external stakeholders at all levels.
- Analytical; capable of managing numerous information sources and providing data analysis reports to multiple stakeholders.
- Proven planning, organization and execution skills
- Excellent interpersonal, communication and negotiation skills
- Excellent writing and presentation skills.
- Excellent decision-making and leadership capabilities
- Customer and Stakeholder management skills
- Ability to work under pressure and within strict deadlines
- Computer Literacy
11. Business Development Manager, Transaction Banking
Job Ref No. HR/033/2020
Position Title: Business Development Manager, Transaction Banking
Available Positions: 4
Division: Corporate Banking Division
Reporting to: Head-Transaction Banking
Position Scope: The Role holder is responsible for implementation and cross-selling of Transaction Banking Products and Services of the Bank covering Payments Processing, Integrated and customized collections, Cash Management, Outsourced products and service propositions, Electronic transaction channels, Strategic Business Partnerships with Third Party entities with the main aim of ensuring that the Bank’s Non Funded Income line (Fees and commissions) grows while at the same time ensuring customer utilization of the value propositions to enhance business and customer retention and growth.
The role holder will also retain and increase funds from existing customers as well as acquire new business relationships and ensure that the end to end delivery of Transaction Banking proposition to the customers where revenue generation can be expeditiously realized so as to achieve the desired segments’ financial objectives.
Key responsibilities:
- Develop and implement strategies for selling transactional Banking solutions to existing and potential customers including account planning for identified accounts and compelling customized cash management solutions.
- Work closely with client relationship teams and internal business partners to provide the specialist partnership in the securing of cash management mandates and transactions
- Identifying opportunities and leveraging on our products and network capabilities,
- Building strategic focus around market share growth, market profile, scalability of the business, fit for growth businesses and new markets
- Lead regular pricing reviews including impact of pricing waivers, non-standard pricing and appropriate pricing at a product level for Corporate Banking Department
- Build discipline around product utilization and monitoring, to inform business decisions and focus for the segment.
- Drive penetration of electronic channels (Internet banking, Host to Host interfaces, E-Pay, Mobile Banking e.t.c) in new and existing Client portfolios as well as facilitating customized solution development in liaison with Project Management and Technology teams.
- Carry out strategic business goals as set by Senior Management and to work closely with all sales channels, product partners, external business partners and in-house colleagues so as to maximize resources and opportunities
- Responsible for development of a sales plan and pipeline management for cash management solutions within all the Business Divisions of the Bank.
- Develop and implement and manage a range of products and solutions so as to maximize underlying economic profit and attain consistent market share growth.
- Embed product knowledge of Transaction Banking solutions across relationship teams and sales channels.
- Prepare and submit weekly, monthly and quarterly administration and business performance reports.
- To undertake market situation analysis to identify new business opportunities in coordination with the Bank’s Business Divisions.
- To match clients’ needs with product capabilities through presentation of tailored demonstrations and proposals on Transaction Banking propositions.
- To keep abreast of clients’ needs trends and product/market intelligence for new product developments/enhancements with an aim of strengthening the Bank’s competitive position in the market.
Skills & Experience:
- Degree in Business or I.C.T from a reputable University
- Certification in ICT, Relationship Management or Customer Service skills
- Minimum of 6 years Banking experience 3 of which should be in Relationship Management or Sales position
- Customer & Client Focused Innovation: Gives options and advice, and innovates when needed to address customer/client needs.
- Driving Delivery of Results: Takes accountability for improving the business and demonstrates a sense of urgency around the achievement of stretching business goals
- Commercial Awareness & Business Acumen: identify opportunities for revenue generation
- Good communication and interpersonal skills
- Good negotiation skills
- Good planning and organizational skills
- Good analytical and problem solving skills
- Good report writing and presentation skills
- Technologically savvy and appreciation of current ICT trends
- Good appreciation of Banking Operations, Treasury, Corporate & Retail Banking
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