Job Description
Banking Jobs. Faulu Microfinance Bank Jobs
Job Purpose:
Working closely with the Business Growth & Development Manager, the job holder will ensure implementation of sales & business growth strategies while maintaining the quality of the MSME book. He/she will identify business growth opportunities, acquire clients in the area of jurisdiction, provide support through Faulu Business Account opening, manage daily utilization towards future lending, and build a sizeable portfolio in both deposits & MSME, ensuring excellent client experience.
Responsibilities
Key Measurable Goals:
- Achievement of quality portfolio to meet targets: <3% for above 30 days and nil for below 30 days.
- Timely loan recovery and follow-ups to minimize delinquencies and improve portfolio health.
- Client acquisition, increase rate of MSME loan uptake, and relationship management.
- Increase revenues through cross-selling of other bank products (e.g., sale of cheque books, mobile banking enrolment).
- Active deposit mobilization to meet set targets.
Key Responsibilities:
- Proactively market and generate business through client recruitment, deposit mobilization, and disbursement.
- Conduct regular visits and follow-ups with customers to ensure satisfaction and foster long-term relationships.
- Maintain up-to-date records of all customer visits.
- Cross-sell all Faulu products and services to both existing and potential clients.
- Undertake business growth initiatives including marketing activities, new business sign-ups, and new partnerships.
- Prepare credit appraisals and analyses, and present them to the Branch Credit Committee meetings for review & recommendations.
- Adhere to current procedures, processes, memos, and circulars as may be issued from time to time.
- Provide ongoing support to Remote Sales Consultants to enhance their productivity and effectiveness.
- Address all customer queries within stipulated Service Level Agreements (SLAs).
- Monitor portfolio quality on a daily basis and proactively institute remedial actions.
- Promote Digital Banking adoption by onboarding and supporting customers on Digital Banking platforms (Digi Cash, Internet Banking USSD Code).
- Liaise with the branch leadership team and local authorities (chiefs, opinion leaders) to reinforce loan collections.
- Monitor all transactions continuously to ensure unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO).
- Implement and enforce the board-approved AML, KYC & CFT policy within the area of responsibility.
Skills
- Business management skills
- Credit management skills
- Supervisory skills
- At least 4 years as a Universal Banker handling MSME loans
- Lending hands-on experience of at least 3 years
Competencies Required:
- Good communication
- Interpersonal skills
- Team leader/player
Qualifications
Education:
- Business-related degree from a recognized university
Professional Qualifications:
- Accounts Qualification, Section 4 of CPAs
Additional Qualifications/Experience (Preferred, Not a Requirement):
- Master’s degree
How to Apply
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