JOB SUMMARY:

• To provide professional treasury services to the banks existing and potential business, Commercial and Retail clients with a view to increase FX flows.
• To manage, develop and grow the FX portfolio of the dealing clients within SBM Bank branch clusters.
• To implement the sales plans to ensure that ambitious revenue targets based on the Bank’s 10X growth plan are achieved.
• To plan, co-ordinate and monitor growth of sales on FX products.

KEY RESPONSIBILITIES:

• Develop a clear, concise and focused sales plan in light of existing treasury sales strategy, detailing activities to be carried out to ensure sales targets are
  met.
• Develop a database of qualified leads through referrals, telephone canvassing, face to face, cold calling on business owners, direct mail, emailing and
  networking.
• Persistently acquire new retail and corporate forex clients from a particular cluster and sector(s) allocated and within specified target sectors.
• Sells consultatively and makes recommendations to prospects and clients on various solutions the bank has to offer to their business issues
• Developing and maintaining solid relationships with new clients.
• Keeping customers informed on what is happening in the market and concluding deals with them within approved limits.
• Carrying out market intelligence and collating new information on market trends and competitor activities on behalf of the bank and treasury
  department.
• Sales administration – Maintains accurate records of all sales and prospecting activities including call reports, client pipelines, new client’s database, sales
  progress reports and other reports as requested.
•  Provide ongoing product training to all business clients RMs, BDs and branch staff.
• To assist in marketing of new FX products.
• To participate in various client functions, conduct client surveys and conduct Focus groups to ensure product and market intelligence feedback is
  solicited, and used in a way which enhances SBM Bank’s competitive position.

KEY RELATIONSHIPS:

Direct Reports to this Position

• N/A

Customers of this Position

• All External FX customers

Knowledge; Skills and Experience required for this Role

• Graduate from an accredited university in a business related field.
• 3 years experience in a banking institution or FMCG
• Basic knowledge on SME and Corporate banking products and services.
• Excellent networking skills and a sound knowledge of the banking environment.
• Very strong interpersonal skills.

Competencies Required for this Role

• Effective Communicator
• Ability to Listen
• Asks Great Questions
• Problem Solver
• Well Organized
• Self-Starter and Self-Finisher
• Positive Self Image
• Well Mannered and Courteous
• Naturally Persuasive
• Person of Integrity

JOB SUMMARY:

The position will be responsible for recovery on the special assets portfolio with the objective of putting in place and adopting appropriate strategies within policy guidelines and regulation to minimize credit losses and ensure the portfolio remains profitable in line with SBM Bank business objectives.

KEY RESPONSIBILITIES:

Strategy - 25%

• Ensure continuous new learning debt recovery techniques within the special assets team through attending trainings.
• Implement and drive innovative and effective debt recovery strategies.
• Ensure compliance with all controls, rules, policies, procedures, and regulations within the special assets team.

Operations - 20%

• Ensure recovery of the Bank’s special assets portfolio with a view of maximizing profitability for the Bank;
• Review special assets client files to identify and select the most appropriate remedial action either collection, restructure or place the company under receivership.
• Recommend write-offs and restructures on Non-Performing special assets accounts to the special assets Manager for review and recommendation by the Management Credit Committees as per the Central Bank of Kenya Regulations.
• Attend meetings with the special assets team to review portfolio performance and NPL rate with a view to making appropriate recommendations on any action to be taken and maintain low NPL.
• Ensure compliance to the Bank’s Credit Policy and Procedures with regard to management of debt recovery process.

People Management - 30%

• Maintain good coordination between the Special assets team and the debt management team.
• Undertake periodic performance reviews (Balance scorecard) for the special assets portfolio.
• Identify self-coaching, training needs, and mentorship aimed at building knowledge and expertise as well as ability to manage their account portfolio.
• Ensure that Best Practice, Skills and Knowledge are shared across the team and wider Credit department, where appropriate working with other areas of the Bank.

Compliance - 20%

• Ensure compliance with both internal and external regulatory requirements.
• Working closely with risk and compliance units to ensure effective compliance standards are consistently met within the unit.
• Developing and continuously reviewing Credit policies and procedures ensuring their compliance.

Other - 5%

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

KEY RELATIONSHIPS:

Direct Reports to this Position

• Senior officer Special assets
• Officer special assets

Knowledge; Skills and Experience required for this Role

• 5 years’ experience in a debt recovery function with at least 1 year in a management role.
• University degree in a Business related field from a recognized institution.
• Excellent Communication and Negotiation skills.

Competencies Required for this Role

• Experience or sound understanding of credit life-cycle and debt recovery process/techniques.
• Strong credit analytical, communication and negotiation skills and assertive.
• A passion for performance and ability to work under pressure.
• Key understanding of regulatory and legal environment.

Problem Solving

• Analytical
• Assertive
• Decision making
• Communication

Accountability 

• Delegated Authority; As defined in approved DLA matrix