Key Roles and Responsibilities:

Business Development

• Mapping and scoping the business opportunity within the Sacco environs, including profiling the business activities within the locality of the Sacco to identify potential business opportunities
• Packaging the right customer proposition in liaison with marketing & business development manager and other segment Heads
• Building understanding of the dynamics of the business community in the locality of the sacco as well as effective networks for business mobilization
• Compilation of a pipeline call list of potential customers to join the Sacco
• Customer calls to set up meetings with the potential customers with a view to establishing new sales opportunities for holistic solutions to the customers
• Ensure timely loan appraisals within set time limits and communicating feedback to members within acceptable timelines.
• Ensure timely and effective loan approval process within set limits, by presenting appraised loans for approval and approving the same in the system.
• Ensure timely and accurate disbursement of approved loans
• Ensure all loans forms processed, rejected, and deferred are kept safely and in member files
• In Liaison with the Credit team in the HQ, monitor all collaterals used as for loans and ensure they are adequate and well updated.
• Ensure effective communication and advise to members on loan matters/queries.

Operations

• Manage operational activities at the branch including resourcefulness of the staff
• Reconciliations of all branch accounts.
• Produce reports of monthly branch operations
• Ensure Processing of internal and external standing orders are properly done
• Through the FOSA Manager, make cash requisition from the bank as per demands and previous trends
• Verify the accuracy of the treasury cash movement throughout the Sacco
• Ensuring proper daily updating of the treasury register
• Ensure proper Handling of members’ enquiries and issues at the branch
• Champion loan recovery activities to ensure the branch meets its loan recoveries objectives in liaison with the Sacco Recoveries officer

Requirements

Qualifications

• Bachelor’s degree in a business-related course.(Banking/Commerce/Finance/Accounting, etc)
• Membership in a professional body is desirable.
• A minimum of 5 years of working experience in a financial institution (3 years must be at supervisory or management level).
• Sound knowledge of Banking and Sacco laws and regulations.

Essential Skills and Key Attributes

• A person of integrity, a team player with effective communication skills.
• Strategic thinker with good commercial judgment and the ability to identify economic opportunities in changing environments and capitalize on them.
• Sound judgment and decision-making ability on lending across all sectors.
• Conversant with current trends in consumer banking with a strong commercial orientation.
• Customer-focused – striking a solid balance between external and internal customer orientation.
• Excellent leadership, interpersonal, and team management skills.

Functional Skills:

• Checking things
• Adopting practical approaches
• Meeting timescales
• Managing tasks
• Attention to details

Behavioural Competencies/Attributes:

• Upholding standards
• Interacting with people
• Team working
• Practice integrity and objectivity
• Inviting feedback