Purpose of Job.


The Administrative Assistant will be responsible organizing and coordinating general administrative issues as per the SACCO policies.


Reports to : Chief Executive Officer

Duties and Responsibilities


Scheduling and calendar management – coordinating meetings and events, and organizing travel and training schedules.
Communication management – handling phone... calls, emails, and other correspondence; acting as a liaison between staff and clients.
Document management – drafting letters, reports, presentations, and other business documents.
Filing and data entry – maintaining organized physical and electronic filing systems.
Office operations – ordering stationery, water, other refreshments for staff and visitors, and other office supplies; managing inventory.
Reception duties – receiving visitors, directing them appropriately, and responding to inquiries.
Guide and supervise outsourced support staff.
Manage cleanliness of the offices.
Any other lawful duties that may be assigned from time to time.


Qualifications


Diploma in Cooperative Management, Business or Banking, Office Administration, or related fields.
A minimum of a C+ grade in the Kenya Certificate of Secondary Education (KCSE).
A minimum of three (3) years of experience, preferably in a financial institution, banking, or SACCO sector.
Proficiency in computer applications such as MS Office applications, Google Workspace, and familiarity with information technology and digital tools.
Strong communication and customer service skills.
Ability to handle confidential information with keen attention to detail.
A fast learner with the ability to multitask effectively.
Familiarity with regulatory requirements relevant to the SACCO sector will be an added advantage.


Other Competencies


Strong organizational skills.
Good time management skills.
Ability to work with minimal supervision.
Incident and problem management. more

Purpose of Job.


The ICT Officer will be in-charge of the ICT Department and is also responsible for managing information technology, ICT systems, and policies to achieve Sacco’s goals. He/she will manage all ICT infrastructure, systems security, development and implementation of ICT strategies, policies, data security, and disaster recovery.
REPORTS TO : Chief Executive Officer


Key... Duties & Responsibilities:


Manage all operations of the ICT Department and ensure timely provision of ICT services to all functions of the Society to facilitate implementation and use of ICT in the organization.
In charge of the development and implementation of ICT strategies, promoting ICT innovation and enterprise.
Ensure appropriate database management and administration.
Monitor information systems and troubleshoot all systems in the Sacco.
Ensure proper maintenance of ICT-related equipment and security of hardware and software.
Ensure compliance with ICT regulations and advise management on the optimization of ICT resources in the organization.
Design and produce reports.
Provide advice on acquisition of hardware and software.
Ensure smooth operation of all terminals within the Local Area Network (LAN) and Wide Area Network (WAN), liaising with ICT suppliers and support service providers.
Ensure systems integrity, availability, and security.
Ensure proper functioning of all systems in the Society.
Maintain a backup system for all data in the Society and store them safely.
Assign User IDs and user rights, and implement controls in the Sacco system.
Report system breakdowns and failures immediately to the CEO and the system vendor for quick action.
Participate in the formulation and implementation of ICT policies.
Ensure business continuity and effective disaster management and recovery planning.
Provide appropriate information and guidance on emerging and best practices in ICT.
Ensure timely provision of ICT service to all the functions of the Sacco.
Maintain the Sacco website.


Qualifications


A bachelor’s degree in Computer Science or ICT-related fields.
Professional certification in ICT fields (CISM, CISA, or similar certification).
A member of an ICT professional body is an added advantage.
A minimum of four (4) years of working experience in a similar role.
Understanding of networking technology, routing, switching, and firewalls.
Overall understanding of enterprise systems.


Competences


Strong problem-analysis and troubleshooting skills.
Able to handle and assess critical situations, and coordinate with many team players to restore normal ICT services.
Good time management skills.
Able to work in cross-functional, multi-application, multi-service providers environment.
Customer focus and interpersonal skills.
Communication skills.
Business applications.
Infrastructure.
Application, data, and technical architecture.
Incident and problem management. more

The Role

Specifically, the successful jobholder will be required to:


Lead sales efforts and business growth in Co-operatives & CIBD Division.
Originate, structure, and close mortgage/project cases, managing end-to-end deal conversion and revenue momentum.
Develop and manage a mortgage pipeline, driving quality business through effective customer engagement.
Ensure portfolio quality... in adherence to the bank’s credit policy and risk management practices.
Provide continuous product knowledge and support to Relationship Managers and customers, maximizing opportunity identification and solutions.
Implement processes for early identification of problem accounts, collaborating closely with Relationship Managers.
Monitor MIS/risk reports rigorously to mitigate potential risk factors.
Monitor account conduct, payment of facilities, and covenant compliance.
Support customers in financial challenges, facilitating appropriate restructuring to preserve the bank’s position.
Ensure compliance with KYC and ALM measures, in line with regulatory requirements.
Develop and maintain strong relationships with business function units.
Enhance product visibility and market presence within CIBD and CBD.
Foster partnerships to create an end-to-end customer approach and enhance the value chain.
Conduct post-implementation reviews on key accounts, recording learning points for process improvement.
Collaborate with product development teams and participate in staff training on mortgage products.
Ensure strict adherence to all regulations, statutes, standards, and internal processes and procedures.
Contribute to department/division attaining a “Satisfactory” rating in both internal and external audits by adhering to standards and regulations.


Skills, Competencies and Experience

The successful candidate will be required to have the following skills and competencies:


A Bachelor’s degree in Finance/Accounting, Business Administration, Economics, or related field. 
An MBA and professional qualification in accountancy preferred.
Knowledge and experience in real estate/project/construction finance, preferably in a banking environment.
Ability to package solutions for emerging customer needs.
Ability to drive sales and uptake of mortgage finance products.
Knowledge in mortgage finance products and services.
Capacity to ensure compliance with product credit policy and operations.
A team player who can collaborate with business segments to identify client potential and ensure disbursements. more

Sacco Business Development Executives (REF: CBI/BDE/05/25)

The Business Development Executives will contribute to the Sacco’s growth, member/s acquisition through new business relationships (MOUs), retention and promoting Sacco’s products and services by cross & upselling.

Reports to: CEO

Department: Business Development

Duties & Responsibilities


Develop and implement strategies... to recruit corporate members and increase Sacco’s presence in institutions.
Conduct market research to identify potential corporate clients and business opportunities.
Build and maintain strong relationships with corporate partners and stakeholders.
Promote Sacco products and services to corporate employees through presentations, events, and direct marketing.
Develop targeted marketing campaigns to enhance brand awareness and member acquisition.
Monitor and analyze industry trends to identify new opportunities for growth.
Prepare and submit periodic reports on business development activities and membership growth.
Collaborate with internal teams to ensure seamless onboarding and service delivery to corporate members.
Represent the Sacco in networking events, trade fairs, and corporate engagements.
Ensure compliance with Sacco policies and regulatory requirements in all business development activities.
Deliver the agreed sales targets and outcomes within agreed timelines.
Any other duties as may be assigned from time to time.


Minimum Qualifications, Knowledge and Experience


Diploma in Business Management or related fields.
Proven work experience of at least 1 year as a sales representative, preferably in Sacco, Bank or Microfinance.
Highly motivated and target driven with a proven track record in sales.
Excellent selling, communication and negotiation skills.
Prioritizing, time management and organizational skills.
Ability to create and deliver presentations tailored to the audience needs.
Relationship management skills and openness to feedback. more

The Role

Specifically, the successful jobholder will be required to:


Design maintenance strategies, procedures and methods including planning and undertaking scheduled maintenance to minimize unpredicted breakdowns, assess and analyze repair and breakdown costs and recommend equipment upgrading or replacement.
Manage and oversee routine scheduled maintenance work and respond to... equipment faults while carrying out quality inspections on jobs to verify and forward job cards and invoices to Finance for payment.
Supervise projects in liaison with the Bank’s consultants, to successful completion within the shortest period as may be agreed from time to time
Manage installations costs in the new outlets and other refurbishments as may be agreed from time to time.
Arrange specialist procurement of fixtures, fittings or components. This will entail preparing bills of quantities for new and refurbished branches to include intruder alarm, CCTV, internal and fascia signage.
Ensure complete and proper documentation of all on-going and completed projects such as contracts, performance bonds, and all necessary documentation.
Deal with emergencies, unplanned problems and repairs by responding to breakdowns with agility and following up with vendors doing diagnosis and repair of equipment.
Control Capital Expenditure for projects and maintain renovation costs.
Maintain statistical and financial records for premises and equipment that are up to date.
Ensure compliance with health and safety legislation.
Manage inventory of supplies and bank equipment including generators, Air Conditioners, vault doors and safes, ATMs and firefighting equipment.
Prepare BQ’s and tender specifications as required in relation to specialist items installations.
Prepare repair specifications, select suitable contractors to carry out the works and prepare maintenance tender documents.


Desired Skills and Experience


A bachelor’s degree in mechanical engineering from a recognized university.
1 years’ experience in a similar role and good knowledge in Air-conditioning and Refrigeration will be an added advantage.
Good understanding of Health and Safety regulations as stipulated in the Law, knowledge of the contract law, and arbitration related to building construction.
Highly flexible, on call 24/7 with the ability to travel to distant branches when required (Must have a valid driving license) and willing to put in extra hours to ensure jobs are completed on schedule and to specification.
Excellent business skills and knowledge of managing budgets, leading a team and liaising with suppliers. more

The Role

Specifically, the successful jobholder will be required to:


Provide support to the Bank in construction, project management, maintenance and security of the Bank’s capital assets in particular Bank premises with emphasis on construction issues.
Manage and oversee routine scheduled maintenance work and respond to equipment faults and carry out quality inspections on... jobs.
Ensure proper contracting, cost management and value management for Bank’s construction, refurbishment and maintenance projects.
Work closely with key internal and external stakeholders to develop cost reduction strategies and implementation plans.
Supervise projects in liaison with the Bank’s consultants, to successful completion within the shortest period as may be agreed from time to time.
Manage construction costs in the new outlets and other refurbishments as may be agreed from time to time.
Prepare/Review blank bills of quantities and other tender documents to be issued to contractors for tendering.
Liaise with procurement team and external consultants on all tender processes including shortlisting of contractors, tender invitations, tender opening and tender evaluation.
Prepare valuations for in-house projects, evaluate and monitor payments to contractors at various stages of construction.
Ensure complete and proper documentation of all on-going and completed projects such as contracts, performance bonds, and all necessary documentation.
Prepare repair specifications, select suitable contractors to carry out the works and prepare maintenance tender documents.


Desired Skills and Experience


A bachelor’s degree in Building Economics or equivalent
1 years’ experience in a similar role is an added advantage.
Strong Preventive and Active maintenance skills, Construction & Project Management skills
Excellent communication, analytical and interpersonal skills.
Excellent business skills and knowledge of managing budgets, leading a team and liaising with suppliers.
Ability to build strong relationships across the organization.
Advanced report writing and presentation skills.
Sound ability to prioritize, time-manage, and honor deadlines. more

The Role

Specifically, the successful jobholder will be required to:


Provide oversight of all analysis and approval of credit proposals from all Lending Units, Treasury, and any other department/unit that will expose the Bank to credit risk in its daily activities as well as oversee the review of Bank, Insurance companies and other treasury limits annually when required.
Ensure that all... appraisal decisions meet the agreed SLA and quality standards and escalate any adverse observations to the Director-CMD
Ensure compliance to Bank Loan policies, lending guidelines and Government regulations in collaboration with the lending units and other departments within CMD as well as coordinate the Environment and Social risk management, policy implementation, reporting and capacity building.
Work closely with the Director – CMD to maintain appropriate credit risk management culture
Attend all credit committee meetings as scheduled or agreed and provide timely and organized responses to internal customer proposals and escalate any complex internal customer issues to the Director – CMD and other relevant authorities accordingly.
Manage all staff of the department and ensure they are adequately resourced and well-skilled to perform their roles.
Maintain and develop professional and technical knowledge by attending and contributing to training programs, educational workshops, reviewing professional publications, establishing personal networks and participating in professional structures & studies.


Desired Skills and Experience


A Bachelor’s degree in a Business-related field from a recognized university with a Certification in Credit management or Analysis.
At least 7 years’ experience in Credit Analysis 5 of which must be in a Senior/Management role within Corporate Credit Risk Analysis.
Good knowledge of the Banking Act, Bank Operating procedures as well as business trends and thorough knowledge of CBK Lending guidelines
Excellent Communication, Presentation and report writing skills
Excellent Credit Risk underwriting, Complex Credit structures, Financial Institution Risk analytics skills and Treasury Credit solutions.
Superior leadership, management and co-ordination skills with the ability to influence positively and engage direct and indirect reports and peers.
Customer focused & results oriented. more

The role

The successful jobholder will be expected to:


Analysis of credit proposals from business units and make a decision on the same day.
Recommend appropriate credit decisions to Credit approvers for final decision.
Escalate unusual issues or issues raising concern to the Head – Corporate Credit Risk Analysis Department.
Keep up to date records of all cases received, analyzed... and decisions by prompt update of tracker.
Advise Credit Administration Department/ business unit of decisions same day.
Keep abreast with economic, industry and business trends to facilitate quality analysis of credit applications.
Document issues identified as causes of weak appraisals from business units – both policy and procedure.
Train business units credit staff on credit analysis procedures
Ensure all lending proposals are within the bank’s credit policy & lending guidelines and escalate any exceptions
Ensure any policy breaches are properly authorized at the correct level.
Highlight to Head – Corporate Credit Analysis Department any necessary changes to the Bank’s credit policy and procedures.
Provide timely and clear responses to the various business units as per the agreed SLAs.
Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the   relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.
Ensure that all risk management requirements within your remit are addressed and where necessary escalated through the defined available channels.


Qualifications, Skills & Attributes

The successful jobholder will be required to possess the following qualifications: –


A university degree in a Business-Related field from a recognized university with at least 7 years banking experience 5 of which in Corporate Credit Risk underwriting or Corporate Credit origination
A thorough knowledge of the Banking Act, the Bank’s credit policy, Prudential guidelines, Environmental and Social Risk Management and lending guidelines with good understanding of related products and services Plus Credit & Financial analytical skills.
Ability to identify, analyze, condense and articulate complicated ideas and findings briefly and clearly.
Excellent Credit risk underwriting skills
A good knowledge of business trends and the business environment.
A general awareness of the Bank’s vision and focus especially in relation to Business Development & management of risks more

The Role

 Specifically, the successful jobholder will be required to:


Ensure accurate preparation and timely submission of all statutory reports
Ensure Reclassification of Loan portfolio book as per Prudential Guidelines.
Ensure external questionnaire by CBK, KBA and DFI’s are returned on time.
Review changes to data values and meanings.
Review data model, architectures and... specifications.
Assess and determine whether business applications meet data requirements.
Facilitate the resolution of data issues. Then communicate and promote the value of data.
Ensure compliance by frequent review of provision requirement for loans
Advise the finance department on Provision requirements on the impaired loan
update & recalibrate IFRS9 model computation of ECL, as well as run & configure the EIR model.
Dealing with the Bank External Lenders regarding Credit issues
Handle external lenders and ensure compliance on Covenants and reports
Monitor repayment schedules, rates, follow-up on rebates
Follow-up & ensure all recommendations with regards to credit review is implemented
Carry out data analysis as requested by the Lenders
Notify, implement & monitor prevailing variable base rates: e.g. CBR as per changes / Base lending rate
Forensic reconciliation of accounts to ensure nil over/under charge of interest.
Design and develop risk grading methodologies for MSME and Personal loans for use in risk-based pricing.
Revenue assurance.
Advise finance on monthly manual schedule interest
Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations with regard to Compliance requirements.


Skills, Competencies and Experience

 The successful candidate will be required to have the following skills and competencies:


A bachelor’s degree in business related field from a recognized University with at least three years working experience.
Advanced Computer skills especially in Microsoft Office Applications as well as analytical skills.
Thorough understanding of The Credit Policy and Prudential Guidelines
Business Development skills and Understanding of the core banking system preferably Finacle system
Excellent in IFRS 9 and Loan portfolio reporting
Personal organization and thoroughness coupled with the ability to work under minimum supervision with good Judgment and decision-making skills. more

SACCO SENIOR HUMAN RESOURCE OFFICER (REF: SHRO/04/25)

Reporting to: The Group CEO.

Key Responsibilities


Craft and execute human capital strategies and objectives; coordinate and integrate all Human resource activities to drive achievement of established Sacco goals and objectives to foster a culture of excellence.
Partner with team leads to translate the sacco’s vision and strategy... into actionable goals for performance and growth ; facilitate implementation of organization-wide goal setting, performance management, and annual operating plans that inspires collaboration
Nurture employee relations to enhance productivity and build an inclusive culture where team members thrive and achieve outstanding results while ensuring a positive work culture.
Ensure compliance with state regulations, Sacco policies and industry standards, enforcing adherence and taking action when necessary to maintain trust and integrity.
Monitor performance metrics; establish corrective measures as needed and prepare detailed reports that inform both current and future strategies.
Oversee strategic recruitment; formulate compelling job advertisements that draw in exceptional candidates, aligning with the Sacco’s mission and values.
Conduct engaging new employee orientation and provide empathetic employee relations counseling to foster a sense of belonging and support.
Develop and implement staff performance and professional development plans that align with Sacco’s mission, vision and objectives driving high performance and career growth.
Ensure seamless recruitment, onboarding, professional development, performance management, and retention; conducting insightful exit interviews to inform future strategies.
Design and implement the Human resource plan and Human resource development
Maintain accurate department records and reports; and leverage data to improve overall efficiency.
Recommend innovative policies, approaches, and procedures that enhances human capital management activities and contributes to excellence at the sacco
Manage day-to-day office operations; oversee and coordinate overall office activities and provide administrative support to the executive leadership.
Actively promote the Sacco products and services to clients, leveraging skills to enhance member engagement.
Provide monthly reports on employee-related issues and offer strategic advice to the Group CEO on a quarterly basis.
Collaborate with colleagues by contributing technical expertise and analysis to solve
Embody a team player mindset through work collaboration, sharing of innovative business ideas and mentoring new team members to enhance overall sacco capabilities.
Oversee the performance management system; conduct thorough performance reviews, and analysis to drive continuous improvement
Provide coaching and mentorship to staff, focusing on staff welfare to build resilience and motivation.
Lead talent acquisition, talent management, and talent retention strategies; develop initiatives that attract, develop, and retain top talent, ensuring a competitive edge in the market.


Relevant Qualifications & Experience


Hold a Bachelor’s degree in Human Resources Management or a related field from a reputable university.
A diploma in Co-operative Management would be an added
Possess professional Human resource and be a member of a recognized Human resource body, with a minimum requirement of membership in the Institute of Human Resource Management (IHRM).
Have at least 5 years of experience in administrative and HR procedures within a financial institution, with expertise in business systems and a minimum of 2 years in a supervisory role.
Have a thorough grasp of employment regulations and laws
Additional professional qualifications are an added advantage g. CPS, ACCA, CISA etc.
A minimum KCSE mean grade of C+.
Proven ability to inspire and guide teams to achieve organizational goals while fostering collaboration and trust.
Communicate human resource strategies and policies clearly and effectively across all levels of the organization.
Build strong relationships through empathy, emotional intelligence, and constructive conflict resolution.
Proficient in Microsoft Office Suite for managing documents, analyzing data, and preparing presentations.
Demonstrated skill in using Human resource software to streamline processes, manage employee records, and track performance metrics. more