I&M Bank is a wholly owned subsidiary of I&M Holdings Limited, a publicly quoted company at the Nairobi Securities Exchange (NSE). The bank possesses a rich heritage in banking.

Purpose

The role is responsible for effectively growing the portfolio by working on strategies to acquire new customers, retain and expand through cross selling the relationship with existing customers. Performance indicators include growth in loan assets, total deposits, Total Net Revenue, CASA, Management of asset quality, New to Bank revenue, nil operational loses and enhanced customer satisfaction / experience.

Primary Responsibilities

• Market new business in both assets and liabilities for the branch.
• Market alternative products such as credit cards, prepaid cards, Internet banking, mobile banking etc. as well as Bancassurance products.
• Monitor accounts and follow up for repayments and remedial action where accounts may become delinquent.
• Initiate the process of securities perfection, obtaining necessary documents, initial vetting of document, and process follow through to ensure securities are perfected in a timely manner.
• Review credit applications, daily overrides and call reports and make appropriate recommendations to the approving authorities.
• Process ad-hoc/additional/new requests/complaints/excesses and obtaining approvals where/when required.
• Provide feedback to customers in reply to their requests and requirements in a timely manner.
• Follow up with customers to ensure compliance with sanctioned terms and conditions with respect to account operations and provision of all requisite documents and covenants.
• Comply with audit observations and initiate necessary action and follow up with clients.
• Provide feedback to Senior Management on customer requirements/ market trends/product development to suit the needs of the customers.
• Ensure quality service delivery within prescribed TATs to ensure customer satisfaction and business retention or growth.
• Mentor and manage the entire Branch team.
• Approve large RTGS, TT, Fixed deposit initiations as required.
• Provide oversight of Branch operations duties and actions.

Person Specifications

• Master’s degree in Business Administration or its equivalent from a recognized institution will be an added advantage.
• Bachelor’s degree in Commerce, Management or Accounting from a recognized institution.
• At least 5 years relevant experience.
• Member of Associate of Kenya Institute of Bankers (AKIB) or its equivalent professional body.
• Excellent communication and interpersonal skills.
• Strong people management skills.
• Excellent problem solving and decision-making skills.