Job Purpose

• Reporting to the Head of Retail & SME, the Branch Manager will be responsible for running an effective and efficient branch leading to higher profitability and growth in line with the Bank’s strategy, higher staff engagement and high levels of customer satisfaction.

Key Responsibilities

• Implement the Bank’s strategy at branch level in terms of growth in customer base with concurrent growth in branch liabilities and assets.
• Oversee customer service delivery, maintenance and improvement of Retail Banking service standards in order to ensure customer satisfaction and retention.
• Formulate and implement branch business plans, forecasts and budgets and ensure their control and periodic reviews.
• Provide guidance and leadership to staff and be responsible for their training and development.
• Manage the performance of staff to ensure delivery of set targets through diligent performance management.
• Implement and monitor the operational risk management guidelines for the branch.
• Support marketing initiatives and monitor and provide regular feedback on products performance.
• Maintain the look, feel and physical security of the branch premises as well as staff and customers.

Qualifications and Competencies

• Holder of bachelor’s degree in a business related field from a recognized university.
• Possession of professional banking qualifications such as AKIB and/or CPA (K) will be added advantage.
• At least 7 years’ experience in general banking, 3 of which should have been in branch management.
• Should have experience in Credit Analysis and administration.
• Should have thorough knowledge and understanding of the banking industry.
• Should have excellent inter-personal, communication and negotiation skills with the ability to network and develop strong business relations.
• Should have strong leadership and people management skills with demonstrated competencies in championing high performance management.
• Should have excellent planning, organization, problem solving and analytical skills

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Job Purpose

• Reporting to the Manager, Credit Analysis, the Project Analyst will be responsible for analysis of construction loans and other project related loan applications as well as support on going projects to ensure that the Bank’s interest is upheld and projects are seamlessly executed for mutual benefit of the Bank and customers.

Key responsibilities and accountabilities

• Analyze feasibility studies, credit data and financial statements to determine the degree of risk involved in extending credit.
• Administer mortgage, monitor implementation and review various reports including appraisals, environmental documentation, and engineering reports to determine compliance with investor requirements of projects financed by the Bank to ensure successful completion of the same.
• Ensure compliance of all lending procedures as stipulated in the credit policy manual, monitoring various financing products advanced to ensure compliance in relation to their satisfactory conduct ensuring all post approval activities, including conditions precedent to disbursement, are accurate and complete.
• Provide technical support to the branch credit staff and clients on credit/ mortgage related issues.
• Hold meetings with clients, consultants to address issues on proposed construction projects.
• Conduct periodical site visits to asses projects and hold discussion with concerned parties together with the project managers;
• Consult with customers to resolve complaints and verify financial and credit transactions.
• Conduct market intelligence researches and preparation of reports for presentation to the
• Credit Committee on the Real Estate sector and make recommendations for adaptation.
• Participate in the preparation of Board Papers for presentation to the Board Credit
• Committee and Management Papers and reports for presentation to the Management Credit Committee.
• Liaise with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses, verify financial and credit transactions.

Qualifications and Competencies

• Should be a holder of bachelor’s degree in Construction, Engineering or a related field.
• Should possess professional qualification in Project Management or a related field.
• Should be a member of a relevant professional body.
• Should have at least four years’ experience in Construction or Project Management.
• Should possess excellent credit and financial analysis skills.
• Should have excellent communication, report writing and presentation skills.
• Should have great interpersonal skills, good customer service orientation and commercial awareness.

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