Overall Job Purpose

The Head of Micro & Small Business will be the principal contact between a designated portfolio of small enterprises in order to drive business, manage sector profitability growth and maximize revenue. He/she will be responsible for the management of Client relationships to deliver products and services.He/she will be responsible for understanding the needs of his/her clients and developing tailored solutions to meet these needs using the Bank’s suite of products and services targeted to the segment.The role holder will also be responsible for managing his/her clients across the financing cycle, ensuring compliance with the Bank’s internal policies, regulatory guidelines.

Principle Accountabilities

• Responsible for developing a detailed strategy that would enable him/her grow and maintain a customer portfolio that will ensure the delivery of the business targets in accordance with the Department’s annual performance plans.
• Support the drive of growth and opportunities in the assigned sectors.
• The Manager shall manage a portfolio of small enterprises banking customers, with accountability for sales, service, risk and operational delivery and acquisition of new to bank customers.
• The Manager is responsible for effectively executing all the agreed business development and growth strategies in accordance with the long, medium- and short-term plans of the Bank and as set by the Head of SME And Commercial Banking. This will be done through active portfolio management and development by maintaining & growing existing income sources and meeting set targets for new business.
• Responsible for building a high-quality portfolio by effectively managing clients across the entire financing cycle.
• Deliver a high-quality service by owning customer engagement, striving for excellence in all interactions with (prospective) customer or other professionals, and always acting according to the highest professional standards.
• Ensure that client plans are co-ordinated and the respective support teams are in place with Critical Account objectives accepted, where applicable.
• Take a proactive approach to client planning across the portfolio collaborating with product partners and senior management, as appropriate.
• Establish an effective working relationship with the Risk Management teams, in order to validate the accuracy of the customer risk profile.
• Ensure early identification of problem relationships and take action where there are potential and existing problem accounts to protect HFC interests.
• Conduct review of the sector performance, addressing key mitigants and growth opportunities in the market.
• Conduct consistent monitoring of deals to prevent defaults on client’s payment, alterations in the client’s business, and to be aware of forthcoming client’s financial needs.
• To continuously be reassessing risks associated with the sector the client is in and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings
• Contact the client immediately (meeting him/her in person if required) in the event of non-payment of a facility installment, and, if not resolved, take subsequent actions to recover credit in arrears according to Bank procedures.
• Monitor facility accounts in arrears and work with the relevant Bank staff to reduce the portfolio at risk, and work with the Collections Unit to develop and implement recovery processes.
• Responsible for ensuring that his/her assigned portfolio complies with Bank policies.

Minimum Qualifications, Knowledge and Experience

• A Business related degree from an accredited university preferably with a major in Finance, Marketing and/or Economics;
• At least five (5) years’ experience in banking, with proven experience of at least two (2) years in a similar position or at least 3 years banking experience and sales/marketing background, where he/she managed a portfolio of SME or Commercial/Corporate Banking clients.
• Experience managing borrowing customers and analyzing financing proposals, especially for SME.

Key Competencies and Skills

•  Selling skills
• Analytical skills
• Negotiation skills
• Supervisory skills
• IT Skills
• Report writing
• Communication skills
• Product knowledge 
• Team Work
• Listening skills,
• Decision making skills
• Accountability
• Relating & networking skills
• Business acumen,
• Delivering results and meeting customer expectations
• Verbal & written communication.

Closing: 15 August 2022

Overall Job Purpose

The Branch Business Consultant - SME will be responsible for selling Liabilities and Assets  in order to grow the Branch Business.

Principle Accountabilities

• Cross selling of HFC Banks products by establishing new relationships in order to grow both assets and liabilities book.
• Maintaining customer relation by regular contact to ensure customer satisfaction business continuity
• To review accounting opening forms and loan applications by scrutinizing the documents to ensure they are KYC Compliant.
• To check data entry by verifying the data captured against source documents to ensure accuracy in data capture.
• To analyze mortgage loan applications by interviewing the customers.
• To identify customers borrowing needs by interviewing so as to ensure selling of the right mortgage product.
• To safeguard bank assets by being a dual custodian to minimize frauds and losses

Minimum Qualifications, Knowledge and Experience

• A Business related degree
• 3 years in Banking Industry

Key Competencies and Skills

• Excellent selling skills and negotiation skills
• Good analytical skills
• Good communication skills and Product knowledge 
• Must have integrity 

Closing: 15 August 2022

Overall Job Purpose

The General Manager - Diaspora Banking will be responsible for growing the Diaspora Banking balance sheet and revenue by marketing and selling Personal banking products to existing and potential Diaspora customers. The role holder will also provide personalized, prompt and efficient customer services to these customers whilst managing and controlling the operations of their accounts.

Principle Accountabilities

• Achieve the set monthly and annual sales targets across all KPIs for this segment.
• Prospect, anticipate and close all sales leads in an efficient way.
• Develop a clear aggressive sales pipeline for both existing and potential customers.
• Prospecting and recruiting new customers for the various personal banking products, understanding their needs and requirements.
• Identifying customer needs not met by existing products and the implementation of new products and services.
• Utilize the existing systems to support customer acquisition, retention and maximizing on every relationship.
• Perform customer onboarding activities and retention activities as per approved engagement plans.
• Manage all escalations related to diaspora unit.
• Ensure customers are well supported on digital channels to boost uptake t o promote utilization.
• Ensure first contact resolution for all queries directed to your attention.
• Attend to daily portfolio management activities and excesses requests
• Ensure compliance with operations risk requirements
• Close gaps/lapses identified; take corrective and preventative actions identified by audit, risk and compliance reviews; investigations or other assessment  mechanisms within the agreed time frame.
• Proactive management of NPL for assigned portfolio.
• Achieve satisfactory audit rating for the Diaspora Banking Proposition ensuring prompt thorough closure of all audit exceptions sited.
• 100% adherence to policies, procedures and statutory guidelines. Minimize exposure to bank wide risks; enforce zero tolerance to non-compliance with KYC and AML regulations.
• Present reports that facilitate informed and sound decision-making. Trends, insights and concerns with recommendations clearly elaborated.
• Proactively manage own and team learning and development.
• Deliver performance objectives set. Institute immediate corrective action where performance is below par.
• Adhere to annual leave plan agreed with line manager.
• Adhere to HR policies.
• Championing team training

Minimum Qualifications, Knowledge and Experience

• A business related degree from a reputable institution, Masters’ degree is an added advantage.
• Professional qualifications- AKIB/ CPA/ACCA.
• At least 10 years banking experience- 3 of which should be at Senior Relationship Manager Level.
• Conversant with Microsoft Office packages.
• Strong appreciation of banking operations, corporate, treasury, retail and transaction banking.

Key Competencies and Skills

• Uses data to make better and faster decisions. Takes actions based on analytics and intelligence that provide near-real-time insights into the customer’s needs and behaviors.
• Anticipates the customer’s needs and devises innovative ways to address them.
• Makes informed decisions, solves problems and/or generate new ideas/solutions.
• Shares and inculcates proven solutions and customer engagement strategies within the organizations.
• Individual contributor –exercises self-leadership delivering assigned work in line with professional and technical standards within given time frames. Is reliable and works collaboratively.
• Has the cognitive intelligence to draw together contrasting strands of information and present a compelling proposition
• Adheres to the company’s values and policies and delivers to set objectives
• Shares insights on industry trends; identifies opportunities that can be exploited and highlights concerns to be avoided / mitigated against.
• Working knowledge of the legal and regulatory framework and policies related to lending and the types of credit facilities offered.
• Proficient in due diligence and pre-approval & verification procedures.

Closing: 5 August 2022