JOB SUMMARY:

To be responsible for vetting of all approved facilities due for booking ensuring compliance with all Credit policy and underwriting standards, Delegated Lending Authorities and Service level agreements.

KEY RESPONSIBILITIES:

Strategy -10 %

• Actively ensure SBM bank’s Growth and asset quality improvement strategy is met through booking of facilities as per established credit framework, policies and procedure and ensuring income are collected for all facilities extended to clients.

Operations - 60%

• Deputize the Manager in day to day running of the of documentation unit
• Oversee joint registration of log books and MPRS agreement registration
• Liaise with business partners to ensure log book processing and reconciliation are in order
• Follow up on delays of MPRS or Joint registration receipts
• Responsible for loan take overs and audit confirmations
• Receive record and distribute all work from branches
• Ensuring that offer letter and accompanying documents have been fully and duly executed
• Preparing checklists and booking memos once all documentation is received.
• Creation of Credit files and filing the respective documents therein.
• Sending communication back to the respective Relationship Officers where documentation is incomplete and ensure follow up on the same to compliance.
• Clearing the applications on the work queue once done
• Ensuring individual MI is populated daily
• Give weekly return on all work processed each Wednesdays
• Give weekly return of all reworks to the branch with reasons

People Management - 10%

• Deputize the manager in managing officers in the team
• Ensure proper understanding the business expectation by having a SMART balance score card.
• Ensure timely performance review by line manager.
• Maintain good teamwork and respect for all staff within and without the department
• Ensure to attend but also complete assigned online trainings

Compliance - 20%

• Credit Policy Manuals, Departmental Operating Instructions, prudential guidelines and SLAs
• Banks Anti Money Laundering Policies and Procedures in conformity with defined
  standards and guidelines
• Other internal and external regulatory requirements

Other - 10%

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

 KEY RELATIONSHIPS:

Direct Reports to this Position

• N/A

Knowledge; Skills and Experience required for this Role

• Bachelor’s degree in an Analytical/Business related Field
• 5 years of experience in Banking industry
• Excellent Communication skills.
• Experience in Credit Evaluations

Competencies Required for this Role

• Experience or sound understanding of Credit analysis, credit risk and the operations in a credit processing environment Knowledge of relevant lending products.
• Analytical skills including business plan analysis, numerical and financial analysis and interpretation
• Key understanding of regulatory and legal environment

Problem Solving

• Time management
• Analytical and methodical
• Decision making
• Organisation

JOB SUMMARY:

• To oversee and manage monitoring of disbursed facilities to ensure sustenance of a high quality portfolio.
• To lead the unit in monitoring disbursed facilities to ensure compliance with Credit policy, underwriting standards and approval terms and conditions as well as tracking and ensuring adherence to approvals covenants.

KEY RESPONSIBILITIES:

Strategy - 10%

• Play an active role in execution of SBM bank’s Growth strategy in terms of Assets growth by monitoring sanctioned facilities to ensure sustenance of high quality and compliance with sanction terms and conditions and other approval covenants. 
• Review of booked facilities to ensure they are booked correctly and that all income due to the Bank is collected promptly.
• Ensuring continuous process reengineering with a view to improving efficiency to ensure compliance with set Service Level Agreements.
• Review and recommend modifications in the Credit Policies and Credit Procedure manuals to support the Bank where new processes are identified or processes modified.
• Give guidance and mentoring to the team members to improve performance and retain talent.

Operations - 50%

• Review all disbursed facilities to ensure accuracy of the booking and compliance with approval terms and conditions and adherence to approval covenants.
• Reviewing performance of all the performing accounts from time to time to ascertain their health, identify any early warning signs for effective and timely remedial action to ensure sustenance of a healthy portfolio.
• Review and manage monitoring and follow up facility covenants as well as review of financial health of borrowing accounts under the performing portfolio.
• Review collections comments from time to time and intervene on sensitive accounts in terms of exposure or progression of DPDs.
• Prepare and coordinate preparation of and presentation of monthly Portfolio Review Report to PRC during monthly portfolio review meeting.
• Prepare and coordinate presentation of Loan Arrears and collection reports to during monthly EAC meetings for all the business segments.
• Monitoring construction projects financed by the Bank and conducting joint site visits before tranche disbursements to facilitate onsite review.
• Review and ensure compliance with specific covenants meant to ensure sustenance of quality portfolio and favourable returns from specific relationship managers.
• Carry out review of the dairy and track follow up of any approved exceptions as well as renewal of periodic covenants.
• Offer guidance and direction to the team on various issues.
• Any other duty as may be assigned from time to time.

People Management - 15%

• Manage the staffing, workload and output of all staff in the Credit Monitoring unit.
• Evaluate the performance of the staff in the unit.
• Maintain good coordination between the Credit Monitoring and other units, credit collections, DRU and business development.
• Ensure commensurate training of all Credit staff, in new or modified credit Procedures, forms, credit policies.
• Provide administrative and mentoring support to all staff in Credit monitoring unit.
• Prepare the annual performance unit agreements to be presented to the Director of Credit for integration into the bank’s overall annual plans.

Compliance - 20%

• Credit Policy Manuals, Product guidelines and Credit Procedure manual prudential guidelines and SLAs.
• Legal regulations.
• Other internal and external regulatory requirements.

Other - 5%

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

KEY RELATIONSHIPS:

Direct Reports to this Role

• Credit Monitoring team.

Knowledge; Skills and Experience required for this Role

• Comprehensive banking background and extensive experience in credit monitoring and loan portfolio management.
• Bachelor’s degree in a business management discipline in either; finance, business and economics or related field.
• A professional qualification in CPA/ ACCA/ AKIB or equivalent.
• Excellent Communication skills.

Competencies Required for this Role

• Ability to work effectively as a team. (Team player)
• Excellent analytical, problem solving skills
• Excellent communication skills, both oral and written
• Strategic outlook of the organization and industry.
• Key understanding of regulatory and legal environment
• Problem solving
• Analytical and methodical
• Decision making

Problem Solving

• Analytical and methodical
• Organisation
• Decision making

Accountability

• Signing mandates

JOB SUMMARY:

To oversee and manage monitoring of disbursed facilities to ensure sustenance of a haigh quality portfolio. To lead the unit in monitoring disbursed facilities to ensure compliance with Credit Policy, underwriting standards and approval terms and conditions as well as tracking and ensuring adherence to approval covenants.

KEY RESPONSIBILITIES:

Strategy - 10%

• Play an active role in execution of SBM bank’s Growth strategy in terms of Assets growth by undertaking a thorough and informed credit appraisal and analysis to ensure sustenance of high quality SME loan book. 
• Ensuring continuous process reengineering with a view to improving efficiency to ensure compliance with set Service Level Agreements.
• Review and recommend modifications in the Credit Policies and Credit Procedure manuals to support the Bank where new processes are identified or processes modified.
• Give guidance and mentoring to the team members to improve performance and retain talent.

Operations - 50%

• Execute Credit underwriting/approvals function in line with Bank Credit Strategy and the overall Bank growth strategy;
• Undertake timely review of credit application within stipulated turnaround time;
• Oversee daily review loan workflow in the system (when available) to assess the number of loan applications received, the turnaround time of every step in the process e.g., analysis/approvals of TODs, Credit applications, Waivers, Early Draw Downs etc. ;
• Conduct random review of the credit files to make sure that prescribed standards being adhered to;
• Review and sign all Credit Approvals loan reports prior to distribution for accuracy and completeness;
• Providing input for the development and review of credit process and related credit projects/credit products; and
• To undertake branch visits and client visits as per business needs.

People Management - 15%

• Manage the staffing, workload and output of all staff in the SME Credit Analysis unit.
• Evaluate the performance of the staff in the unit.
• Maintain good coordination between the Credit Approvals, other credit units, Legal department, business development team and Head of Credit.
• Ensure commensurate training of all Credit Approvals staff in new or modified credit procedures, forms, credit policies.
• Prepare the annual performance unit agreements to be presented to the Head of Credit for integration into the bank’s overall annual plans.

Compliance - 20%

• Credit Policy Manuals, Product guidelines and Credit Procedure manual prudential guidelines and SLAs.
• Legal regulations.
• Other internal and external regulatory requirements.

Other - 5%

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

KEY RELATIONSHIPS:

Direct Reports to this position

• SME Credit Analysts 

Knowledge; Skills and Experience required for this Role

• Comprehensive banking background and extensive experience in credit Analysis and underwriting.
• Bachelor’s degree in a business management discipline in either; finance, business and economics or related field.
• A professional qualification in CPA/ ACCA/ AKIB or equivalent.
• Excellent Communication skills.

Competencies Required for this Role

• Ability to work effectively as a team. (Team player)
• Excellent analytical, problem solving skills
• Excellent communication skills, both oral and written
• Strategic outlook of the organization and industry.
• Key understanding of regulatory and legal environment
• Problem solving
• Analytical and methodical
• Decision making

Problem Solving

• Analytical and methodical
• Organisation
• Decision making

Accountability

• Signing mandates.

JOB SUMMARY:

To provide professional ICT support and administration that would ensure stable operations of the bank's IT system through best practices and the appropriate collaboration with technical, business and third party organizations.

KEY RESPONSIBILITIES:

• To ensure all bank systems avaibility to all users and ensure maximum usage and output of software to facilitate all and any of the Bank Operations.
• Put security measures in place to protect bank systems.
• Ensure effective enterprise data backup management.
• Install and configure Software and Hardware.
• Responsible for managing, troubleshooting and proactively updating hardware amd software assets to prevent downtime or zero-day exploits from occuring.
• Install, configure and upgrade Banking application and System environments whenever required.
• Work with the information security office to ensure system compliance.
• Constantly check on global threats to the computer system environments and put preventive measures against any threat.
• Participate in the design, setup, implementation and testing business continuity  and disaster recovery installations with the bank.
• Adhere to the bank's IT security policies, standards and procedures.
• Test backup and fallback procedures  for all Business Systems.
• Keep an inventory of accurate and up to date Server Assets and Systems.
• Install, support and administer servers, printers and the PC Networks.
• Attend  to all ICT Helpdesk requests.
• Report and log all risk events  and service exceptions.
• Regular review of GAB users  and server user profiles for all systems.
• Ensure all changes are done  in an approved manner.
• Explore new technologies  and trend related to computer systems.
• Manage Service Level Agreements for both internal and external customers and suppliers.
• Manage and maintain all data centre standards, procedures, health and safety, and day to day infrastructure  performance issues.
• Provide training to the users whenever applicable.
• Quickly resolve any system  failures and troubleshoots issues and outages.
• Upgrade systems with new releases and models.
• Data center maintenance, i.e., AC, UPS, Power, Access, Fire suppression, alarms, Cleaning etc.
• Set up accounts, databases, servers and workstations.
• Monitor performance and maintain systems according to requirements.
• Troubleshoot issues and outages.
• Ensure security through access controls, backups and firewalls
• To liaise with external suppliers and support agencies for the ongoing support and maintenance of relevant hardware and software. Ensure timely processing of the invoices.
• Review vendor contracts and assist in negotiating with vendors for the purpose of providing the bank cost effective and reliable services.
• Investigates, plans, implements, tests, and debugging, patching and upgrading base operating systems software & firmware.
• Monitor & report performance of replication services between DC and DR sites. DR maintenance. Manage the configuration and operation of DC and DR servers.
• Analysis and assessment of business needs and requirements versus system support.
• Support system upgrades and apply fixes/patches related to infra unit. 
• Assist in delivering system solutions and implement projects to meet business, operation and compliance objectives.
• Follow-up audit findings, propose remediation and ensure rectification or mitigation be carried out successfully.
• Prepares written materials (e.g. procedures, system level documentation, SOPs, reports, memos, letters, etc.) for the purpose of documenting activities, providing written reference, and/or conveying information.
• Perform change management risk reviews and post implementation reviews for all change requests.

KEY RELATIONSHIPS:

Direct Reports to this position

• None

Customers of this position

• All Departments in the Bank

Education, Knowledge, skills and Experience required for this Role

• University degree in Computer Science / IT related field, however, a Master’s degree in IT would be an added advantage.

Preferred Certifications required for this role:

• Microsoft Certified Solutions Engineer (MCSE)
• Microsoft Certified Systems Administrator (MCSA) 
• Red Hat Certified System Administrator (RHCSA)
• Red Hat Certified Engineer (RHCE)
• VMware Certified Professional 6 & above - Data Center Virtualization
• A minimum of 5 years of proven experience as a System Administrator or similar role
• Experience with databases (MSSQL and Oracle), networks (LAN, WAN) and patch management
• Knowledge of system security and data backup/recovery
• Experience with various operating systems and platforms
• Experience with various storage (SAN) platforms 
• Resourcefulness and problem-solving aptitude
• Proven experience as a System Administrator or similar role
• Knowledge of system security (e.g. intrusion detection systems) and data backup/recovery
• Familiarity with various operating systems and platforms
• VMWare / Kubernetes / Dockers administration – Should be aware of implementation, management as well as monitoring the data growth rate and utilization.
• Strong troubleshooting skills and change management skills. 
• Issue management and problem resolution skills.

Competencies required for this Role

Key:

• In-depth knowledge of and experience with Microsoft Windows Server, Unix/Linux and AIX Operating Systems.
• Awareness and understanding of business requirements of IT.
• Willingness to keep up to date with developments in new technology.
• Commitment to continuing professional development (CPD).

Interpersonal: 

• Goal focused and able to spot business opportunities
• Builds networks and maintains strong relationships
• Able to manage and influence others to achieve results
• Has passion and drive to achieve results under difficult circumstances
• Pleasant and able to relate well in diverse social setups and teams 
• Upholds high standard of Professionalism, integrity and respect for others 

 Management and leadership ability:

• Capacity to influence decisions at various levels
• Communicates effectively
• Ability to prioritize and manage several open cases concurrently
• Ability to be self-drive