Career Opportunities at SMEP Microfinance Bank

Responsible for business development through marketing and recruiting of customers, processing and disbursement of loans and ensure timely collection of the same to ensure healthy portfolio and a happy and satisfied customer base.

KEY DUTIES AND RESPONSIBILITIES

• Responsible for Marketing of Banks products and services
• Actively drive growth in customer numbers and ensure full adherence to the customer on-boarding Policies and Procedures
• Facilitate recruitment and registration of clients in existing and new groups.
• Stimulate client training on SMEP policies, procedures and basic business skills, loans, business,e.t.c.
• Ensure that all clients contribute weekly savings and repay their loans on time.
• Responsible to evaluate clients’ businesses and determine whether they are worth the amount applied for
• Responsible for client evaluations and loan processing.
• Responsible for maintaining a quality asset portfolio as per the Banks requirements.
• Responsible for preparation and submissions of timely daily, weekly, monthly and quarterly reports as per the Banks’ requirements to the respective Office Holders.
• Responsible for recording, verifying and assessing the chattels offered for loans with assistance of the Branch Manager
• Ensure follow-up of defaulters and collection of arrears
• Responsible for record keeping for all clients e.g. savings, loan status etc.
• Ensure client retention through excellent customer service .

QUALIFICATIONS AND COMPETENCIES:

• A minimum grade of C+ (plus) in KCSE
• An undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized institution.
• Knowledge in Sales and Marketing, credit risk management, credit lending, as well as relevant experience in the Banking sector will be an added advantage.
• Proficiency in computers is mandatory.
• Ability to analyze and interpret financial statements
• Clear understanding of microfinance/banking industry is an added advantage.
• Good interpersonal & communication skills with excellent customer service.
• A team player with the drive to improve performance.
• Persuasive with strong recognition skills.
• Self-driven and possess the ability to work with minimum supervision.
• Ability to work independently under minimum supervision.
• Strong Christian values, commitment and passion for the transformation of the population.
• Aged between 26 and 35 years

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The job holder will be responsible for processing customer instructions relating to Cash, Cheque and Digital Banking Channels transactions, growth of Non-funded income and ensuring compliance to Operational processes and procedures. They will also champion the delivery of excellent customer experience within the unit.

KEY DUTIES AND RESPONSIBILITIES

• Actively drive growth in customer numbers and ensure full adherence to the customer on-boarding Policies and Procedures.
• Cash handling & cheque processing and ensuring accurate update of the various transactions on the T24 core banking system.
• Ensuring sufficient controls in cash management both for the tills and vault as well as transactions processing.
• Ensure that all items cashed are within laid-down limits and refer all transactions exceeding limits to the appropriate area for authorization.
• Adequate cash stock management with buying and selling from the vault as appropriate.
• Ensure strong adherence to anti money laundering (AML) and know your customer (KYC) policy guidelines.
• Compliance to policies, procedures and regulations ensuring that all processed performed are within the banks policies and procedures.
• Analyze and reconcile daily transactions (360 degrees view) ensuring exceptions are addressed.
• Ensure maintenance of proper records and control of all relevant registers and files
• To identify and report suspicious transactions to the AML Officer on a timely basis.
• Drive account utilization and uptake of banks products through cross selling. Maintain a high level of customer satisfaction that grows the business through referrals and repeat business.
• Handle with accuracy both incoming and outgoing customer telephone correspondence.
• Support in rollout and grow utilization of the digital banking channels.
• Maintain SLA in processing customers’ instructions relating to all banks processes.

QUALIFICATIONS AND COMPETENCIES:

• A minimum grade of C+ (plus) in KCSE
• An undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized institution.
• Knowledge in Relationship Management, Project Management, Process Reengineering, Digital Channels Management as well as relevant experience in the Banking sector will be an added advantage.
• Good customer service skills
• Proficiency in ICT with good data entry skills is mandatory .
• Ability to analyze and interpret both customers’ and financial statements.
• Clear understanding of microfinance/banking industry is an added advantage.
• Possess good risk management skills.
• Good interpersonal & communication skills with excellent customer service skills.
• A team player with the drive to improve performance.
• Self-driven and possess the ability to work with minimum supervision.
• Ability to work independently under minimum supervision.
• Strong Christian values, commitment, and passion for the transformation of the population.
• Aged between 24 and 30 years