Massive Recruitment at ABC Bank Kenya

ABC Bank is a leading commercial bank providing long term careers to deserving professionals.

We are seeking to recruit dynamic, creative and self-driven professionals for the following positions:

Title: Head of Diaspora Banking
 

Ref: HR/DP/03/2013
 

The job holder will be responsible for developing new and existing markets, strategies and products, and lead the team to grow the Bank's Diaspora Banking business segment.

Key Responsibilities

• Define and manage the bank’s strategy to the Diaspora business segment and grow revenues
• Drive business growth targets in accounts, liability, assets and product usage.
• Grow ABC Bank market share for the global deposits from the Diaspora remittance inflows
• Manage product design & development targeted to the segment market to ensure they are internationally competitive
• Recruit agents for development of Diaspora Market with major focus in Middle East, USA, Africa and Europe.
• Develop linkages with Embassies and Missions to drive business development and relationship management.
• Design and maintain alternative channels for customer communication specific to
• Diaspora market segment to give a stellar customer experience, including chat and social networks.
• Manage and mitigate risks associated with this market segment
• Develop operations and risk policies to guide the bank in managing the Diaspora customers
• Manage the unit’s Portfolio At Risk (PAR) and ensure compliance to the enterprise wide risk management framework
• Motivate, coach and develop a high performing team.

Minimum Qualifications, Knowledge and Experience

• A Bachelor’s degree in business related field from a recognized University. A Master’s degree in a business related field will be an added advantage.
• 4- 5 years’ management experience in retail banking and good understanding of the global financial markets and the needs of Diaspora customers
• A thorough knowledge of retail banking products and services, mortgage products and extensive banking industry knowledge including internet based technologies
• A minimum of two (2) years’ experience in banking operations, sales and / or customer service

Key Competencies & Skills:

• Strong leadership skills with demonstrated competences in championing high performance management
• Experience in people management with excellent leadership skills
• Good business acumen
• Strong customer focus
• Strong analytical & problem solving skills
• Excellent planning skills
• Excellent communication & presentation skills
• Self-driven & results-oriented
• Strong interpersonal skills

Title: Branch Managers
 

Ref: HR/BM/02/2013 

Reporting To: Head of Retail Banking
 

The job holder will be responsible for business targets, profitability, growth and customer service for the assigned branch in line with the Bank’s strategy.
 

Key Responsibilities:

• Ensure that the Branch sales strategy is implemented and performance targets.
• Ensure fast, efficient and excellent customer service delivery, maintenance and improvement of banking service standards in order to ensure customer satisfaction and retention.
• Formulating and implementing Branch business plans, budgets and forecasts and ensuring their control and periodic reviews
• Building, developing, motivating and maintaining a high performing team.
• Implementing and monitoring the operational risk management guidelines for the Branch.
• Supporting marketing initiatives, monitoring and providing regular feedback on products performance.
• Maintaining the look, feel and physical security of the branch premises, staff and customers.
• Maintaining knowledge of regulatory and legal requirements relevant to the role.
• Cooperating fully with the Credit Department  in extending and enforcing credit policy
• Directing all operational aspects of the branch to include distribution, operations, customer service, human resources, administration and sales in a manner that supports reaching the profitability goals.
• Administration and efficient daily operation of a full service branch office, including operations, lending, product sales, customer service, and security and safety in accordance with the Bank’s objectives.
• Promoting the sales and service culture through coaching, mentoring, guidance and staff motivation relationships
• Maintains shared values

Minimum Qualifications, Knowledge and Experience

• Be a holder of Bachelor’s degree in a business related field from a recognized University.
• Professional banking qualifications such as AKIB will be added advantage
• Knowledge of operational policies, procedures and legalities relevant to branch operations
• At least 5 years’ managerial experience in the banking industry.

Key Competencies & Skills:

• Strong selling, communication and presentation skills
• Ability to lead teams and deliver business results
• Proficiency in analyzing financial statements
• Motivated self-starter, comfortable in fast-paced environment
• Strong leadership, motivation and managerial skills,
• Decision-making ability
• Team player with good analytical and excellent customer service skills.
• Proven track record in business development and management
• Passion and commitment to quality service delivery.

Title: Research Analyst, ABC Capital
 

Ref:  HR/RA/11/2013 
 

Reporting To: Manager, Research

Key Responsibilities

• Provide leadership to the Investment research strategy
• Prepare monthly Investment House view report and present it to the investment committee for review.
• Come up with dynamic Investment strategies.
• Monitor implementation of strategies as per Investment committee recommendations.
• Substantial involvement in Dealing and auxiliary Portfolio Management functions within investment funds.
• Analysis and recommendation of various Investment opportunities available within East Africa.
• Analysis and recommendation on both existing and potential unquoted investment investments.
• Lead role in investment committee meetings and morning meetings on Equities.
• Collate and assess external Investment research.
• Detailed programme of company visits.
• Prepare monthly unit trust fact sheets within 3 days from month end.
• Produce research and recommendation paper for any new offerings (IPO) within reasonable time of obtaining information memorandum.
• Trustee meeting attendance & reporting

Minimum Qualifications, Knowledge and Experience

• Bachelor of Commerce degree from a recognized institution, professional qualifications in investment, CFA, CISA, ACCA and CPA  will be an added advantage
• At least 3 years’ experience in research department, Stock Broking, investment banking, investment management or fund management.
• Skilled in both Fixed Income and Investment Markets functions and dealing.

Key Competencies & Skills: 

• Effective deal making and closure ability.
• Good networking in the investment Industry.
• Excellent excel skills including financial modelling.
• Strong technical analysis skills

Title: Relationship Officers - SME Banking
 

Ref: HR/RO-SME/10/2013 
 

Reporting To: Branch Managers

The successful candidates will be responsible for the growth of market share and profitability of the SME segment through product development and execution of the SME Banking strategy. 

This will involve ascertaining minimal risk exposure for the Bank and maintaining customer satisfaction through professional relationship building.

Key Responsibilities

• Liaison between branches and corporate anchors to grow business through SME & Supply chain solutions within ABC Bank.
• Providing timely and value added services across ABC Banks clientele, initiate and follow through partnerships and networking with Branches and Head Office Credit.
• Provide relationship management on matters regarding supply chain and SME between branches and head office.
• Responsible for the actual preparation of credit applications and supporting  loan documentation - Credit Origination Fulfilment
• By monitoring all loan facilities in the portfolio (on a joint responsibility basis with Credit Division) on a daily basis against set parameters/ conditions.
• Manage the day to-day SME portfolio of the BANK under the Head, SME Banking guidance
• Preparation of ICERS and TOD/EOL requests under the instructions of the Business Development Managers in SME.
• Sales support.
• To maximize revenue generation and margins for the BANK

Minimum Qualifications, Knowledge and Experience

• University degree in a business related field from a recognized university/ institution. Those with AKIB Diploma, CPA-K/CPS/ACCA and MBA will have an added advantage.
• 2 years proven experience in Banking sector and at least 1 year covering sales/relationship management.
• Knowledge in credit analysis and monitoring
• Knowledge in Bank products.

Key Competencies & Skills:

• Competence in credit skills, product development, sales and negotiations.
• Passion and commitment to quality service performance
• Excellent organizational, planning and analytical skills
• Financial analysis
• Computer literacy
• Trade finance

Title: Relationship Managers - Retail Banking
 

Ref: HR/RM-RB/09/2013 
 

Reporting To: Branch Managers

The successful candidates will be required to surpass or meet the set budget by creating and increasing awareness of the Bank and exploring other areas to attain incremental business for the Banks' various departments in order to increase profitability and develop long-term customer relationships.

Key Responsibilities

• Develop new contacts and relationships for the Bank
• Maintain existing clientele with the provision of personalized service and fast response
• Efficient management of individual and overall departments’ budgets and ensure deadlines are met
• Organize calls and follow-ups for potentially new business
• Preparation of all reports required to monitor work progress – daily, weekly and monthly
• Market research to monitor competitor activity, client needs and specific allocated sectors
• Handle queries and /or complaints from clients
• Development and implementation of products and strategies
• To identify the core markets for banks products and services so as to support planning, market segmentation and increase volume of deposits
• Extra duties and assignments outside the main responsibilities at the discretion of Line Managers and Senior management
• Organize and/or attend bank events and promotional activities.

Minimum Qualifications, Knowledge and Experience

• A university degree (Holders of a business related degree will have added advantage) from a recognized university.
• 4-5 years proven working experience in a banking environment
• Professional qualification such as C I M
• Proven track record of consistently exceeding set targets
• Excellent people management skills
• Versatility, flexibility, passion and commitment to quality service delivery

Key Competencies & Skills: 

• Organizational & administrative/co-ordination skills
• Computer literacy
• Able to work within a team
• Creativity and Public relations skills
• Selling skills
• Multi-tasking skills
• Good communication and relationship building skills
• Knowledge on banking products and /or services
• Ability to prioritize variety of duties in their respective workloads

Title: Relationship Manager - Corporate Banking
 

Ref: HR/RM-CB/08/2013 
 

Reporting To: Head of Corporate Banking

The job holder will be tasked with growing the business and maximizing profitability by marketing the Bank's lending products to corporate clients. 

This will involve ascertaining minimal risk exposure for the Bank and maintaining customer satisfaction through professional relationship building.

Key Responsibilities

• Prepare and submit credit proposals in conformity with credit policy guidelines and requirements in liaison with the Corporate Relationship Managers and to maintain a high standard of credit analysis
• Collect and analyze vital data on clients i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings, towards acquiring in-depth knowledge which will facilitate comprehensive review of assigned accounts relationships in the branch
• Obtain account statistics and profitability figures for facilities reviews/renewals/appraisal purposes and ensure that information provided is accurately completed and that relevant remarks are incorporated in the credit proposal
• Prepare excess approval requests/notification for all excesses
• Providing an interface between the bank, existing and prospective customers in order to maintain good customer relations, so as to meet customer needs within the strategic objective of the bank
• Make recommendation for existing and prospective customers under the various loan products and submit to the appropriate credit application formats within established turnaround time
• Run with a customer experience initiative to build customer loyalty for allocated portfolio
• Develop and manage customer relationships for the bank
• Organize calls and follow-ups for potentially new business as may be assigned in Talisma
• Preparation of all reports required to monitor work progress – daily, weekly and monthly
• Ensure an effective call program is maintained on all allocated relationships and prospects; (the calls should be recorded in Talisma CRM)
• Develop the corporate banking customer base and expand the unit’s business growth through marketing of the bank’s products and services
• Ensuring revenue growth through customer acquisition, new need identification, product cross-sell and re-engineering
• Ensure that the target market selection criterion is adhered to and that we are in full compliance with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements
• Participate in customer calls for marketing initiatives
• Assist in identifying customer needs not met by existing products and the implementation of new products and services
• Achievement of set revenue target for the unit by aggressive customer acquisition, efficient product delivery, offering a diverse range of products and excellent customer service
• Keep abreast of the rapid pace of product development to be able to sell new products
• Come up with customer service initiatives that will boost service and business growth
• Market research to monitor competitor activity and initiating product improvements to meet the changing consumer needs
• Efficient management of individual and overall departments’ budgets and ensure deadlines are met
• Encouraging customers to take up more loans and open up business accounts as a means of income generation to the bank
• Prompt calling of customers using  on a daily basis for accounts falling in arrears
• Develop more business from the existing clientele – i.e. increase share of wallet by cross selling all personal & Business banking products to all the existing and potential  customers
• Prospect, anticipate and close all sales leads within the shortest time possible in an efficient way
• Reviewing sales performance vs. target and making routine reports to respective RM
• Recommending to the RMs any business development opportunities for follow up
• Assist in identifying customer needs not met by existing products and the implementation of new products and services
• Manage customer queries, complaints and other correspondence in a timely manner and within set standards for customer satisfaction
• Manage the complaint’s register
• Assume direct responsibility for a corporate  banking process improvement project aimed at improving the department’s ability to deliver efficient and timely service to its customers
• Be conversant with policies and procedures pertaining to all bank products and services and are able to adapt to change in these as well as technological changes, and customer sophistication.
• Prepare draft credit application proposals and submit to RM  for approval and sign off
• Follow up credit matters with Corporate Credit Risk
• Continuous follow-up with customers and legal department to ensure perfection of securities

Minimum Qualifications, Knowledge and Experience

• A university degree (Holders of a business related degree will have added advantage) from a recognized university
• Credit analysis experience
• 4-5 years proven working experience in a Banking environment, exposure to Credit analysis is desirable
• Proven track record of consistently exceeding set targets
• Excellent people management skills
• Versatility, flexibility, passion and commitment to quality service delivery

Key Competencies & Skills: 

• Must possess very good analytical skills
• Must possess a high level of integrity
• Ability to work independently, consult and clarify where necessary and make informed and firm decisions
• Excellent interpersonal skills, with the ability to establish and develop relationships
• Must be pro-active, a self-starter and have the ability to anticipate and advice on strengths, weaknesses, opportunities and threats
• Ability to work through teams, deliver high quality work within deadlines, and to meet team objectives
• Excellent communication skills both written and oral, including the ability to convey ideas and positions clearly

Title: Relationship Managers – SME Banking
 

Ref:  HR/RM-SME/07/2013 
 

Reporting To: Branch Managers
 

The successful candidates will ensure that customers' requirements are met through product attributes and service expectations and will maintain close relationships between the Bank and its SME clients.

Key Responsibilities:

• Enhancement of wallet share for every client.
• Direct and through references, enhancement of business.
• Enhance sales in all other third party products for fee based earning.
• Preparing & implementing sales plan/activities to acquire, expand and retain profitable relationships
• Identifying and evaluating potential customers’ financial and service needs and recommend product/service offerings in liaison with Product Development Manager.
• Identifying and developing new profitable business relationships.
• Planning and implementing campaigns for sales promotions
• Providing timely and value added services across ABC Banks clientele, initiate and follow through partnerships and networking with Branches and Head office Credit.
• Provide relationship management on matters regarding supply chain and SME between branches and head office.
• Responsible for the actual preparation of credit applications and supporting  loan documentation - Credit Origination Fulfilment
• By monitoring all loan facilities in the portfolio (on a joint responsibility basis with Credit Division) on a daily basis against set parameters/ conditions.
• Manage the day to-day SME portfolio of the BANK under the Head, SME Banking guidance
• Sales support.
• To maximize revenue generation and margins for the Bank.

Minimum Qualifications, Knowledge and Experience

• University degree in a business related field from a recognized university/ institution. Those with AKIB Diploma, CPA-K/CPS/ACCA and MBA will have an added advantage.
• 3-5 years proven experience in banking sector and at least 2 years’ experience in a financial institution covering sales/relationship management
• Knowledge in credit analysis and Monitoring
• Knowledge in bank products

Key Competencies & Skills:

• Experience in resolution of customer complaints/relationship management
• Excellent high quality interpersonal, communication, selling and negotiation skills with the ability to network and develop strong business relations
• Excellent planning, organization, problem solving and analytical
• Competence in credit skills and product development
• Passion and commitment to quality service performance.
• Financial analysis
• Computer literacy
• Trade finance

Title: Specialist – Agribusiness - SME Banking
 

Ref: HR/SH-SME/06/2013  
 

Reporting To: Head of SME Banking

The job holder will be responsible for the growth of market share and profitability of the Agri-Business segment through product development and execution of the Agri-Business strategy.

Key Responsibilities:

• To implement the Agribusiness strategy for SME banking
• Develop annual plans for the business in-order to build a profitable asset portfolio and deposits from agribusiness sector.
• Grow and Maintain market share for assets and Liabilities in the Agribusiness Banking segment through innovative product development of the Agribusiness products and solutions for acceptable and commercially viable value chains.
• Analyze the market trends in the agriculture sector and competitively position the bank product offering for the agriculture sector.
• Develop and maintain strong relationships with stakeholders in the agriculture sector and actors for various value chains in order to tap in on banking opportunities
• Drive cross-selling of agribusiness products to existing and new ABC Bank customers.

Minimum Qualifications, Knowledge and Experience

• University Degree in a business related field from a recognized university/ institution. Those with an MBA or CIM, MSK/Agribusiness certification will have an added advantage.
• 4-6 years relevant experience in the agriculture sector and at least 2 years’ experience in a financial institution covering sales/relationship management.

Key Competencies & Skills:

• Experience in resolution of customer complaints/relationship management
• A thorough knowledge of Agribusiness products and Banking Industry knowledge.
• Excellent high quality interpersonal, communication and negotiation skills with the ability to network and develop strong business relations
• Excellent planning, organization, problem solving and analytical skills.

Title: Risk Manager
 

Ref: HR/RSKM/05/2013 
 

Reporting To: Head of Credit Risk & Legal

The job holder will be required to provide effective leadership to the Credit Analysts and manage all aspects in regards to credit in Corporate, Retail & SME Banking, in order to deliver acceptable levels of quality of advances and provide high quality services within the agreed service levels.
 

He/she will be responsible for structuring credit proposals, industrial research and reports.

Key Responsibilities

• Develop and implement policies and procedures for new advance products.
• Risk analysis of any new entrants for service provision for the bank and any investments that the bank would want to invest.
• Liaising with the credit analysts at the service outlet to ensure quality proposals are provided to enable management reach a quality decision.
• Ensure that service levels are adhered to.
• Actions pertaining to performance recognition of credit analysts within the department as provided for in human resources policies.
• Make decisions on inward clearing exception report requests, Temporary Overdrafts and Excess over Limits as provided for in the discretionary policy.
• Act as bridge between credit division and the bank in developing products that are suitable for the bank and ensuring that they are within the current policy and if not then seeking waiver of the same from the relevant authorities.
• Make recommendations on the credit line proposals enabling the next level of authority to make sound credit decisions.
• Ensure that there is coordination between all units of the bank i.e. Retail & SME Banking and Corporate Banking.
• Ensure that all credit proposals adhere to the laid down prudential guidelines.
• Establish and agree performance targets for the credit analysts.
• Being a member of product development team, ensuring that the new products add value to the existing products and develop processes and procedures for the same with a basis in credit.
• Analyze corporate, SME, personal credit proposals.
• Approve ENCs, Excesses and temporary limits.
• Drawing up of new procedures and policies for the newly introduced products.
• Training on bank’s products and overall credit analysis
• Adviser of the credit analysis team on the outcomes in the market that would affect the business.

Minimum Qualifications, Knowledge and Experience

• University Degree preferably in finance related field from a recognized institution.
• More than 5 years banking experience at least 4 must be in Credit
• Any professional qualification in Banking, Finance or Accounting.
• Knowledge of banking products, especially credit products.

Key Competencies & Skills: 

• Ability to provide leadership that motivates staff to maximize their productivity and retention.
• Knowledge of all lending products and the level of complexity inherent in those products.
• Ability to analyze all lending proposition and make sound recommendation/decision that will not adversely affect the Bank in the circumstances.
• Knowledge of changes taking place in both micro (banking industry) and macro (global) environment and ability to apply this knowledge to the benefit of the Bank.
• Skills in leadership.

Title: Credit Analysts
 

Ref: HR/CA/04/2013
 

The successful candidates will be responsible for providing credit analysis and risk, structuring credit proposals and presenting the same to the relevant credit committees.
 

They will also liaise with Credit Administration for post sanction functions.
 

They will provide operational support to the Business and assume accountability for credit transactions across the portfolio.

Key Responsibilities

• Effectively process, appraise and make recommendations on all business proposals
• Ensure all credit applications approval comply with the credit policy and procedures and are processed within the service level agreement.
• Monitor and evaluate the performance of the  team’s portfolio
• Preparation of management credit and statutory reports
• Participate in credit products review and development

Minimum Qualifications, Knowledge and Experience

• A University Degree in Finance, Accounting, Commerce or related field from a recognized University.
• Diploma in Credit Management / Professional qualifications (CPA, ACCA, AKIB)
• At least 4 – 5 years working experience in Credit Appraisals and/or Asset Finance
• Excellent skills in analysis of Credit and Financial statement Reports, Report writing and presentation skills
• Excellent communication skills (both written and oral), interpersonal skills and negotiation skills

Title: Business Development Managers (Mombasa and Kisumu)
 

Ref: HR/BDM/02/2013 
 

Reporting To: Branch Managers

The successful candidates will be the liaison between customers and the Bank, through product, service performance and communication with clients, ensuring that customer requirements are met through product attributes and service expectations.

Key Responsibilities

• Relationship Management and Business Development
• Conduct regular visits to new clients and existing clients
• Collate feedback and facilitate resolution of any outstanding issues between clients and Bank
• Grow supply chain financing products within respective Branches
• Provide training to staff, anchors and vendors on supply chain financing such as processing and documentation
• Work closely with Corporate Relationship Managers, Retail Relationship Managers and Branch Managers to drive adoption of supply chain financing and assist them in meeting the Assets targets by data mining and conducting visits to customer with existing line of credit in pursuit of more business.
• Manage client expectations, requirements and complaints in a professional and timely manner.
• Cross selling other Bank’s products
• Ensure customer retention by offering a wider product range to existing customers
• Mobilize deposits, CASA
• Provide leads and referrals to Corporate, Retail and Retail Alternative channels

Minimum Qualifications, Knowledge and Experience

• A degree in Business or Marketing related course from a recognized University
• Diploma in Marketing, Credit Management / Professional qualifications (CPA, ACCA, AKIB)
• Experience of 3-5 years in Business Banking

Key Competencies & Skills:

• Excellent communication skills both written and oral
• Excellent interpersonal skills, with the ability to establish and develop relationships
• Excellent negotiation skills
• Excellent analytical skills and attention to details
• Must possess a high level of integrity

Title: Group Head of Human Resources

Ref: HR/GHHR -HR/01/2013

Reporting To: Group Chief Executive Officer

The job holder will be responsible for management of the Human Resources function of the Group in a manner that ensures a motivating working environment and a skilled and passionate workforce that facilitates the achievement of strategic business objectives.
 

They will also ensure Group is in compliance with employment legislation and regulatory requirements.
 

He/she will proactively engage with staff to continually assess their skills gaps, training needs, plan for cross functional movement, and mentor them for future leadership roles and retaining them.

Key responsibilities

• Maintain high employee and customer satisfaction levels that are higher than the industry standards through strategic HR interventions
• Develop and implement a human resources management strategy based on the overall Group strategy to ensure that business objectives are met.
• Develop and continuously update human resource management policies and procedures including an optimal performance management system and process for Group.
• Responsible for talent management activities consisting of the development and implementation of relevant policies, processes and procedures. Assess staff skills within the Group against specified competencies, identifying skills gaps and putting in place staff development programmes that address such gaps.
• Develop and implement appropriate human resources planning and recruitment activities, implement staff retention strategies that reflect best practices.
• Administer and monitor the performance management systems (Balanced Scorecard) and ensure that HR department set SMART performance objectives that reflect the Group’s performance goals.
• Develop and implement appropriate succession plans that are linked to the group’s organization structure.
• Put in place optimal compensation and benefits systems, processes and standards that ensure that the Group’s pay structures are in line with market and to continually review these to remain competitive and affordable.
• Prepare and manage the Human Resource budget and ensure that it is utilized in an optimal manner.
• Manage employee discipline and ensure compliance with Group’s rules and regulations in all instances.
• Manage employee relations matters, train and offer general guidance to managers and supervisors on staff management skills.
• Continually review and update the terms and conditions of service of employees to ensure that the Group remains within common market practice and communicate to the staff appropriately.
• Implement employee health and safety standards ensuring that the Group is compliant with employment legislature
• Evolve and maintain an optimal organisation structure which will support the aspirational objective of all employees and strategic objectives of the group

Key Qualifications & Competencies

• Business related degree and or MBA as an added advantage.
• Or equivalent experience in Human Resources
• The person should have 10 years proven experience and track record in establishment and management of Human Resources, 5 of which should be at strategic level.
• Thorough knowledge of Labour laws
• Passion and commitment to quality service performance
• Excellent organizational, planning and analytical skills
• Good interpersonal, negotiation and communication skills
• Competence in managing people issues
• Perfect understanding of change management process and ability to institutionalize change initiatives into unique organizational culture.

If you believe you meet the above requirements, send your application together with a detailed CV indicating how your experience matches the position requirements, your current position, current remuneration and names and contacts of three referees.

All applications should be made via email: recruitment@abcthebank.com, quoting the full reference number on the subject line to reach us on or before 29th January, 2013.

Only short listed candidates will be contacted.

Canvassing will lead to automatic disqualification.