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

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