JOB SUMMARY

The Director, Human Resources will report to the Chief Executive Officer and will be responsible for overseeing and managing the human resources function. This role is crucial in shaping the workplace culture, fostering collaboration, and ensuring the effective management of the Bank’s workforce. The job holder will build an employer of choice brand, develop and implement the Bank’s... human resources strategy, and build partnerships with the business to ensure alignment of talent strategy and services with the business strategy. The successful candidate will serve as a strategic partner to the Chief Executive Officer and the Executive Team, providing guidance and expertise in all HR functions. This position requires a deep understanding of HR best practices, labor laws, and government regulations for purposes of developing and implementing HR strategies, policies, and programs that align with our organizational goals and objectives. The candidate will also be a key driver of organizational change and fostering a positive work culture.

KEY RESPONSIBILITIES

Strategy:


Design and develop innovative and high-impact human resources strategy aligned to the Bank’s overall strategy.
Be a senior-level advisor to executives and employees regarding human resources trends.
Oversee the implementation of talent and organization strategy and build partnerships with the business and external stakeholders to enable and support implementation.
Provide direction in the development and implementation of talent management policies.
Develop and implement the Bank’s human resources business plan, establishing accountability, identifying solutions to resolve problems, and fostering a diverse workplace that enables all employees to contribute to the Bank at their full potential.
Prepare HR Strategy, budget, and financial obligations.
Manage organizational change to increase employee engagement and productivity.


Talent Management:


Provide leadership in the development and implementation of high-potential programs that involve identification, development, retention, and placements of HIPOs in the Bank.
Oversee the implementation of coaching in the Bank and drive executive coaching for senior management.
Undertake recruitment for key, critical positions that build to the leadership and talent pipeline of the Bank.
Diagnose current and future talent and capability gaps and recommend innovative solutions to fill gaps.
Develop annual workforce plan along with the various business heads and execute the plans through applying creative resourcing techniques.
Implement comprehensive and detailed onboarding plans and ensure seamless integration for all new staff.
Develop and implement programs that focus on creating a leadership pipeline and conduct leadership assessments and provide feedback to the Executive Committee.
Oversee the development of the Bank’s annual training plan and its implementation and ensure alignment with the Talent Management Strategy.
Oversee the development and implementation of career paths.
Develop and oversee the implementation of a succession planning program.


Performance Management:


Embed a performance culture through organization development processes including but not limited to defining and overseeing the implementation of the performance management cycle.
Develop and implement a rigorous approach to candidate assessment, selection, and offer finalization – working closely with the business partners and coordinating senior internal stakeholders.
Develop and implement retention programs for high-performing employees while managing the succession planning strategies.
Oversee and ensure implementation of an effective performance management model including competency modeling.


Employee Relations:


Develop and provide policy advice and guidance on employee relations matters and maintain industrial peace and harmony with both internal and external customers of the Bank. The role also looks at the implementation of the disciplinary and grievance handling policies and procedures taking into account the application of law, organization values, collective bargaining agreement, and the HR & operational policies and procedures.
Participate as the Bank’s lead in the KBA - CBA negotiations, implementation, and any trade disputes that may arise within the Bank and the Industry.


Learning and Development:


Develop and implement the SBM Bank Kenya strategic learning framework, including a robust learning plan, learning calendar, learning journeys, and potential career maps.
Multiply learning delivery strategies embedding technology and entrenching the 70:20:10 model.
Participate in the development of Organizational Development strategies, policies, and processes including review to ensure these are in line with industry and best practice.
Create and implement a learning policy for the Bank.
Manage organization learning and development built out of consolidated individual development plans and training needs analysis.
Undertake annual training needs analysis and develop the annual training budget for the Bank.
Implement the organization training plan, build and generate learning analytics and reports for management consumption and for tracking execution.
Source for learning providers and build a dynamic preferred supplier list relevant to current and future learning needs.
Own and drive the development and dissemination of the SBM Bank Kenya competency framework including self-assessments plus integration with individual development plans and learning solutions.


HR Governance:


Conduct the Human Resources quality assurance function in line with the policies and procedures and provide monthly compliance reports to the Senior Management.
Ensure OSHA committees are running and liaise with Admin & Logistics department and other relevant functions for closure of OSHA audit items.
Coordinate the annual review of policies and procedures and update the same as and when changes are necessary.
Responsible for statutory staff compliance through closure of Fit and Proper requirements of senior staff prior to placement and respond to reference checks requests from regulator and other external parties.
Custodian of all minutes for all Human Resources related meetings and committees.
Ensure updates and tracking of all action items from all Human resources committees.
Provide secretarial support for business and/or staff committees, schemes, initiatives, or forums relating to HR Area.
Maintain relationships with internal/suppliers relating to own Human Resources area: line managers, HR Service Providers, Forensic Department, Finance Department, and Risk Department.
Enforce the Business Continuity Planning, Management, and Disaster Recovery Readiness Testing and implement its plans.
Prepare papers and presentations to EXCO, HR Committee, and REMCO.
Provide high-quality analytical and business intelligence reports to support the effective management of HR’s governance.
Establish and/or review existing Human Resources control and governance structure to ensure that it’s effective, properly maintained, and operating efficiently.
Design, implement, and oversee the Human Resources audit program for key process areas that identify and test risks and internal controls.


QUALIFICATIONS

Education:


Relevant Bachelor’s Degree in Human Resource Management, Commerce, Social Sciences, Business Administration; or relevant Bachelor’s degree in Applied and Physical Science, Humanities or Business-related field or equivalent qualification from a recognized Institution.
Relevant Master’s Degree in Human Resource Management, Commerce, Social Sciences, Business Administration.
Be a registered Member of the Institute of Human Resource Management with a valid Practising Certificate.
Higher Diploma Human Resource Management from Institute of Human Resource Management Kenya OR Certified Human Resource Professional from College of Human Resource Management Kenya.


Experience:


Minimum of 15 years of progressive HR leadership experience, preferably in the Banking Industry.
Minimum of 10 years in a Senior Management / Leadership Position.
Strong and proven knowledge of HR policies, procedures, HR Governance & Compliance requirements.
Extensive knowledge of HR best practices, labor laws, and government regulations.


 Skills and Competencies:


Excellent leadership, communication, and interpersonal skills, with the ability to build effective relationships and resolve conflicts.
Strong leadership skills with the ability to influence and engage stakeholders at all levels of the organization.
Strong problem-solving and decision-making abilities. Demonstrated experience in managing employee relations, conducting investigations, and resolving complex HR issues.
Business & Financial acumen skills with the ability to effectively manage resources.
Strategic thinker with the ability to drive organizational change and foster a positive work culture.
A commitment to diversity, equity, and inclusion.


Personal Attributes:


Integrity and ethical conduct.
Resilience, adaptability, and the ability to work under pressure.
Results-oriented and committed to achieving the Bank’s mission. more

JOB PURPOSE

The overall responsibility of this role is to develop strategy for Asset Finance and IPF, lead a team to execute the strategy to achieve key objectives for the bank. The role is to enable the unit to achieve business growth for the Bank by selling Asset Finance products within assigned market segments and by promoting and selling other products and services of the Bank to enhance... value-added relationship with existing customers.

KEY RESPONSIBILITIES

Strategy - 30%


Balance sheet & Income growth achieved by driving Asset finance business through Branches, sectors and segment
Service delivery & Relationship Management
Staff management & Personal Management.
Participate in training of Branch Relationship Managers (RMs) and Relationship Officers (ROs) in the respective regions with regards to Asset finance products, policies and procedures.


Business Development - 40%


Grow the bank's asset finance book and Income. 
Promote active utilization of the bank's products on Asset Finance and IPF to existing and potential clients. 
Evaluate credit proposals and oversee the credit applications process on a timely basis within the Bank’s set turnaround times. 
Effectively manage and expand the relationships with existing & new clients in various segments and bringing in new partnerships so as to ensure product development, business growth and continuity.
Participate in training of branch RMs & ROs in the respective regions with regards to Asset finance policies and procedures. 
Ensure effective communication with Motor Vehicle Dealers, in respect to status of applications 
Ensure portfolio register is up to date 
Ensuring continuous improvement in customer service and implementing effective retention of customers within the Asset Finance framework. 
Monitoring and maintaining a healthy portfolio. 
New product development and continuous product innovation to meet changing customer needs


Compliance - 10%


Ensure compliance with both internal and external regulatory requirements.
Working closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with corporate banking. 
Developing and continuously reviewing business operational policies and procedures ensuring their compliance.


People - 20%


Managing and developing a high-performance team to meet set deliverables. 
Providing coaching, training needs and mentorship aimed at building knowledge among subordinates.


KEY RELATIONSHIPS 

Direct Reports to this Position:


Manager (Business Development)- Asset Finance
Senior Officer IPF
Credit Officer


Customers of this Position


All HODs
Branches 
External customers


KEY QUALIFICATIONS AND COMPETENCES 

Knowledge; Skills and Experience required for this Role


Business graduate from an accredited University with at least 5 years experience in Asset Finance. 
Post Graduate degree (Business, Finance, Banking , Economics) an added advantage 
Expert knowledge in Asset Finance and IPF products
Demonstrated leadership capabilities, ability to organize and manage human resources to attain goals. 
Effective communication skills. 
Excellent Organizational, Analytical and Coordination skills
Client Oriented. Considers client to be primary in all Interactions/transactions 
Information gathering and information monitoring skills.
Problem analysis and problem solving skills.
Good Decision Making Skills and Mature sense of judgment 
Good team player
High level of Integrity and ability to work under pressure to deliver timely quality services.


Competencies required for this Role


Delivering Results and Meeting Customer Expectations 
Entrepreneurial and Commercial Thinking
Relating and Networking
Persuading and Influencing 
Presenting and Communicating Information 
Achieving Personal Work Goals and Objectives 
Deciding and Initiating Action
Adapting and Responding to Change more

JOB PURPOSE

The Sales Representative will be responsible for introducing & selling the consumer banking products to potential customers. The main responsibilities include business growth & development, identifying opportunities to increase sales, and assisting in the development and execution of sales and marketing plans through offering exemplary customer excellence to build long-term... profitable customer relationships.

KEY RESPONSIBILITIES

Business Growth & Development - 60%


Identify retail opportunities and prospects through systematic prospecting, visiting and onboarding of new potential retail customers in the signed-up scheme companies. 
Deliver exceptional sales performance by identifying and meeting customer needs through selling & cross selling of assigned Consumer Banking products and services.
Provide direct sales support (quality lead generation and effective follow-up) to generate and convert quality leads into sales. 
Participate in specific consumer banking product campaigns to generate awareness to the customers.
Agree, meet and exceed targets for specific consumer banking sales campaigns on a weekly, monthly and quarterly basis.
Ensure governance and compliance in processing of customer documentation aligned to account opening process for customers and submit to the line manager for review before submitting to Account Management Unit for processing. 
Follow up with customers to ensure seamless account opening process and 100% efficiency in delivery of newly opened account information.


Relationship management - 30%


Maintain a stable relationship with the companies’ key contacts by providing excellent quality service and maintaining high visibility through regular courtesy calls and visits. 
Maintain an updated record on the scheme portfolio at all times to mitigate losses.
Liaise with business development teams to identify opportunities within their portfolios and to deepen relationships with the existing bank customers. 
Plan for and attend service open days & activations within selected scheme companies to handle queries.


Customer Service - 10%


Minimize customer attrition by offering the required solutions to the customer and proactively responding to queries and complaints. 
Achieve the required minimum client visits and customer engagement forums per year.
Customer complaints and resolutions to be handled within the expected TAT. In case of escalations, follow through the approved bank escalation matrix.


KEY QUALIFICATIONS AND COMPETENCES

Knowledge, Skills and Experience required for this Role:


Excellent understanding and interpretation of financial information. 
Working knowledge of the Bank’s products & services.
Good understanding of the banking industry trends , regulation, banks processes & standard operating procedures. 
Sales experience, preferably in the banking or financial industry.


Education:


Minimum of a Diploma in a business-related field.


Competencies required for this Role:


Relationship Management & Interpersonal skills.
Entrepreneurial and business acumen. 
Strong networking skills.
Self-motivated and result oriented. 
Planning and organizing skills. more

JOB PURPOSE

The Senior Officer, Business Applications is responsible for maintaining and supporting the bank’s business applications. The role ensures optimal system performance, application availability, and integration while addressing business needs and regulatory requirements. The incumbent will work closely with IT, business units, and vendors to drive system enhancements and efficient... operations.

KEY RESPONSIBILITIES

Application Management & Support: 


Ensure 24/7 availability and optimal performance of business applications.
Troubleshoot, analyze, and resolve system issues in coordination with internal teams and vendors. 
Support system upgrades, patches, and testing for new features or modules.


Business & Technical Analysis:


Assess business needs and ensure applications align with operational and regulatory requirements.
Conduct system parameterization, including new product setups and configuration updates. 
Coordinate system testing, implementation, and go-live activities.


Integration & Enhancement:


Work on seamless integration between core and non-core banking applications.
Assist in API and middleware configurations for third-party integrations. 
Provide input on system improvements and automation initiatives.


Security & Compliance:


Ensure adherence to IT security policies and regulatory standards. 
Participate in Disaster Recovery and Business Continuity Planning (DRP/BCP) exercises. 
Follow up on audit findings and implement corrective actions.


Stakeholder Collaboration & Documentation:


Serve as a liaison between IT, business units, and vendors for application-related matters.
Provide necessary training and support to end-users on system functionalities. 
Maintain proper documentation, including SOPs, reports, and system logs.


KEY RELATIONSHIPS

Direct Reports to this Position


N/A.


Customers of this Position


All Departments in the Bank.


KEY QUALIFICATIONS AND COMPETENCES 

Qualifications & Experience:


Bachelor's degree in IT, Computer Science, or related field. 
Minimum 3 years of experience in banking business applications or related fields. 
Proficiency in SQL, Oracle DB, and database management. 
A must Experience with core banking systems - Oracle Flexcube. 
Knowledge of financial principles, banking operations, and regulatory compliance. 
Familiarity with ITIL framework and change management processes.


Competencies required for this Role:


Strong troubleshooting and analytical skills. 
Ability to manage multiple priorities in a fast-paced environment.
Excellent communication and stakeholder management skills. 
High attention to detail and problem-solving mindset. more

JOB PURPOSE

The Assistant Manager, Business Applications will be responsible for managing, supporting, and optimizing Business Applications. This role requires a deep understanding of banking products, hands-on technical expertise, and a strong ability to drive system enhancements that align with business needs. The ideal candidate will work closely with various stakeholders, including IT,... operations, vendors, and business teams, to ensure seamless application performance and continuous improvement.

KEY RESPONSIBILITIES 


To ensure full availability (24/7) of all the Applications of Core unit in line with the IT policy, procedures, and the Bank’s strategic plan.


Application Management and Support


Oversee and manage the core and non-core banking applications, ensuring stability, security, and efficiency.
Troubleshoot and resolve application issues, ensuring minimal downtime and quick resolution of incidents. 
Coordinate with vendors and internal teams for issue resolution, patch updates, and version upgrades.


Systems Enhancements & Optimization


Identify opportunities to improve banking applications to enhance user experience and operational efficiency. 
Implement system enhancements based on business and regulatory requirements.
Work on performance tuning, optimization, and automation of manual processes.


Technical Expertise & Development


Ensure seamless integration of banking applications with other enterprise systems. 
Conduct root cause analysis and proactively address potential issues before they impact business operations.
Support the development and testing of new features, APIs, and interfaces for banking solutions.


Project Management & Stakeholder Management


Collaborate with business units, IT teams, and third-party vendors to manage project lifecycles. 
Participate in business requirement gathering and ensure timely execution of projects. 
Assist in regulatory and audit compliance related to banking applications.


Security and Compliance


Ensure all applications adhere to security best practices and comply with regulatory requirements.
Participate in IT risk assessments and security audits, ensuring appropriate controls are in place.


KEY RELATIONSHIPS

Direct Reports to this Position:


Senior Officer and Officer - Business Applications


Customers of this Position:


All Departments in the Bank.


KEY QUALIFICATIONS AND COMPETENCES


Education, Knowledge, skills and Experience required for this Role
Bachelor’s degree in computer science, Information Technology, or a related field.
5+ years of experience in managing business applications, preferably within the banking/financial sector.
Strong knowledge of banking systems, middleware solutions, and digital banking applications. 
Proficiency in SQL, Oracle database management, APIs, and system integrations. 
Experience working with Oracle Flexcube banking applications. 
Hands-on experience with IT service management frameworks (ITIL) is an added advantage. 
Ability to work under pressure, manage multiple priorities, and meet tight deadlines. 
Good knowledge of financial/accounting principles and Banking Operation 
Fluency in spoken and written English 
Good integrity, positive attitude, helpful, high commitment, competence and motivation


Competencies required for this Role 


Strong analytical and problem-solving skills.
Excellent communication and stakeholder management skills. 
Proactive, detail-oriented, and highly organized.
Ability to work independently and collaboratively in a fast-paced environment. more

JOB PURPOSE

The overall responsibility of Treasury middle office manager is to support the treasury team on liquidity and risk management activities including ALM and balance sheet modelling by assisting in optimum asset allocation, balance sheet optimization and costing of the balance sheet, creating and maintaining cash forecast models, assisting with management of foreign currency risk and... supporting investment activities.

KEY RESPONSIBILITIES 


Work with finance to create and update key cash forecast models used by treasury team to support liquidity and decision making, tracking actuals versus forecasted results
Create and maintain FX cash flow hedging forecasts, and analyze cash flow and balance sheet hedge programs
Assist treasury in managing investments, including money markets and  bank deposits,
Assist with treasury month end close process liaising with finance and treasury operations to ensure treasury data is accounted for accurately in treasury management system and the General Ledger.
Maintaining treasury reports, procedures, processes and controls with an eye towards continuous improvement
Investigation and analysis of treasury data issues on reconciliation balances – Transaction Processing vs General Ledger Reconciliation
Engage market risk and treasury on exposure details / variance analysis / limit compliance
Prepare, analyze and report daily T+1 Profit and Loss including value added commentary as required by traders and other stakeholders for daily Profit & Loss and business reporting requirements
Liaise with branches, finance and back office to resolve trade and Profit &Loss exceptions/ ‘breaks’
Monitor off market rates transactions
Assist in clearance of branches/ traders overall positions
Support ad-hoc treasury projects
Support monthly ALCO process
Be first point of call for ad hoc queries from traders and branches in regards to Treasury balance sheet items, positions and  Profit and loss
Key point of contact for all internal and external queries relating to treasury operations.
Identify areas of improvements and recommend corrective actions to IT or Project team
Continually review and improve procedures assuring high level of control and accounting is maintained as well as improve efficiency
Ensuring that the integrity of the operating environment meets audit and regulatory standards and assist in internal and external audit activities
Ensure procedural documentation is kept up to date.


KEY RELATIONSHIPS

Direct Reports to this Position:


None 


Customers of this Position:


Traders/Dealers/Treasurer
Treasury Operations
Information Technology
Branches
Market risk
Finance


KEY QUALIFICATIONS AND COMPETENCES

Knowledge; Skills and Experience required for this Role

Knowledge:


Prior experience in Treasury Markets infrastructure, including trading systems, end to end processes relating to trade booking and deal flows, risk, finance and product control.
Extensive knowledge of financial instruments and products including an understanding of bank regulation, accounting, valuation techniques and risk measurement


Job Experience: 


10+ years of experience working in a financial institution with a bias in treasury middle office or market risk.


Education:


Bachelors degree in Finance/Accounting or business related field.
CPA (K).


Competencies required for this Role:


Expert in use of Microsoft Office applications (excel, power point, word)
A strong mathematical background for in-depth analysis
Experienced problem solver with an ability to rapidly assimilate complex information across a variety of financial disciplines
Strong interpersonal skills to liaise and meet the traders/ stakeholders demands
Demonstrated ability to work effectively across business units taking ownership and delivering results
Ability to handle multiple initiatives simultaneously with continuous attention to detail in a fast-paced environment 
Strong communication skills, oral and written, with ability to converse with a wide variety of people across functions.
High energy, self-starter with a flexible and pragmatic attitude more

JOB SUMMARY:

The job holder is responsible for providing a relationship-based offering to high net-worth affluent individuals through a pro-active, highly responsive personal approach to meet the financial needs and service expectations of high net-worth individuals. The job holder shall proactively promote a relationship-based offering through operating as a dedicated and primary point of... contact for the customer and providing financial solutions which meet the customer’s expectations in accordance with the segment value proposition. The job holder shall leverage the group’s reach & expertise resource capabilities to add value to both the customer and the bank and maintain a high level of integrity, professionalism and ethical standards whilst building valuable long term relationships with customers.

KEY RESPONSIBILITIES:


Acquire new customers (high net-worth affluent individuals) as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy and sales targets.
Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.
Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
Comprehensively explore customers’ short and long term financial goals/aspirations and keep up to date with changes in the financial needs and financial position of customers. Appreciate the implications of the customers’ lifecycle position and priorities. 
Conduct a comprehensive calling/contact management programme for all customers within own portfolio supported by call reports that document the salient issues and future opportunities identified.
Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
Ensure that the Customer is central to the entire life cycle approach of maximising sustainable value add to both the Customer and the Bank. 
Establish, build and strengthen one-on-one relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals. 
Place equal emphasis on investment (non-borrowing) and borrowing customers. 
Commitment to Service excellence and superior service delivery aligned to SLA’s and turnaround time commitments.Ensure that customers are appropriately educated regarding the value of using self-service channels (Internet Banking, ATMs & Mobile Banking) to empower customers and minimise adhoc service requests. Assist with migration, Facilitate the migration of customers to self-service channels where appropriate. 
Ensure that customers are well informed with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, etc), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g. minimum account balances, provision for debit orders and cheque payments, etc). 
Clearly and transparently inform customers of contract/account terms and conditions, fees, rates and commissions where applicable. Be prepared to articulate the value added if challenged on pricing.
Ensure that qualifying customers (as defined by the Country segment value proposition) are timeously migrated from the Branch to the Elite Banking.
Retain ownership of customer requests, complaints and applications – follow every task through to completion keeping the customer updated on progress.
Ascertain when customers require specialist advice and arrange appropriate introductions with specialists. Generate and pass on leads. Follow up to ensure that the customer is satisfied with the service received.
Determine when new or existing customers require SME or Corporate expertise and arrange introductions accordingly. Interact and build strong working relationships with SME and Corporate colleagues to entrench the holistic customer relationship with the bank.
Interact frequently and build strong working relationships with enabler and fulfilment functions (including credit specialists, product specialists and wealth specialists) to shorten turnaround times and SLA’s are adhered to. 
Manage credit and operational risks in accordance with laid down policies and procedures.
Take accountability for credit management of portfolio, including the completion of referral reports, taking action regarding exception reports to eliminate accounts in excess, ensure that all accounts are limitised and that reviews occur timeously.
Establish and build knowledge and understanding of product and credit application processes to eliminate reworking and ensure acceptable turnaround times for customers.Maintain proper records (filing, update customer records on bank system, etc). 
Ensure limits are loaded, market segment codes are correct and all fields are captured accurately on the system. Take responsibility for the integrity of all data pertaining to the portfolio.
Attend to all correspondence relating to the portfolio, including e-mails, phone calls, messages, documentation, faxes, queries and complaints, etc.
appropriate Monitor initial activation and usage of transaction accounts and proactively take steps to mitigate dormancy. 
Follow proper procedures when closing accounts, including the recovery of outstanding funds/fees and retention of cheque books/cards.
Manage subordinate (Relationship Officer/ Transactional Banker / Private Banker’s Assistant) in accordance with HR performance management best practice recruitment/development/retention/reward & recognition. 
Cooperate and work effectively with others in pursuit of team goals by sharing information, providing support, showing care and being considerate of other team members. 
Actively seek to improve others’ skills and talents by providing constructive feedback, coaching and training opportunities to develop their abilities.


KEY RELATIONSHIPS:

Direct Reports to this Position


N/A.


Customers of this Position


High Net worth individuals within the bank.


KEY COMPETENCES AND SKILLS:

Knowledge; Skills and Experience required for this Role Knowledge:


Understanding of the high net – worth individual and affluent market – typical profile, lifestyle, financial needs, etc.
Deep knowledge and understanding of segment value proposition.
Sound knowledge of all products and channels relevant to this market, including qualifying criteria, product/channel features and benefits, pricing, product/channel combination possibilities and efficient product usage through self – service channels. 
Understanding of the bank’s product in respect of service level arrangements and the bank’s service provision networks.
Understanding of which products are most required by high net – worth individuals and/or, most beneficial to this market as well as appreciation of which products are most profitable to the bank.
Knowledge of equivalent competitor products and services.
Working knowledge of SBM Bank Strategy, country strategy and segment strategy. 
Knowledge of local market environment and financial issues that may impact portfolio. 
Working knowledge of bank systems. 
Thorough understanding of credit principles as well as application and maintenance processes.


Experience:


Banking experience, preferably dealing with high net – worth individuals in a portfolio context.
Strong sales background.
Experience in upholding the highest levels of service. 
Experience in completing credit applications successfully.


Skills:


Relevant business/financial qualification. 
Interpret financial statements, assess sources of income and basic customer affordability calculations (debt to income ratio, loan to value ratio, installment to income ratio, etc.) 
Sell financial products on unique benefit to customer and not merely price, Use knowledge of product, local competitive differentiators and value proposition to persuade customers to bank with SBM Bank.
Demonstrate high levels of computer literacy – able to capture/update customer database, successfully complete product/lending applications, ensure credit maintenance, etc.


Competencies required for this Role:


Mature & professional demeanour.
An effective networker at all levels, both inside and outside the bank.
Ability to identify customers’ requirements for specialist financial/product expertise and advice.
Articulate in the communication/presentation of financial solution and factual information to customers.
Strong Communication, negotiation and persuasion skills.
Independent, socially confident, quick to establish rapport and build credibility with customers.
Fosters confidence among customers.
Ability to listen and probe customer responses effectively to ensure proper understanding of needs.
Advanced sales and consulting skills. 
Achievement orientated, embracing and achieving challenging targets. 
Self – motivated and energetic.
Consistent, honest and trustworthy – demonstrating integrity. 
Ability to remain calm and focused under pressure and during conflict situations.
Able to have difficult conversations with confidence – declining a pricing/rate concession, effectively communicating a declined loan application to customer without blaming Credit, etc.
People management skills, including team building, team motivation, goal planning and optimising team skills to deliver results. more

JOB PURPOSE

Reporting to the Head of Agribusiness, Corporate Banking, the role involves the management of business development activities from prospecting, acquisition, and retention of the corporate banking customers along various business lines both in volumes and incomes for the Agribusiness sector in the Rift and Western region.

KEY RESPONSIBILITIES


To implement the Corporate... Banking Unit strategy in line with the overall Bank’s Strategy; to ensure achievement of profitability targets through growth of assets, deposits, revenue maximization and prudent cost management for the Agribusiness Sector.
Drive sustainable growth through the delivery of innovative and customized financial solutions to meet identified customer needs.
To Build and maintain productive and strategic relations with customers/ suppliers/ line manager/ stakeholders to drive the development and delivery of business solutions and revenue growth for the specific sectors or portfolio.
Ensure strong cross-selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the bank.
Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty.
Maintain a detailed and current understanding of the industry (s); (at a macro, sector specific, current market structures; regulatory requirements and issues) to ensure that opportunities are realized and the risks mitigated.
Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements.
Maintain a strong pipeline for business development and prepare account plans for all customers under the portfolio.
Maintain a good quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
Advising clients on ways to structure their borrowings or requests to suit their current financial requirements without overstretching their existing cash flow or limiting potential opportunities for growth of their businesses.
Ensure timely preparation of relevant reports and daily monitoring of accounts to ensure facilities have accurate interest rates, are within the approved limits, covenants are met and taking remedial actions in line with policy.
Lead, motivate, and continuously develop a credible high performing team.
Ensure compliance with the Bank’s policies, procedures, and regulatory requirements.


KEY RELATIONSHIPS

Direct Reports to this Position


Relationship Manager
Assistant Relationship Manager


Main Customers of this Position


Branch Managers
Business Development Team
Credit Risk and Monitoring 


KEY QUALIFICATIONS AND COMPETENCES

Knowledge: Skills and Experience required for this Role


Business graduate from an accredited University
At least 4 years’ experience in the Agribusiness Sector in a Corporate Banking environment in the Western and Rift region is required.
Professional Qualifications CPA, ACCA, CFA, AKIB Added Advantage
Master’s Degree Finance or a Business-Related Field Added Advantage


Competencies required for this Role.


Dynamic, analytical, and self-driven individual with the ability to work under pressure.
A passion for performance, team player and achievement in a competitive and dynamic environment
Excellent selling, presentation, and negotiation skills
Strong networking skills
Commercial awareness and customer focus
Ability to close deals and pitch customers on offerings in the Bank and Group more

JOB PURPOSE

Reporting to the Head of Client Coverage and Origination -Corporate Banking, the role involves the management of business development activities from prospecting, acquisition, and retention of the corporate banking customers along various business lines both in volumes and incomes.

KEY RESPONSIBILITIES

KEY RESPONSIBILITIES


To implement the Corporate Banking Unit strategy... in line with the overall Bank’s Strategy; to ensure achievement of profitability targets through growth of assets, deposits, revenue maximization and prudent cost management for the assigned Sector. 
Drive sustainable growth through the delivery of innovative and customized financial solutions to meet identified customer needs. 
To Build and maintain productive and strategic relations with customers/ suppliers/ line manager/ stakeholders to drive the development and delivery of business solutions and revenue growth for the specific sectors or portfolio. 
Ensure strong cross-selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the bank. 
Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty. 
Maintain a detailed and current understanding of the industry (s); (at a macro, sector specific, current market structures; regulatory requirements and issues) to ensure that opportunities are realized and the risks mitigated.
Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements. 
Maintain a strong pipeline for business development and prepare account plans for all customers under the portfolio.
Maintain a good quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters. 
Advising clients on ways to structure their borrowings or requests to suit their current financial requirements without overstretching their existing cash flows or limiting potential opportunities for growth of their businesses 
Ensure timely preparation of relevant reports and daily monitoring of accounts to ensure facilities have accurate interest rates and are within the approved limits. To ensure that all the covenants set in the facility documents are met and to take remedial actions in line with policy where there is any breach. 
Lead, motivate, and continuously develop a credible high performing team. 
Ensure compliance with the Bank’s policies, procedures, and regulatory requirements. 


KEY RELATIONSHIPS 

Direct Reports to this Position


Relationship Manager
Assistant Relationship Manager


Main Customers of this Position


Branch Managers 
Business Development Team
Credit Risk and Monitoring


KEY EXPERIENCE AND COMPETENCES

Knowledge: Skills and Experience required for this Role


Business graduate from an accredited University 
At least 5years’ experience in Corporate Banking and growing of business from the Asian Community. 
Professional Qualifications CPA, ACCA, CFA, AKIB Added Advantage
Master’s Degree Finance or a Business-Related Field Added Advantage.


Competencies required for this Role.


Dynamic, analytical, and self-driven individual with the ability to work under pressure.
A passion for performance, team player and achievement in a competitive and dynamic environment
Excellent selling, presentation, and negotiation skills 
Strong networking skills 
Commercial awareness and customer focus 
Ability to close deals and pitch to customers on offerings in the Bank and Group more

JOB PURPOSE

Reporting to the Head of Institutional Banking; the role involves the management of business development activities from prospecting, acquisition, and retention of the corporate banking customers along various business lines both in volumes and incomes.

KEY RESPONSIBILITIES

Strategy & BD - 55%


To implement the Institutional Banking Unit strategy in line with the overall... Bank’s Strategy; to ensure achievement of profitability targets through growth of assets, deposits, revenue maximization and prudent cost management for the assigned Sector.
Drive sustainable growth through the delivery of innovative and customized financial solutions to meet identified customer needs.
To Build and maintain productive and strategic relations with customers/ suppliers/ line manager/ stakeholders to drive the development and delivery of business solutions and revenue growth for the specific sectors or portfolio. 
Ensure strong cross-selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the bank. 
Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty.
Maintain a detailed and current understanding of the industry (s); (at a macro, sector specific, current market structures; regulatory requirements and issues) to ensure that opportunities are realized and the risks mitigated.
 Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements.
Maintain a strong pipeline for business development and prepare account plans for all customers under the portfolio.
Maintain a good quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters. 
Ensure timely preparation of relevant reports and daily monitoring of accounts to ensure facilities have accurate interest rates and are within the approved limits. To ensure that all the covenants set in the facility documents are met and to take remedial actions in line with policy where there is any breach.


Compliance - 20%


Ensure compliance with both internal and external regulatory requirements,
Compliance with the Bank’s policies, procedures, and regulatory requirements,
Working closely with risk and compliance units to ensure effective controls to mitigate business risks associated with institutional banking,
Developing and continuously reviewing business operational policies and procedures ensuring their compliance,
To ensure strict compliance with the various local laws, jurisdictions, bank risk standards and custodial services policy guide as regulated by RBA & CMA.


Human Resource - 20%


Oversee management of assigned team,
Develop career growth and personal development plan for team members,
Assess the training needs analysis for team members to be incorporated into the overall departmental training plan
Lead, motivate, and continuously develop a credible high performing team.


Other - 5%


Safeguard and promote the bank’s image with the public.


KEY RELATIONSHIPS

Direct Reports to this Position


Relationship Manger
 Assistant Relationship Manager


Customers of this Position


Branch Managers
Business Development Team
Credit Risk and Monitoring


KEY EXPERIENCE AND COMPETENCIES

Knowledge: Skills and Experience required for this Role


Business graduate from an accredited University
At least 5years’ experience in Corporate Banking is required.
Professional Qualifications CPA, ACCA, CFA, AKIB Added Advantage
Master’s Degree Finance or a Business-Related Field Added Advantage


Competencies Required for this Role


Dynamic, analytical, and self-driven individual with the ability to work under pressure.
A passion for performance, team player and achievement in a competitive and dynamic environment
Excellent selling, presentation, and negotiation skills
Strong networking skills
Commercial awareness and customer focus
Ability to close deals and pitch customers on offerings in the Bank and Group more