Background

At Sidian Bank, we recognize the significant accountability and inherent risks that an entrepreneur takes to make his ideas and dreams a reality. It is for this reason that our mission is to empower entrepreneurs to create wealth through provision of transformational financial solutions that meet entrepreneurs needs and facilitate growth through convenience and choice.

Key Responsibilities/ Accountabilities:

Validation/Confirmation of pre-approval documentation.

• Confirmation of the checkoff loan application documents mainly the pay slip and the employment letters/contracts at the employers to ascertain the authenticity of the same.
• Confirm customer’s credit worthiness as per Kenya Human Resource Information System (KHRIS)
• Confirm that the customer has no pending disciplinary issue at the employer through contacting the various payroll managers for the various institutions.
• Verifying authenticity of third-party documents such as loan statements
• Validation of bank statement (salary account statement) in Bank statement analyzer system (SpinCrunch)
• Independent CRB check of the borrower through Trans Union/Metropol
• Ensuring authorization forms are signed by the employer where applicable

Turn Around Time and SLA Adherence

• Ensure employer confirmation is done on time to avoid delays in loan processing
• SLA Achievements – comply to set departmental SLAs.
• Improve Customer Satisfaction Index
• Improve departmental Net Promoter Score (NPS).
• Provide a high level of service to the internal customer based on accuracy, responsiveness and turnaround time (TAT).

Risk and Compliance Management

• Conducting weekly call back snap checks on sampled checkoff loan applications to ensure that the call back forms have been dully filled and that actual call backs have been done to the immediate supervisors.
• Ensure documentation of all applications are in place and are valid.
• Ensuring all applications have all required documents and the application is fully completed
• Ensuring that loan and salary statements are authenticated.
• Ensuring that all credit proposals submitted are compliant and in case of any breaches to policy/MOUs, these have been identified and mitigated adequately
• Ensure that the Department’s Risk & Control Self Assessments (RCSAs) are done in line with the SLA in place
• Achieve satisfactory ratings and outcomes from Internal Audit and Enterprise Risk Management

Portfolio Quality Management & Reporting

• Ensuring the correct credit worthiness of a client is captured to ensure 100% adoption
• Recommend changes in facility structures in the best interest of the clients and the Bank
• Preparation of daily work reports and any other reports that are required from time to time.

Other Roles

• Liaising with the various internal and external stakeholders for efficient processing of checkoff loans.
• Any other duties as may be assigned by the line manager.

SKILLS & COMPETENCIES

• Sound knowledge of Bank products and services.
• Strong understanding of Kenya’s government payroll systems
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong communication, presentation, and negotiation skills.
• Attention for detail and capacity to meet strict deadlines.
• Individual leadership skills, excellent planning and organizing skills.
• Mature personality & team player.
• Flexibility and an ability to change focus areas when needed.
• Self-driven, self-motivated and a self-starter with a proven performance record.
• Excellent understanding of personal banking business.
• Exhibits an exceptional degree of creativity and resourcefulness.
• Excellent business relationship management skills.

WORK EXPERIENCE

• At least three years relevant work experience in both credit and operations (retail/personal banking and/or credit/ scheme loans processing)
• Detailed knowledge of specific Retail Credit Products that a salaried customer may require
• Knowledge and effective application of the Bank’s Credit policy & procedures, processes and systems
• Knowledge and effective application of Prudential Guidelines and Banking Act.

ACADEMIC BACKGROUND

• University degree preferably in Accounting, Finance, Management or Business Related
• Good Computer skills – ability to use MS Word, Power-point, Advanced Excel and Analysis of Data

PROFESSIONAL CERTIFICATION

• Diploma in Banking – AKIB (is an added advantage)
• Certified Public Accountant CPA (Section 2)
• Certified Credit Professional (CCP)

• Confirmation of the checkoff loan application documents mainly the pay slip and the employment letters/contracts at the employers to ascertain the authenticity of the same.
• Confirm customer’s credit worthiness as per Kenya Human Resource Information System (KHRIS)
• Confirm that the customer has no pending disciplinary issue at the employer through contacting the various payroll managers for the various institutions.
• Verifying authenticity of third-party documents such as loan statements
• Validation of bank statement (salary account statement) in Bank statement analyzer system (SpinCrunch)
• Independent CRB check of the borrower through Trans Union/Metropol
• Ensuring authorization forms are signed by the employer where applicable
• Ensure employer confirmation is done on time to avoid delays in loan processing
• SLA Achievements – comply to set departmental SLAs.
• Improve Customer Satisfaction Index
• Improve departmental Net Promoter Score (NPS).
• Provide a high level of service to the internal customer based on accuracy, responsiveness and turnaround time (TAT).
• Conducting weekly call back snap checks on sampled checkoff loan applications to ensure that the call back forms have been dully filled and that actual call backs have been done to the immediate supervisors.
• Ensure documentation of all applications are in place and are valid.
• Ensuring all applications have all required documents and the application is fully completed
• Ensuring that loan and salary statements are authenticated.
• Ensuring that all credit proposals submitted are compliant and in case of any breaches to policy/MOUs, these have been identified and mitigated adequately
• Ensure that the Department’s Risk & Control Self Assessments (RCSAs) are done in line with the SLA in place
• Achieve satisfactory ratings and outcomes from Internal Audit and Enterprise Risk Management
• Ensuring the correct credit worthiness of a client is captured to ensure 100% adoption
• Recommend changes in facility structures in the best interest of the clients and the Bank
• Preparation of daily work reports and any other reports that are required from time to time.
• Liaising with the various internal and external stakeholders for efficient processing of checkoff loans.
• Any other duties as may be assigned by the line manager.

• Sound knowledge of Bank products and services.
• Strong understanding of Kenya’s government payroll systems
• Excellent interpersonal skills and demonstrated conflicts resolution skills.
• Strong communication, presentation, and negotiation skills.
• Attention for detail and capacity to meet strict deadlines.
• Individual leadership skills, excellent planning and organizing skills.
• Mature personality & team player.
• Flexibility and an ability to change focus areas when needed.
• Self-driven, self-motivated and a self-starter with a proven performance record.
• Excellent understanding of personal banking business.
• Exhibits an exceptional degree of creativity and resourcefulness.
• Excellent business relationship management skills.

• University degree preferably in Accounting, Finance, Management or Business Related
• Good Computer skills – ability to use MS Word, Power-point, Advanced Excel and Analysis of Data
• Diploma in Banking – AKIB (is an added advantage)
• Certified Public Accountant CPA (Section 2)
• Certified Credit Professional (CCP)