JOB PURPOSE

The Regional Manager is responsible for overseeing the performance and operations of the assigned region, driving sales, managing portfolios, leading teams, fostering relationships with key stakeholders, and ensuring compliance with lending guidelines and regional objectives. The Regional Manager acts as a strategic link between regional operations and the head office to achieve overall business growth and sustainability.

KEY RESPONSIBILITIES 

• Regional Business Development
• Portfolio Management
• Stakeholder Engagement
• Customer Relationship Management
• Team Leadership and Management

Regional Business Development

• Develop and implement strategies to drive business growth in the assigned region.
• Identify and secure partnerships with employers, institutions, and other stakeholders to expand the client base.
• Conduct market analysis to identify opportunities, trends, and competitor activities within the region.
• Collaborate with product development teams to tailor offerings to meet regional client needs.
• Lead regional campaigns and promotional activities to enhance product visibility.

Portfolio Management

• Monitor the regional portfolio to ensure optimal performance and adherence to risk management guidelines.
• Analyze portfolio performance data, identifying trends and areas requiring intervention.
• Collaborate with credit and collections teams to manage default risks and maintain a healthy portfolio.
• Prepare and present detailed performance reports to senior management.

Stakeholder Engagement

• Build and maintain relationships with regional partners, including employers and other institutional stakeholders.
• Represent the organization at regional forums, negotiations, and stakeholder meetings.
• Foster collaborative relationships with partners to ensure seamless operations.

Customer Relationship Management

• Oversee the delivery of exceptional customer service within the region.
• Resolve escalated client issues and concerns promptly to maintain satisfaction.
• Develop and implement customer retention strategies to build long-term relationships.

Team Leadership & Management

• With the support of the HR Business Partner, the regional Manager has the ultimate responsibility for the Human Resource Management of the team and consults with HR on clarity and interpretation of the HR policy.
• Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes and contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
• Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
• Contributes to the flow of staff communications, by leading regular staff meetings – morning huddles and weekly progress meetings.
• Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
• Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
• Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
• Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least eight (8) years’ experience in banking or financial services, with at least five (5) years in a leadership role.
• Proven track record of managing regional operations, portfolios, and stakeholder relationships.
• Experience in business development and team leadership.

SKILLS & COMPETENCIES

• Excellent leadership, interpersonal & team management skills;
• In-depth knowledge of credit risk management and business growth strategies;
• Strategic thinker with good commercial acumen and ability to identify economic opportunities in changing environment and capitalize on them;
• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)
• Certifications in Banking, Credit Management, or Leadership are an added advantage.

JOB PURPOSE

The Relationship Officer Mortgages is responsible for providing operational and administrative support to the mortgage team. The role ensures seamless processing, compliance, and efficient documentation of mortgage applications, disbursements, and portfolio management. The administrator also acts as a liaison between the bank, clients, and external stakeholders to maintain high service standards.

KEY RESPONSIBILITIES 

• Mortgage Application Processing
• Loan Disbursement
• Documentation and Records Management
• Customer Support & Stakeholder Coordination
• Compliance and Reporting
• Personal Leadership & Development

Mortgage Application Processing

• Review mortgage application documents for completeness and accuracy.
• Input client and loan information into the core banking system.
• Liaise with clients to address any missing or incomplete documentation.
• Coordinate with credit analysts and valuation teams for timely application processing.

Loan Disbursement

• Prepare and verify loan disbursement documentation.
• Ensure all approvals are in place before disbursement.
• Coordinate with the legal department to finalize property charges and securities.

Documentation and Records Management

• Maintain accurate and organized client files, ensuring compliance with data protection regulations.
• Update client records in the banking system to reflect loan status and changes.
• Ensure all documentation complies with CBK prudential guidelines and internal policies.

Customer Support

• Act as the first point of contact for client inquiries regarding mortgage applications.
• Provide clients with updates on application status and disbursements.
• Resolve minor issues or escalate complex matters to the Mortgage Specialist.

Compliance and Reporting

• Conduct routine checks to ensure mortgage files meet compliance standards.
• Prepare monthly portfolio performance reports for internal use.
• Monitor repayment schedules and alert clients on upcoming due dates.
• Liaise with property valuers, legal advisors, and insurance companies to ensure smooth processing.
• Coordinate with branches to address client concerns and enhance service delivery.

Personal Leadership & Development

• Manage self by showing drive and motivation, an ability to self-reflect and a commitment to learning.
• Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect.
• Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT).
• Work Collaboratively Collaborate with others and value their contribution.
• Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes.
• Think and solve problems, analyze and consider the broader context to develop practical.
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Live the brand values as a Sidian Bank brand ambassador and always project the right image of the bank to both staff and customers.

DECISION MAKING AUTHORITY

• Verify the completeness of mortgage application files.
• Recommend applications for review or additional documentation.
• Escalate compliance or risk concerns to senior team members.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Diploma in Banking, Business Administration, or a related field (an added advantage).

WORK EXPERIENCE

• A minimum of three (3) years experience in Mortgage administrationion and operations within a banking or financial services.
• Good experience in Relationship Management.

SKILLS & COMPETENCIES

• Excellent organizational and time management skills.
• Attention to detail and accuracy in documentation.
• Good knowledge of Bank Products & Services
• Good knowledge of Banking operations, Risk and Compliance
• Highly analytical and ability to challenge status quo based on quantitative facts and impacts
• Ability to develop periodical and adhoc reports
• Good Communication skills – oral and written

PROFESSIONAL CERTIFICATION

• Certifications in Banking Operations or Compliance are an added advantage.

JOB PURPOSE

The Relationship Manager Mortgage is responsible for driving the growth and management of the mortgage portfolio. This includes developing and marketing mortgage products, onboarding new clients, managing relationships, and ensuring compliance with lending guidelines. The role also involves providing technical support to internal teams and clients to maximize business opportunities and ensure alignment with organizational objectives.

KEY RESPONSIBILITIES 

• Business Development
• Portfolio Management & Market Intelligence
• Customer Support
• Training & Capacity Building
• Personal Leadership & Development

Business Development

• Actively market and promote the bank’s mortgage products to prospective and existing clients.
• Identify and onboard new mortgage customers, ensuring a growing and sustainable portfolio.
• Develop and maintain relationships with key partners, such as real estate developers, property valuers, and financial advisors, to drive referrals.
• Conduct market research to understand customer needs, industry trends, and competitor offerings.
• Design and implement tailored solutions for clients, ensuring alignment with their financial goals.
• Cross-sell complementary bank products and services to enhance client value.

Portfolio Management

• Monitor the performance of the mortgage portfolio to ensure alignment with organizational targets.
• Conduct regular client reviews to assess financial needs and adjust solutions accordingly.
• Manage delinquency rates through proactive client engagement and monitoring.
• Provide timely and accurate portfolio performance reports to management.

Customer Support

• Guide clients through the mortgage application process, from pre-qualification to disbursement.
• Ensure all clients receive professional advice on mortgage financing, including interest rates, repayment schedules, and associated costs.
• Respond promptly to customer inquiries and provide solutions to any issues arising during the mortgage journey.

Training & Capacity Building

• Train branch staff on mortgage products, processes, and customer engagement techniques.
• Provide technical support to internal teams to enhance service delivery and sales effectiveness.

Personal Leadership & Development

• Manage self by showing drive and motivation, an ability to self-reflect and a commitment to learning.
• Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect.
• Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT).
• Work Collaboratively Collaborate with others and value their contribution.
• Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes.
• Think and solve problems, analyze and consider the broader context to develop practical.
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Live the brand values as a Sidian Bank brand ambassador and always project the right image of the bank to both staff and customers.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree in Strategic Management or similar field will be an added advantage.

WORK EXPERIENCE

• Minimum of five (5) years of experience in banking, with at least three (3) years in mortgage or relationship management.
• Proven track record in developing and managing mortgage products and portfolios.
• Strong experience working with real estate developers and property professionals.

SKILLS & COMPETENCIES

• In-depth knowledge of mortgage financing, property markets, and valuation processes.
• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis and credit assessment skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)
• Professional certifications in Risk Management, Credit Analysis, or AML Compliance are a plus.
• Real Estate Financing (added advantage).

JOB PURPOSE

The Relationship Manager – Water and Sanitation is responsible for driving business growth through developing partnerships within the water and sanitation sector. The role involves onboarding new partners, managing existing partnerships, and ensuring the performance of the water and sanitation loan portfolio. The job holder will also provide technical advice and capacity building to internal teams and branch networks to maximize business opportunities and achieve organizational goals.

KEY RESPONSIBILITIES 

• Business Development
• Monitoring and Reporting
• Market Intelligence
• Personal Leadership & Development

Business Development

• Identify, onboard, and manage new clients within the water and sanitation sector to expand business opportunities.
• Actively market WASH products and cross-sell at least five complementary products to clients.
• Conduct market research and competitor analysis to identify emerging opportunities in the water and sanitation industry.
• Enhance profitability of client relationships by promoting new products and value-added services.
• Maintain a detailed understanding of clients’ business models, financial projections, and specific needs.

Monitoring and Reporting

• Monitor the performance of WASH portfolio to ensure alignment with lending terms and organizational objectives.
• Provide regular performance updates, including detailed reports, to guide strategic decision-making.
• Support Monitoring & Evaluation (M&E) processes through accurate and timely data collection.

Market Intelligence

• Identify capacity-building needs for partners and recommend appropriate support mechanisms.
• Conduct training sessions for branch staff on water and sanitation partnership products and processes.
• Keep abreast of regulatory and industry developments in the water and sanitation sector to ensure compliance and alignment with best practices.

 Personal Leadership & Development

• Manage self by showing drive and motivation, an ability to self-reflect and a commitment to learning.
• Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect.
• Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT).
• Work Collaboratively Collaborate with others and value their contribution.
• Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes.
• Think and solve problems, analyze and consider the broader context to develop practical.
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
• Live the brand values as a Sidian Bank brand ambassador and always project the right image of the bank to both staff and customers.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree in Strategic Management or similar field (added advantage).

WORK EXPERIENCE

• Minimum of seven (7) years of experience in banking, with at least five (5) years in relationship management.
• Proven experience of at least three (3) years working with partnerships or projects in the water and sanitation sector.
• Strong track record in business development and portfolio management within SME or business banking.

SKILLS & COMPETENCIES

• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)
• Professional certifications in Risk Management, Credit Analysis, or AML Compliance are a plus.

JOB PURPOSE

The Sales Manager – Scheme Loans is responsible for driving the growth and management of the scheme loans portfolio by developing and marketing products, onboarding new clients, managing stakeholder relationships, and ensuring compliance with lending guidelines. This role includes providing technical support to internal teams and clients to maximize opportunities and align with the bank’s strategic objectives.

KEY RESPONSIBILITIES 

• Business Development
• Portfolio Management
• Stakeholder Engagement
• Customer Support
• Risk & Compliance
• Training & Capacity Building
• Personal Leadership & Development

Business Development

• Actively promote the bank’s scheme loan products to employees of partner organizations and institutions.
• Identify, develop, and maintain partnerships with employers, unions, and other stakeholders to generate leads and ensure a robust pipeline of scheme loans.
• Conduct market research to assess customer needs, market trends, and competitor products.
• Design tailored financial solutions for clients, ensuring alignment with their financial goals and repayment capacity.
• Cross-sell additional banking products and services to scheme loan clients.

Portfolio Management

• Monitor the scheme loans portfolio to ensure alignment with organizational goals and regulatory requirements.
• Conduct regular reviews of client accounts to ensure timely payments and proactively identify risks.
• Provide periodic portfolio performance reports to management, including recommendations for action.
• Collaborate with collections teams to manage default risks and ensure healthy loan performance.

Stakeholder Engagement

• Build and maintain relationships with partner organizations to strengthen collaboration and ensure smooth loan application processes.
• Engage with Human Resource teams in partner organizations to facilitate payroll-based loan deductions.
• Represent the bank in negotiations and discussions to expand the reach of scheme loan products.

Customer Support

• Guide clients through the loan application process, from pre-qualification to disbursement.
• Offer advisory services on loan terms, repayment schedules, and associated costs.
• Resolve customer inquiries and concerns promptly and effectively to maintain high satisfaction levels.

Training & Capacity Building

• Conduct training sessions for branch and partnership staff on scheme loan products and processes.
• Provide ongoing technical support to internal teams to enhance service delivery and sales performance.

Personal Leadership & Development

• Manage self by showing drive and motivation, an ability to self-reflect and a commitment to learning.
• Communicate effectively communicate clearly, actively listen to others, and respond with understanding and respect.
• Commit to Customer Service: provide, customer-focused services in line with banking sector and organizational objectives – adherence to the bank customer service charter and ensure personal accountability so as to meet the laid down Service Level Agreements (SLA) and work within stipulated Turn Around Time (TAT).
• Work Collaboratively Collaborate with others and value their contribution.
• Deliver Results Achieve results through the efficient use of resources and a commitment to quality outcomes.
• Think and solve problems, analyze and consider the broader context to develop practical.
• Keeping abreast with staff communications, attending staff meetings – morning huddles and weekly progress meetings.
• Responsible for own career within the bank and preparing an annual Personal Development Plan (PDP) and ensuring its actualization.
• Adherence to the banks policies and procedures, dress code, code of conduct, HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.

ACADEMIC BACKGROUND

• University degree or above in a relevant business discipline e.g. business administration or finance.
• Master’s degree will be an added advantage.

WORK EXPERIENCE

• At least eight (8) years’ experience in banking.
• Proven track record in developing and managing loan portfolios, preferably in scheme loans or payroll-based lending.

SKILLS & COMPETENCIES

• Strong knowledge of payroll-based lending and loan product management.
• Excellent communication and interpersonal skills;
• Excellent Business Presentation skills;
• Good financial analysis skills;
• Excellent problem solving and decision-making skills;
• Knowledgeable in credit, legal (conveyancing) and lending knowledge;
• Knowledge of banking processes and Banking Law;
• Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
• Strong negotiation and networking skills;
• Good performance track record in business development;

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (added advantage)
• Certifications in Credit Analysis, Risk Management, or Lending are an advantage.