I&M Bank Careers

PURPOSE:

The role is responsible for managing the credit exposure of clients within the group – not limited to East Africa. Responsibilities include credit analysis, and active monitoring of the portfolio to identify and mitigate credit risks. The role holder will work in conjunction with other functions within the group in arriving at informed decisions through an understanding of the credit, structure and profitability features of each relationship.

PRIMARY RESPONSIBILITIES:

• Provide independent &/ consultative credit risk sign-off on credits and deal driven credit requests, or recommend for approval to approving authority(s)
• Analyse, structure and execute large and complex credits; facilitate annual credit reviews of the same.
• Manage a portfolio of credits within the Groups client base according to laid out portfolio parameters.
• Promote the development of good client relationships in line with the Group’s portfolio strategy and norms.
• Automation & Streamlining of the credit underwriting process across the Group.
• Guide a group of credit analysts and relationship managers across the regions, ensuring quality assurance and timely delivery, while being responsible for their coaching, training, mentoring and supervision.
• Provide Independent credit risk support to Product and Relationship partners in the Group through the provision of an efficient and effective credit process; advice on origination and structuring of credits; and guidance on industry and geographic related trends and developments.
• Provide risk guidance and coaching to members of the Regional Credit team and to business partners.
• Ensure that the credit process is compliant with the institutional norms and requirements including but not limited to internal audit, external auditors and regulators.
• Demonstrate technical expertise, strong understanding of products and associated risks
• Work closely with the Regional Credit functions to assist in all regulatory requirements and regulatory requests for East Africa, including any credit risk aspects of subsidiary submissions to the Regulator.
• Understanding of the countries covered, including the respective local market, key clients, local market conditions and the capabilities and practices of our competitors.
• Create and sustain a network of strong partnerships with the business (relationship and product management) and other risk functions
• Support in activities impacting regulatory requirement and credit risk, for example Internal Capital Adequacy Assessment Plan (ICAAP), IFRS9 activities, risk based pricing and other related activities.
• Maintaining and developing own knowledge and understanding of I&M Group credit policies and procedures
• Managing deteriorating credits (including preparation of classified reports and setting of triggers and action plans)
• Using various systems resources and tools, perform portfolio management tasks including portfolio reporting, rapid portfolio reviews, stress tests and regulatory reporting
• Managing change – identifying new/best practices – implementing such changes, working as a team
• From time to time, undertaking certain ad hoc projects; participating in Fundamental Credit Reviews and Line Reviews; providing training on Risk topics to colleagues

PERSON SPECIFICATIONS

Competencies:

• Excellent analytical and structuring skills - Able to manage large volume deal flow; Proficient analytical skills that are applicable across different industries, products and customer classes. Coach, mentor and lead direct reports to develop team strengths and improve on weaknesses.
• Problem Recognition - Ability to proactively manage risk and identify negative trends.
• Training and Coaching – ability to effectively coach and train direct reports/juniors.
• Macroeconomic and Political Environment - Proactively and transparently adjusts risk appetite for changes in country risk.
• Decision-Making and Approval: Makes decisions (using well-reasoned judgment) under pressure and in a timely manner. Focuses and guides the priorities of others; Incorporates capital and P&L implications into decision-making process;
• Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively

Academic Qualifications

• Undergraduate degree
• Additional risk training/qualification an advantage
• Appropriate Post-Graduate qualification will be an advantage
• Fluent English (read, write and speak)

PURPOSE:

The role is responsible for managing the credit exposure of clients within the group – not limited to East Africa. Responsibilities include credit analysis, credit approval, and active monitoring of the portfolio to identify and mitigate credit risks. The role holder will work in conjunction with other credit functions within the group in arriving at informed decisions through an understanding of the credit, structure and profitability features of each relationship.

PRIMARY RESPONSIBILITIES:

• Automation & Streamlining of the credit underwriting process across the Group.
• Analyze, structure and execute large and complex credits; facilitate annual credit reviews of the same.
• Manage a portfolio of credits within the Groups client base according to laid out portfolio parameters.
• Promote the development of good client relationships in line with the Group’s portfolio strategy and norms.
• Provide independent &/ consultative credit risk sign-off on credits and deal driven credit requests, or recommend for approval to approving authority(s)
• Lead and coordinate a group of analysts across the regions, ensuring quality assurance and timely delivery, while being responsible for their coaching, training, mentoring and supervision.
• Provide Independent credit risk support to Product and Relationship partners in the Group through the provision of an efficient and effective credit process; advice on origination and structuring of credits; and guidance on industry and geographic related trends and developments.
• Provide risk guidance and coaching to members of the Regional Credit team and to business partners.
• Ensure that the credit process is compliant with the institutional norms and requirements including but not limited to internal audit, external auditors and regulators.
• Demonstrate technical expertise, strong understanding of products and associated risks
• Work closely with the Regional Credit functions to assist in all regulatory requirements and regulatory requests for East Africa, including any credit risk aspects of subsidiary submissions to the Regulator.
• Legal, Regulatory, Compliance proficiency in supervising and managing fiduciary, disclosure, legal/regulatory documentation as appropriate
• Understanding of the countries covered, including the respective local market, key clients, local market conditions and the capabilities and practices of our competitors.
• Create and sustain a network of strong partnerships with the business (relationship and product management) and other risk functions
• Support in activities impacting regulatory requirement and credit risk, for example Internal Capital Adequacy Assessment Plan (ICAAP), IFRS9 activities, and other Basel related activities.
• Maintaining and developing own knowledge and understanding of I&M Group credit policies and procedures
• Managing deteriorating credits (including preparation of classified reports and setting of triggers and action plans)
• Using various systems, resources and tools, perform portfolio management tasks including portfolio reporting, rapid portfolio reviews, stress tests and regulatory reporting
• Managing change – identifying new/best practices – implementing such changes, working as a team
• From time to time, undertaking certain ad hoc projects; participating in Fundamental Credit Reviews and Line Reviews; providing training on Risk topics to colleagues

PERSON SPECIFICATIONS

Competencies:

• Excellent analytical and structuring skills - Able to manage large volume deal flow; Proficient analytical skills that are applicable across different industries, products and customer classes. Coach, mentor and lead direct reports to develop team strengths and improve on weaknesses.
• Problem Recognition - Ability to proactively manage risk and identify negative trends.
• Training and Coaching – ability to effectively coach and train direct reports/juniors.
• Macroeconomic and Political Environment - Proactively and transparently adjusts risk appetite for changes in country risk.
• Decision-Making and Approval: Makes decisions (using well-reasoned judgment) under pressure and in a timely manner. Focuses and guides the priorities of others; Incorporates capital and P&L implications into decision-making process;
• Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively

Academic Qualifications

• Undergraduate degree
• Additional risk training/qualification an advantage
• Appropriate Post-Graduate qualification will be an advantage
• Fluent English (read, write and speak)

Purpose:

To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions.

Responsibilities/Duties/Tasks

Reviewing, analyzing, and vetting credit proposals and making recommendations to the approving authorities

• Ensure requisite documentation and checks are done prior to processing of the applications
• Ensure all applications are processed within benchmarked turnaround times
• Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
• Ensure the applications meet the bank policies before recommendation for approvals
• Ensure all control checks required in review of retail applications are done prior to approval or recommendation for approval.
• Employer call back for employee verification for Workplace Banking applications and other products that require this as per process
• Enforcing compliance with the bank's credit policies in daily operations.

Tracking and communication

• Ensure proper tracking and Monitoring of manual logs in application trackers and shared folders.
• Coordinate application movement process between branches and approving authorities.

Branch support with queries

• Guiding/advising branch staff, Relationship staff and DSEs on credit appraisal requirements for the credit products.
• Participate in Training frontline staff on the loan applications process

Portfolio management activities

•  Review requests for Collateral release/substitution, partial liquidation Establishing conduct of existing facilities and obligations of the client and recommend for approval based on the request.
• Review of credit card due for renewals and recommending to the authority for approval.
• Providing feedback for bureau update files

Process Reviews and improvements

• Identifying areas of weakness and risks in credit process, policy improvements and escalation these to team leader
• Continuously review underwriting tools and recommend for improvement

Decision making and accountabilities

• Giving recommendation to the approvers on of credit facilities based on the analysis. Assessing the level of risk that a client presents to the bank and the client’s creditworthiness.
•  Recommending improvements to policy rules and processes
• Vetting and reviewing Credit applications in a timely manner.
• Coordinating the process of movement of proposals and advising credit decisions between branches, approving authorities and customers.
• Providing feedback loop for any issues noted to inform policy decisions

Person Specifications

• Bachelor’s degree plus Professional qualification
• At least 4 to 6 years of work experience
• Knowledge of Retail Banking products
• Excellent communication and interpersonal skills
• Advanced financial risk analysis skills
• Credit risk management skills
• Excellent problem solving and decision-making skills

Purpose:

The purpose of the role is to implement a robust credit management framework within the asset finance Credit Approvals unit. The holder will be responsible for making decisions on asset finance lending proposals as per delegated authority, and in line with the Credit Risk Management policy and the asset finance Product Guideline.

The primary accountabilities will include maintaining a quality asset finance loan portfolio and minimizing potential losses through provisions. The job function will also be expected to establish a conducive work environment that contributes to staff satisfaction with attention to team development and productivity.

Responsibilities/Duties/Tasks

Review and approvals of Retail Credit facilities

• Credit risk assessment and sanctioning of asset finance facilities.
• Decision on those within the Management Delegated Limits and submit the ones above delegated authority to the appropriate approval level with support/necessary comments.
• Manage and ensure that credit proposals and applications submitted comply with the Credit Policy and CBK Prudential Guidelines, ensuring that breaches are identified, mitigated and approvals obtained at appropriate levels.
• Manage and evaluate to understand risks associated with individual transactions, products, securities, and borrowers including the industries they operate within.
• Manage and ensure to provide a high level of service to the internal customer based on accuracy, responsiveness and turnaround time (TAT).
• Regular review of performance indicators (including First Instalment Defaults and Early Indicators) on the asset finance portfolio to identify any causes of concern arising from credit decisions.
• Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio.

Stakeholder and TAT Management

• Adherence to Departmental Service Level Agreements (SLAs)4
• Enhance Customer Experience by achieving set benchmarks in Customer Satisfaction Index (CSI) and Net Promoter Score (NPS)
• Ensuring coordination & collaboration engagements with branch relationship teams, credit documentation, legal and credit administration teams on matters related to lending for Retail Asset Finance segment
• Resolving any complaints within the unit and escalating where required

People Management and Training

• Provide leadership and build a high-performance employee culture
• Competency development through coaching and on-the-job training from identified training needs and capacity gaps.
• Training Credit staff, Management Trainees and Frontline staff on credit appraisal and the general parameters for the asset finance product.
• Performance Management
• Succession Management
• Leave Management
• Employee Retention
• Achieve set employee satisfaction benchmarks in the Employee Engagement Index

Governance and process improvements

• Ensuring proper controls in the origination process to ensure all risks are minimized for the asset finance segment.
• Review of processes within the unit to ensure they support the business aspirations
• Providing feedback loop for any policy rules and areas that may need improvement based on risk identified during credit initiation process.
• Retail Lending systems testing.
• Coordinate the process of movement of applications and advising credit decisions between branches and approving authorities.

Review and Sign off of Credit Facility Contracts and Other Bank documents

• Bank’s Authorized Signatory for various documents prepared for execution as per Delegated Authority.
• Ensuring Credit Facility Contracts & covenant trackers conform to set approved terms and conditions with the same captured consistently in the Loan Origination System (LOS).

Other duties

• Undertake tasks/ projects assigned from time to time including handling other products based on volumes
• Conducting of site/client visits for new clients or existing to check on overall state of operations in a view to mitigate identified risks.

Decision making and accountabilities

DECISIONS/RECOMMEDATIONS MADE UNDER THIS ROLE.

• Approving credit facilities within delegated authority and recommending those above delegated authority has a direct impact on company finances
• Ownership of credit decisions within the team
• Preparing and recommending Credit proposals that need Credit Committee approvals
• Recommending improvements to policy rules and processes
• Execution of facility financial contracts on behalf of the bank ensures customer compliance to approved terms and facilitates covenant tracking to set terms upon acceptance of the approved terms.
• Advises on facility structure, collateral structure and mitigating factors to mitigating credit risk.
• Strategic planning and formulation of an aligned Credit Risk Management Strategy within asset finance.
• Reviewing of underwriting processes for efficiency and recommending changes where required
• Quality credit proposal analysis ensures, faster decisioning on requests presented which in turn ensures customer feedback is provided in the shortest time possible. By adhering to service level agreements, we ensure that customer requests are processed in good time end to end and this translates to efficient service delivery.
• Approval of credit proposals results in preparation of facility contract letters upon whose acceptance by customers results in revenue and conformance to covenants.
• Stakeholder engagement and training facilitates alignment of credit review process across the bank resulting in meeting service level agreements in place.
• Gives suggestions on required process enhancements.
• Engagement with the monitoring and collections teams on covenants, restructures etc.

Person Specifications

• A bachelor’s degree in business management with a bias in Commerce, Accounting, Economics or Finance
• 7 to 9 years of experience performing verification/quality review/work guidance/work allocation
• At least 7 years relevant experience Credit unit of the Bank.
• Excellent knowledge of all Retail and Business Banking products – specialization on Asset Finance
• Ability to write comprehensive reports
• Excellent communication and interpersonal skills
• Strong people-management skills
• Advanced financial risk analysis skills
• Advanced credit risk management skills.
• Excellent problem solving and decision-making skills.
• High level of people management skills

Job Purpose/Summary

The Senior Manager, Projects will be responsible for the strategic leadership, planning, and execution of complex projects and programs. This role ensures that all projects are delivered on time, within scope, and in alignment with business goals. The position also plays a critical role in shaping project governance, driving stakeholder engagement, and fostering continuous improvement within the project management office (PMO).

Responsibilities/Duties/Tasks

Project/Program Delivery

• Define and document project scope, objectives, and key performance indicators (KPIs) in collaboration with stakeholders.
• Lead cross-functional teams to deliver high-impact projects, ensuring alignment with the organization’s business goals and compliance requirements.
• Oversee the execution of project plans, including budgeting, scheduling, resource allocation, and risk management.
• Ensure effective project integration by coordinating with other departments and external vendors to achieve seamless delivery.
• Monitor project performance, employing data-driven insights to optimize project outcomes and ensure efficient resource use.
• Conduct project reviews and lessons-learned sessions to identify improvement areas and implement best practices.

Project Governance & Compliance

• Develop and implement robust project governance frameworks, ensuring that all projects adhere to established standards and regulations.
• Establish project closure protocols, ensuring that financial documentation, regulatory compliance, and project outcomes are properly reviewed and recorded.
• Lead periodic reviews to assess project performance against budget, scope, and timeline, providing regular updates to senior management and steering committees.
• Foster a culture of continuous improvement, ensuring that learnings from project delivery are incorporated into future initiatives.
• Recommend and enforce project risk management strategies, utilizing the Risk, Assumptions, Issues, and Dependencies (RAID) framework to mitigate potential project challenges.

Stakeholder Management

• Build and maintain strong relationships with both internal and external stakeholders, including vendors, partners, and senior leadership, to ensure project buy-in and alignment.
• Collaborate with key stakeholders to identify and prioritize project needs, ensuring their interests are addressed throughout the project lifecycle.
• Proactively communicate project progress, risks, and issues to stakeholders, ensuring transparency and alignment at all stages.
• Facilitate project steering committee meetings and other governance forums, ensuring stakeholders are well-informed of project developments and key decision points.

Decision-Making & Accountability:

• Strategic Decision-Making: Make critical project-related decisions, including vendor selection, resource allocation, and project prioritization.
• Financial Accountability: Responsible for managing project budgets, ensuring cost-efficiency while delivering on project objectives.
• Risk & Issue Resolution: Identify, assess, and mitigate project risks while escalating key issues to senior leadership when necessary.

Qualifications:

• Education: Bachelor’s Degree in Project Management, Business Administration, or related discipline. Master’s degree is a plus.
• Certifications: PMP, PRINCE2, or other relevant project management certifications. Agile or Scrum certification is an advantage.
• Experience: Minimum of 8-10 years of project management experience, with at least 5 years in a senior leadership or strategic role.
• Industry Knowledge: Extensive experience managing large, complex, multi-stakeholder projects, ideally within the financial services, technology, or infrastructure sectors.
• Technical Skills: Proficiency in project management tools (e.g., MS Project, Jira, Asana), budget management software, and risk management frameworks.

Skills & Competencies:

• Leadership: Proven ability to lead, motivate, and manage cross-functional teams to deliver successful projects.
• Strategic Thinking: Ability to align project goals with broader organizational strategy and make decisions that drive long-term value.
• Problem-Solving: Strong analytical skills with the ability to anticipate challenges, devise solutions, and adjust plans accordingly.
• Stakeholder Management: Excellent communication, negotiation, and conflict resolution skills, with the ability to manage multiple stakeholders with competing priorities.
• Risk Management: Strong risk assessment and mitigation capabilities, with experience implementing the RAID framework.
• Adaptability: Ability to thrive in a fast-paced, dynamic environment, managing multiple projects concurrently.

Job Purpose/Summary

The Assistant Manager - PMO will responsible for managing the successful delivery of short- and medium-term projects within the organization, ensuring that business requirements are met through adherence to approved scopes, schedules, and budgets. This role involves coordinating various project management functions including planning, execution, stakeholder management, and process improvement. The Assistant Manager will also guide the definition of business requirements, ensure the effective management of resources, and facilitate timely completion of all project deliverables in collaboration with senior managers and cross-functional teams.

Responsibilities/Duties/Tasks

Project Delivery

• Lead the preparation of project initiation documents and gather approvals from stakeholders.
• Collaborate with technical and business stakeholders to define scope and deliverables for projects.
• Manage procurement processes, including evaluation and selection of vendors, and negotiation of contracts in collaboration with relevant teams.
• Ensure adherence to project management processes and guidelines, driving quality assurance across all deliverables.
• Coordinate the development of test approaches, test cases for user acceptance testing (UAT), and monitor the UAT process.
• Provide visibility and regular communication to project stakeholders on progress, milestones, and potential risks.

Lead Change and Implement Project Governance

• Prepare and ensure proper change documentation, including managing data migration, UAT, and obtaining approvals for changes.
• Oversee post-project transition, ensuring smooth cut-over and service stabilization.
• Facilitate project closure activities, including the preparation of final reports and reviews of lessons learned.

Stakeholder Management

• Engage with various stakeholders, including senior managers and project teams, ensuring alignment and regular communication.
• Manage stakeholder expectations and support project teams in resolving impediments.
• Coordinate with stakeholders on resource allocation and strategic decisions related to project implementation.

Decision-Making & Accountability

• Recommend budget requirements, project scope, and risk mitigation strategies for ongoing and upcoming projects.
• Provide inputs on vendor selection and negotiate contracts.
• Lead reporting and documentation of project decisions, timelines, and budget alignment.
• Proactively address project issues and escalations by working with cross-functional teams.

Qualifications & Skills

• Bachelor’s degree in Project Management, Business Administration, or a related field.
• 8-12 years of experience in project management, with a strong focus on coordinating cross-functional teams and delivering projects on time.
• Certifications in PMP, Agile, or other recognized project management frameworks are preferred.
• Strong organizational skills, with the ability to manage multiple projects simultaneously.
• Proven leadership and stakeholder management skills.

Purpose:

The role will be responsible for selling the bank’s products, meeting customer needs, identifying leads and follow up, building relationships and interacting directly with customers throughout all phases of the sales process.  

Key Responsibilities/Accountabilities

The Incumbent will report to the Team-leader Sales and will be responsible for:

• Marketing and selling of banks products and services to potential customers
• Contacting leads and setting up appointments to present bank products.
• Assisting the clients in completing forms and submitting them for processing to the various branches.
• Attending activations, door to doors and marketing activities that are organised to promote and sell I&M products.
• Compiling regular sales reports specifying the number of sales made on daily, weekly, monthly sales quotas.
• Efficient follow up on leads and consistent communication with customers to curb client complain and maintain customer satisfaction.
• Cross selling to existing clientele

 Person specifications

• Diploma/Degree in a business-related field
• Relevant work experience as a Sales Representative
• Highly motivated and target driven with a proven track record in sales
• Excellent selling, negotiation and strong communication skills
• Prioritizing, time management and organizational skills
• Ability to create and deliver presentations tailored to the audience needs
• Relationship management skills and openness to feedback.
• Ability to deliver excellent customer experience to ensure sustainable organic growth of ETB / NTB customers.

Purpose

The purpose of the job is to engage in conducting credit investigations and collecting delinquent accounts and will communicate all credit related issues to senior management.

• The job requires various initiatives and strategy towards recovery across all types of customers and involving various key stakeholders both external and internal including Receivers/Administrator, Law firms, auctioneers, other business segments, legal, etc.
• Submission of the required reports to the BCC, NPA & CRMC Committees in a timely manner and working on provisions.
• Review and assessment of CBK & IFRS provisions working for NPA account.
• Assessing the level of provisions requirement for all NPA accounts and write offs managed in line with the firm’s policies and procedures including approval.
• Liaise directly with clients, third parties and colleagues in other departments to maximize collections performance whilst also ensuring good client outcomes
• Deal with processing loan workouts, rescheduling and rehabilitation, acceleration of repayments, enforcement and foreclosures, liquidation and administration of assets and collateral and implementation of various forms recovery strategies.
• Ensure satisfactory Internal or External Audit Reports including CBK.
• Monitoring, reviewing and reporting the portfolio performance and ensuring proper asset classification and provisioning for loans and advances as well as the analysis and reporting of the quality of the loan book and arresting negative trends.

Governance and Controls, Compliance, and Risk Management

• Review of Debt Recovery policy
• Submission for third party empanelment and any CBK approval for the same
• Compliance of directives form CRMC. BCC and Board
• Review of CBK and IFRS provisions for all NPA customers.
• Ensure all management reports are submitted accurately and on time.
• Seek process improvements and oversees the unit Risk Control Self Assessments (RCSA) for DRU.

Decisions/Recommendations Made Under This Role.

If the decisions are not proper it will lead to Bank incurring financial loss, reputation risk

• Respond to credit internal and external Audit queries and provide action plans and execute recommended actions.
• Participate in budget development for the loans and loan loss provisions and department initiatives for NPA accounts.
• Assessing and review of suitable recovery measure for all NPA accounts such as restructuring, receivership, administration, sale of assets, etc
• In-depth analysis of cash flows and financial of the company for appraisal as per credit request from customer and recommending suitable way forward to CRMC/ BCC.
• Participate in discussions and decisions in Credit department’s strategies, initiatives, Service Level Agreements designing to achieve the Bank goals set KPIs.

Clients

• Reviewing and recommending and amending the Banks panel of service providers with confirmation from CRMC/BCC, the panels include auctioneers, investigators & debt collectors.
• Review Service level Agreements with the service providers and manage the agreed timelines and processes and quality of work.
• Regular Site visit and discussion with the customers.
• Witness on various legal cases on behalf of the Bank
• Provision of various responses to Administrator or other stakeholders.

Skills and Competencies

• Judgement to balance commercial debt recovery and compliance risks to achieve positive outcomes
• Advanced credit, financial analysis banking and good knowledge of prudential guidelines
• Good understanding of legal risks and laws applicable to Banking and Finance relating to lending and credits documentation.
• Excellent communication and leadership skills with an ability to influence at all levels
• Excellent organizational skills
• Decision making and problem solving
• Have a good network in the banking industry and industry knowledge

Purpose

The job holder is responsible for the overall management of the Branch operations to achieve and maintain good customer relations, operational efficiency and compliance with operational guidelines and procedures.

We are looking for (5) resources to fill up vacancies in Kilifi, Malindi-Coast Region, and Busia-Western Region, Kenol (Muranga), and Kericho - Rift Valley.

Primary Responsibilities

• Conduct daily, weekly and monthly review of operations reports to ensure exceptions are acted upon or escalated within acceptable time frames. 
• Approve new accounts in line with KYC procedures.
• Ensure correct and accurate completion of all customer instructions and approve them for processing at central operations.
• Manage operational risk and ensuring compliance with controls.
• Implement audit recommendations pertaining to all the departments under the Branch operation’s jurisdiction.
• Review and/or monitor transactions i.e. withdrawals, deposits, transfers and ensuring that any money laundering and fraudulent activities are identified.
• Proactively monitor accounts to avoid excesses and reviewing overdrawn savings accounts and non-borrowing current accounts, in addition to following up with customers as per the prescribed procedure guidelines.
• Review Inter Branch transactions report and ensure that the entries initiated by other Branches are bona fide and all outstanding items are reconciled and applied accordingly.
• Review suspense GL Accounts; Holdover and Transit GL accounts on a regular basis to ensure that entry items are reversed within acceptable time frames.
• Ensure availability of all service delivery channels to ensure customers are kept fully attended to and that expectations are met.
• Supervise front office and Back-office operations to ensure quick turnaround time on service delivery.
• Manage efficient, timely and accurate processing of customer enquiries and complaints.
• Cross-sell the Bank’s products and services.
• Ensure general maintenance of equipment and furniture at Branch level.

Person Specifications

• Bachelor’s degree in a Business-related field from a recognized institution.
• At least 5 years relevant experience.
• CPA (K), ACCA or its equivalent.
• Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.
• Excellent communication and interpersonal skills.
• Excellent problem solving and decision-making skills.
• Excellent change management and people management skills.