Vacancies at Rose Avenue Group

Responsibilities:

Business Performance

• Put in place annually, an approved business plan document with complete information on customer segmentation, target names, products, services, revenues and profitability.
• Deliver set targets for deposits, risk assets and revenue and the effective management of customers.
• Target assigned customer segments within allocated time and call frequency to generate profitable sales.
• Ensure proper booking of all transactions of customers including deposits, loans, revenues and costs.
• Continually seek new opportunities to market services and bring in new customers by thoroughly understanding the marketing and economic environment.
• Track and maintain allocated performance records including sales tracker, deposits, risk assets, provisions, incomes, costs and all relevant performance indicators on a daily, weekly, monthly, quarterly and annual basis.
• To ensure that the branch/business unit is profitable.

Relationship Management & Customer Service

• Deliver agreed customer and product sales, wallet share and profitability targets.
• Create and monitor customer calling program using the CRM platform.
• Cross sell bank products to customers as spelt out in the KPI.
• Responsible for keeping self and supervisors up to date on competitor data and feedback.
• To gather information to improve existing product offering.
• Achieve the set NPS (Net Promoter Score) target.
• Deliver appropriate product solutions and services in order to capture the target customer share of wallet.
• Develop strong internal relationships to achieve key deliverables.
• Build a strong local profile for self and bank through positive involvement in community activities.
• Own customer complaints and resolution process in portfolio.
• Advice/update customers on all tariffs, policies, procedures and any other changes to products or accounts.
• Ensure proper authorization of Customer Transactions within approved limits

Risk, Governance and Control

• Follow up on all pending transactions and ensure completion.
• Maintain customer profiles and files.
• Robust management of ticklers under your portfolio i.e call memos, insurances, collateral inspections, valuations and annual reviews of Credit Applications
• Provide feedback on performance of service providers.
• To comply with the GCPPM – Group Credit Policy and Procedure Manual.
• To comply with the PDO – Past Due Obligations Policy.
• To comply with the set guidelines set by the CISG – Credit Infraction Sanction Grid.
• To carry out ARA – Annual Risk Assessment, RCSA – Risk Control Self –Assessment, DCFC – Department Control Function Checklist as per set timelines.
• Prudent Management of the portfolio as per set target i.e. NPL and PAR

People Management

• Performance Review/self-assessment and discussion with Line Manager as per set timelines.
• Maintain and develop a culture of high performance, mutual respect, values and reputation in the branch.
• Actively work with Head Office departments to identify any operational and resource gaps (people, budget and equipment).
• Understand and communicate clearly the business strategy of branch/business Unit and bank.
• Motivate and engage the team to deliver on the branch set targets.
• Ensure competent back-up at all times and compliance with Leave Roster.
• Provide honest feedback on performance/support of colleagues/other units.
• Share knowledge and best practice with team members and other Unit heads

Requirements:

• Bachelor’s Degree in relevant field
• At least 7 years of Commercial Banking experience, 3 of which must have been as a Bank Branch Manager or similar commercial role
• Must be well versed with the Bank’s credit policy and procedures
• Strong marketing and business development acumen
• Strong customer service orientation/management
• Strong interpersonal, communication and leadership skills
• Sound knowledge of product and operational procedures

go to method of application »

Responsibilities:

Business Performance

• Put in place annually, an approved business plan document with complete information on customer segmentation, target names, products, services, revenues and profitability.
• Deliver set targets for deposits, risk assets and revenue and the effective management of customers.
• Target assigned customer segments within allocated time and call frequency to generate profitable sales.
• Ensure proper booking of all transactions of customers including deposits, loans, revenues and costs.
• Continually seek new opportunities to market services and bring in new customers by thoroughly understanding the marketing and economic environment.
• Track and maintain allocated performance records including sales tracker, deposits, risk assets, provisions, incomes, costs and all relevant performance indicators on a daily, weekly, monthly, quarterly and annual basis.
• To ensure that the branch/business unit is profitable.

Relationship Management & Customer Service

• Deliver agreed customer and product sales, wallet share and profitability targets.
• Create and monitor customer calling program using the CRM platform.
• Cross sell bank products to customers as spelt out in the KPI.
• Responsible for keeping self and supervisors up to date on competitor data and feedback.
• To gather information to improve existing product offering.
• Achieve the set NPS (Net Promoter Score) target.
• Deliver appropriate product solutions and services in order to capture the target customer share of wallet.
• Develop strong internal relationships to achieve key deliverables.
• Build a strong local profile for self and bank through positive involvement in community activities.
• Own customer complaints and resolution process in portfolio.
• Advice/update customers on all tariffs, policies, procedures and any other changes to products or accounts.
• Ensure proper authorization of Customer Transactions within approved limits

Risk, Governance and Control

• Follow up on all pending transactions and ensure completion.
• Maintain customer profiles and files.
• Robust management of ticklers under your portfolio i.e call memos, insurances, collateral inspections, valuations and annual reviews of Credit Applications
• Provide feedback on performance of service providers.
• To comply with the GCPPM – Group Credit Policy and Procedure Manual.
• To comply with the PDO – Past Due Obligations Policy.
• To comply with the set guidelines set by the CISG – Credit Infraction Sanction Grid.
• To carry out ARA – Annual Risk Assessment, RCSA – Risk Control Self –Assessment, DCFC – Department Control Function Checklist as per set timelines.
• Prudent Management of the portfolio as per set target i.e. NPL and PAR

People Management

• Performance Review/self-assessment and discussion with Line Manager as per set timelines.
• Maintain and develop a culture of high performance, mutual respect, values and reputation in the branch.
• Actively work with Head Office departments to identify any operational and resource gaps (people, budget and equipment).
• Understand and communicate clearly the business strategy of branch/business Unit and bank.
• Motivate and engage the team to deliver on the branch set targets.
• Ensure competent back-up at all times and compliance with Leave Roster.
• Provide honest feedback on performance/support of colleagues/other units.
• Share knowledge and best practice with team members and other Unit heads

Requirements:

• Bachelor’s Degree in relevant field
• At least 7 years of Commercial Banking experience, 3 of which must have been as a Bank Branch Manager or similar commercial role
• Must be well versed with the Bank’s credit policy and procedures
• Strong marketing and business development acumen
• Strong customer service orientation/management
• Strong interpersonal, communication and leadership skills
• Sound knowledge of product and operational procedures

go to method of application »

Job Responsibilities:

Credit Risk Assessment

• To participate in the formulation of bank credit policies and lending practices in such areas as large exposures, credit concentration, sectoral exposure, maturity of securities, etc.
• To ensure implementation of the design, review credit grading systems and establish quality assurance measurements.
• To participate in the development of a regional data bank on industry analyses / market intelligence and liaise with the Credit Reference Bureaus so as to review and initiate action to enrich and modify the overall credit risk profile of the Bank. An update on the risk profile to be submitted to the MD and the respective Board on a quarterly basis with findings and recommendations on way forward

Credit Risk Control/Monitoring

• To monitor the prevailing trend and quality of the credit portfolio in the bank, through various management report such as Arrears and NPA Accounts Reports
• Monitoring of credit risk so as to ascertain the overall health of each asset and overall portfolio and confirm that exposures are in line with the bank’s policy guidelines so as to ensure the quality of the credit portfolio
• To review and follow up on the pending post disbursement covenants
• To conduct Credit risk stress testing and providing advice to management on the course of action to be taken
• To review the expected Credit Losses and IFRS 9 computations and assumptions therein
• To participate in the general management of the Bank and in this regard streamline the credit operations in the Bank through actively participation in re-engineering systems and controls review programmes.
• To ensure implementation of the systems and controls as they relate to credit functions at all times.
• To ensure that all the Bank's Credit Policy and Procedures are implemented across the Bank.

ESG & Climate Risk

• Development and implementation the E&S Policies and Procedures to ensure all stakeholder and lender requirements are reflected within the Policy and Procedures.
• Conduct environmental and social risk due diligence on new facilities and make recommendations on how any E&S risk exposures can be mitigated.
• Identification, measurement and reporting of Climate related risks in the Bank’s portfolio.
• Identify all key potential social and environmental risks in credit applications and ensure that their magnitude and significance are well understood and mitigated.
• Work with Relationship Managers in assessing ESMS risks on new and existing facilities and ensuring that categorization is accurate is well documented in line with the Bank’s policy.
• In liaison with the Relationship Managers, conduct continuous monitoring of financed projects to ensure implementation of mitigation measures as defined in the covenants
• Work with Relationship managers and other relevant units to support customers enhance the environmental and social sustainability of their operations.
• Ensure the Bank is in compliance with environmental and social risk related legislations, and other stakeholder standards and requirements.
• Oversight over E&S disclosures in compliance with voluntary and compulsory requirements of regulators and development partners (CMA, CBK, KBA, NSE, Taskforce on Climate-related Financial Disclosures, etc).
• Representation at partner institutions and industry regulators in developing best practices for exploring the green financing frameworks and investment opportunities in Kenya.
• Continuously equip the bank’s first line of defense through regular capacity building, training, and awareness.

Strategic Risk

• Oversight and reporting of the status of implementation of the Bank’s strategic plan and tracking of execution risks of each milestone.
• Assessment of strategic risks related to the Bank’s operating environment, product suites, delivery channels, digital and technology space, etc and offering advisory on the interventions required to meet the Bank’s strategic aspirations.
• Identifying, Assessing and managing the Bank’s Balance sheet risks.

Reporting

• Ensure timely recovery updates for all facilities in arrears/ excesses to the Country Risk Manager for BRCC.
• Ensure timely completion of all the Financial Risk reports to BRCC /BRTC and all other appropriate internal forums.

Others

• To perform any other duties assigned by the Country Risk Manager from time to time.

Requirements:

• University Degree in Commerce, Economics, Actuarial Science or related field. Masters degree is an added advantage.
• Professional qualification in Banking/Business/Management/ Accountancy.
• Substantial knowledge of local, regional and international environmental agreements, regulations, principles and frameworks as well as EGS reporting requirements
• Detailed understanding of the risks associated with ESMS (Environmental and Social Management System) in the banking business
• Minimum 10 years experience in Financial Risk Management, with at least 5 years in a supervisory position in a banking environment
• Excellent analytical skills
• Able to produce quality work under pressure and with minimal supervision
• Good planning and organizational skills
• Excellent communication and presentation skills.
• Excellent Interpersonal and influencing skills with attention to detail