Assistant Manager, Balance Sheet Management at SBM Bank
The position will generate treasury revenue from asset &
liability management processes through strategic positioning of assets and
liabilities whilst effectively managing liquidity and interest rate risks
Key Responsibilities
- Maximize
in investment of excess cash and trading of Government Securities for the
bank
- Assist
in cash flow forecasting process for the group as part of liquidity
management and carry out liquidity scenario analysis.
- Ensure
Asset Liability Management (ALM) strategies are executed and monitored for
optimal revenue
- Provide
Asset Liability Committee (ALCO) with investments proposals and
substantive documents on market trends touching on interest rates.
- Ensure
that all types of liquidity risks within the bank are captured and
appropriately managed ensuring that the bank meets regulatory liquidity
requirements.
- Understand
business lending pipelines and provide appropriate funding solutions at
optimal pricing.
- Add
value to the Funds Transfer Pricing process and advice transfer rates to
various stakeholders on monthly basis or otherwise as per policy.
- Assist
Market Risk in the planning of ALCO meetings focusing on strategic ALM
concerns.
- Manage
efficiency and profitability of liquid asset portfolio, advising on yields
and amounts.
- Monitor
market conditions and explore hedging opportunities for the various books
and prepare the investment and divestment proposals
- Advice
on liability planning, pricing, and market trends
- The
role will be a proxy to the Forex (FX) and Money market Desks
Customers of this Position
- All
Departments in the Bank
Knowledge; Skills and Experience required for this Role
- Business
graduate from an accredited University with a Finance, Mathematics or
Economics Major
- Comprehensive
understanding of Money Market, FX market, Fixed Income and assets and
liabilities of a bank.
- Good
understanding of dynamics of financial markets and local / regional
regulatory environment.
- MBA in
Finance or CFA would be an added advantage
Competencies required for this Role
- Dynamic,
analytical and self-driven individual with the ability to work under
pressure.
- A
passion for performance, team play and achievement in a competitive and
dynamic environment
- Hardworking,
strategically minded individual with excellent communication, analytical
and interpersonal skills.
- Thorough
understanding of the Money markets/Forex procedures and practice and the
ability to interact with all levels of management and staff
- Must
have initiative to learn beyond scope of duty.
Funds management
- Source
funding for Bank’s cash position, when required
- Ensure
that we have sufficient assets to cover our liquid asset requirement
- Ensure
Knowledge of ALM and at least attend one ALCO meeting a quarter
- Ensure
knowledge of local regulatory pertaining to treasury and compliance of the
same
- Provide
backup for the Money Market Dealer and FX dealer.
Accountability
- Delegated
Authority;
- Management
of the Bank’s Assets and Liabilities
Senior Officer – Money Markets Dealer at SBM Bank
Daily dealing activity in accordance with the agreed
strategy and monitoring, funding, placing and Investing of Bank’s Liquid Assets
and Liabilities as well as assist the Forex & Money Markets (MM) desk in
the development of the bank’s liquidity and funding portfolios.
Key Responsibilities
Business Profitability
- The
dealer should be able to deal all MM instruments within the approved
limits and at appropriate market rates.
- To
assist in the continued development of multi-currency funding, investment
and hedging activity.
- To
balance the daily cash position ensuring all surplus funds are
appropriately invested or any deficit is funded accordingly at reasonable
rates.
Liquidity Management
- To
determine appropriate daily funding levels (bids) in accordance with
agreed strategy and borrowing appetite of the bank and project funding
position for a week ahead.
- Fund
the bank’s nostro accounts, central bank account and always ensure there
are sufficient funds to meet all the client’s needs at any time.
- To
accurately input all transactions on the Treasury Management System (Cash
Projection and Cash Reserve Ratio [CRR] projections) on a timely basis.
- Prudently
manage the CRR a/c
Customer Engagement
- To
produce daily Front Office reports on a timely basis.
- To
produce a daily schedule of upcoming funding and liquidity maturities.
- To
develop and produce management information on the performance of the
liquidity or funding portfolios.
- To
assist the Treasury Manager in researching additional investment or
funding instruments.
- Dealer
is proxy to the Spot trader and bond trader
Internal Business Processes
- To
ensure that all transactions are undertaken in accordance with Bank policy
and within policy limits at all times.
- Ensure
compliance with statutory, regulatory and bank policy in relation to
individual dealing activity
- Ensuring
sensitive and confidential data is managed appropriately at all times,
encrypted and password protected as directed by policies
- Ensuring
potential or actual breaches of IT and information security policies and
procedures are escalated immediately
Knowledge; Skills and Experience required for this Role
- Business
graduate from an accredited University with a Finance Major or any other
related discipline.
- In-depth
knowledge of money markets and financial instruments.
- Good
understanding of macro-economic indicators and their practical
implications on money market.
- Ability
to communicate at all levels.
- Professional
qualifications in ACCA/CPA/CFA/ ACI dealing certificate also desirable
- Proficiency
in Microsoft Office Suite.
Competencies required for this Role
- Knowledge/experience
of FX contracts, debt capital markets, securitization, covered bonds,
asset & liability management techniques, IAS 39.
- Able
to contribute innovative ideas to improve the performance of the Treasury
function and to assist in core business development and meet targets.
- Have
good communication skills to cultivate & develop a long relationship
with clients.
- Ability
to cooperate with fellow employees and work closely as a team player
within the department, marketing department, customer service and treasury
back-office.
- Good
time management & multi-tasking skills.
- Ability
to handle pressure & stress of market volatility during trading,
excessive workload and extra responsibilities.
- Good
analytical skills and problem solving skills.
- Thorough
understanding of the Forex procedures and practice and the ability
to interact with all levels of management and staff
- Excellent
negotiating and interpersonal skills.
- Must
have excellent leadership, organizational, and planning skills
Branch Manager at SBM Bank
JOB SUMMARY:
- The
overall responsibility for the Branch Manager is to oversee business
development and operations of the Branch while ensuring staff engagement,
customer satisfaction, profitability and growth in line with the Bank’s
strategy.
KEY RESPONSIBILITIES:
Business Acquisition – 60%
- To
implement the Bank’s business development strategy at branch level
including growth in customer base with concurrent growth in branch
liabilities, assets, products per customer.
- To
formulate and implement branch business plans, forecasts, pipelines and
budgets and ensure their control and periodic reviews.
- To
support marketing initiatives, monitor and provide regular feedback on
products performance and ensure branch staff are well versed with all the
banks products.
- To
maintain and submit the Branch Manager – Sales Activity Report on a
regular basis as per the agreed SLAs.
Service Delivery – 10%
- To
oversee customer service delivery, maintenance and improvement of service
standards in order to ensure customer satisfaction and retention through
effective use of tools provided such as the Customer Relationship
Management platform.
- To
implement and monitor the operational and business risks management
guidelines for the branch to maximize profitability.
- To
maintain the look, feel and physical security of the branch premises for
the benefit of staff and customers.
- To
adopt and take responsibility for the daily operational routines as
stipulated by the Branch Manager Daily Routine Guidelines (BM-DRG) without
fail.
People Management – 20%
- To
provide leadership, direction to the branch team.
- To
build, develop and motivate a high performing team through performance
coaching and use of the available performance management and talent
management tools provided by T & OD.
- To
identify training gaps and recommend on required training interventions.
- To
propagate and uphold the SBM Culture and cascade the SBM Vision, Mission,
Strategy, Values, 9 Habits and Core competencies to the branch team.
Compliance – 10%
- To
ensure compliance with both internal and external regulatory requirements.
- To
work closely with risk and compliance units to ensure effective controls
to mitigate against operational and business risks.
- To
ensure implementation and compliance with operational policies and
procedures.
KEY RELATIONSHIPS:
Direct Reports to this Position:
- Service
Delivery Manager
- Relationship
Managers and Officers
Customers of this Position:
- All
Branch clientele
Knowledge; Skills and Experience required for this Role:
- Be a
holder of Bachelors degree in Business related field.
- 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.
Competencies required for this Role:
- Entrepreneurial
and Commercial Thinking
- Leading
and Supervising
- Relating
and Networking
- Persuading
and Influencing
- Presenting
and Communicating Information
- Delivering
Results and Meeting Customer Expectations
- Deciding
and Initiating Action
- Planning
and Organizing
Senior Manager, Information Systems Audit at SBM Bank
Key Responsibilities
Strategic Management – 25%
- Lead
implementation of the IT Audit Strategy in compliance with IT audit
standards.
- Prepare
and execute a risk-based IT Audit plan in line with the IT Audit Strategy.
- Carry
out value for money reviews by evaluating the business case for the
proposed investments in information systems to determine whether it meets
business objectives.
Internal Audit and Continuous Improvement – 15%
- Determine
and highlight the key IT audit findings for reporting to relevant
stakeholders.
- Facilitate
the identification of current or emerging IT process weaknesses and advise
on remedial actions.
Operations and Sustainability – 30%
- Review
of the IT strategy and its alignment to the business strategy.
- Review
of the IT Security policies, standards and controls for completeness and
alignment to generally accepted practices e.g. ISO 27001;
- Evaluate
the risk management practices to determine whether the bank’s IT related
risks are adequately managed.
- Follow
up on all IT audit recommendations to ensure the timely implementation of
controls.
Systems and Policy Development – 20%
- Review
and make a judgement on the system controls including those relating to
achieving value for money and the prevention and detection of fraud.
- Provide
advice on proposed IT developments such as major new systems and proposed
IT related initiatives to help ensure risks are properly identified and
evaluated and appropriate controls are built in.
Leadership – 10%
- Provide
leadership to the department staff, supervise and manage their performance
and development in line with the various financial services objectives.
Key Relationships
Direct Reports to this Position
- Assistant
Manager – 2
Customers of this Position
- Chief
Operations Officer
- Director
Internal Audit
- Director
IT and entire IT & IT Security Teams
- Head
of IT Audit (Group)
Knowledge, Skills and Experience required for this Role
Job Knowledge
- In-depth
understanding of bank operating environment with experience in review of
major banks IT operating systems.
- Knowledge
and experience in the use of Computer Aided Auditing Tools and Techniques
(CAATTs) e.g. ACL.
- Detailed
knowledge of information systems governance and security principles &
practices e.g. IS027001, COBIT and ITIL frameworks.
- Detailed
knowledge of ISACA’s information system auditing standards and principles.
- Knowledge
of audit planning and audit project management techniques, including
follow-up.
- Detailed
knowledge of risk assessment concepts, tools and techniques in an audit
context.
- Detailed
knowledge of control objectives and controls related to information
systems.
- Knowledge
of database administration practices and operating system technologies
Job Experience
- At
least 10 years working experience in auditing of information systems or
managing IT projects.
Education:
- Bachelors’
degree (2nd Upper and above) in Computer Science, Information Systems
Management, Business Administration or related fields). Master’s degree is
an added advantage.
- Qualifications
in Certified Information Systems Auditor (CISA), Certified Information
Security Manager (CISM), Certified in Risk and Information Systems
Controls (CRISC) and CISSP (Certified Information Systems Security
Professional);
- Must
be a member of ISACA
- Other
qualifications such as CIA, CPA (K), ACCA, six sigma or ACIB would be an
added advantage.
- ICT
certifications (CCNA, MCSE, ITIL, PRINCE2) an added advantage.
Competencies required for this Role
- Applying
Expertise and Technology
- Analytical
skills
- Presenting
and Communicating
- Delivering
Results and Meeting Customer Expectations
- Adapting
and responding to change
- Entrepreneurial
and Commercial Thinking
Assistant Manager, Credit Collections at SBM Bank
Job Summary
- Reporting
to the Senior Manager, the role holder will be responsible for
handling a specific portfolio of delinquent credit facilities, mainly but
not exclusively in the Watch Category, within the Corporate, Retail, and
SME segments of the Bank, with the objective of putting in place and
adopting appropriate strategies within policy guidelines and regulations
to minimize credit losses and ensure the portfolio remains profitable in
line with SBM Bank business objectives.
Key Responsibilities
Operational – 45%
- Daily
monitoring of the allocated portfolio of delinquent term loans, cards, and
overdraft facilities to determine reasons for delinquency by application
of sound credit judgment, collections strategy, and process within
predetermined broad policy guidelines and regulation to minimize credit
losses.
- Work
with branches to ensure all customers are contacted on default and collate
all information received from the branches in relation to loans and
overdraft performance.
- Drive
the usage of the Debt Management System at the branch level with relevant
reports and escalations where there is non-compliance.
- Using
existing Collections reports and systems available from time to time,
follow up with clients within your own portfolio to recover arrears.
- Undertake
timely collections actions through effective communication and negotiate
with customers on their past due facilities while ensuring that subsequent
actions on the facilities, if required, are not unduly delayed.
- Quick
identification and escalation of collections exceptions in one’s own
portfolio to the reporting line that require approval or consideration of
alternative recovery actions. Ensure all collection actions taken are in
the Debt Management System at all times.
- Efficiently
maintaining an accurate diary of collections actions undertaken on one’s
own portfolio with timely follow-up of due actions.
- Ensure
individual performance objectives and measures are agreed upon with the
line manager.
- Constant
liaison with the business network to undertake appropriate measures on the
allocated collections portfolio to offer alternative solutions for
customers.
Relationship Management – 20%
- Respond
to customer complaints and queries and escalate unresolved cases for
collections management review and advice.
- Application
of world-class customer service standards at all times while handling
customers issues, walk-in customers, and customer correspondences assigned
on recovery related matters.
People Management – 10%
- From
time to time as requested, oversee the team performance, initiate work
plans, and attend Team leaders’ meetings.
- Ensure
leave is well managed in the team by ensuring there is a plan and
providing succession leadership to the team.
Compliance – 25%
While the role holder is expected to apply reasonable
judgment to enhance maximization of value for the bank at all times, commitment
to the guidelines below is non-negotiable:
- Compliance
with the SBM Bank Loss Recognition and forbearance policies
- Compliance
with Central Bank’s Prudential Guidelines and Risk Management guidelines
- Compliance
with Consumer Protection Act
- Compliance
with SBM Bank’s customer service standards, values, and
habits
Key Relationships
Direct Reports to this Position
- N/A.
Customers of this Position
- All
Departments in the Bank
- Service
Providers (auctioneers, valuers, yards & advertisers).
Knowledge; Skills, and Experience required for this Role
- 5
years’ experience in a debt collections & recovery function within a
financial institution
- University
degree in a business-related field from a recognized institution.
- A
communication with excellent negotiation & organizational skills.
Competencies required for this Role
- Analytical
and numerical skills
- Communication
skills (written and verbal)
- Interpersonal
skills
- People
management skills
- Negotiation
and Influencing skills
- Spreadsheet/Database
Skills
- Planning
and personal organization
- Problem-solving
skills
- Service
excellence
- Operational
excellence
- Customer
handing techniques
Relationship Manager, Business Banking at SBM Bank
JOB SUMMARY:
The overall purpose of this role is to achieve business
growth for the Bank by selling products and services to SMEs within assigned
market segments and by promoting and selling other products and services of the
Bank to enhance value-added relationship with existing customers.
KEY RESPONSIBILITIES:
Strategy – 20%
- To
support the branches in increasing business in the sectors and segments
allocated.
- Ensure
implementation of the SME Banking strategy in line with the allotted
Sector / Segment and aligned to the overall strategy of the Bank.
Acquisition: Business Development – 35%
- To
onboard new customers so as to grow the Bank’s liabilities, Assets and
NFI
- To
service existing customers so as to continuously grow the Bank’s
liabilities, Assets and NFI
- To
increase product usage amongst existing customers in the portfolio
assigned
- To
increase account activity and utilization amongst existing customers in
the portfolio assigned
- To
ensure continuous engagement
- To
play a key role in product development relevant to the SME Banking
sector.
- To
evaluate credit proposals and ensure the credit applications process on a
timely basis with the bank’s set turnaround times.
- To
effectively manage and expand the relationships with existing SME banking
clients and bringing in new partnerships so as to ensure business growth
and continuity.
- To
ensure continuous improvement in customer service and implementing
effective retention of customers within the corporate banking framework.
Cross-sell, Retention & Servicing of Clients – 25%
- Provide
advice on potential financial solutions based on identified needs
- Understand
and Resolve and where necessary, escalate client queries in a timely and
appropriate manner
- Analyze
financial requirements of customer and match with the Bank’s product
offerings
- To
grow the Bank’s wallet share in the SME banking sector within the
designated portfolio / segment.
- To
evaluate credit proposals and ensure the credit applications process on a
timely basis with the bank’s set turnaround times.
- Develop
and maintain strong working relations with all existing clients at key
levels to optimize the utilization of approved facilities
- Ensure
renewal of facilities such as overdrafts are undertaken in a timely manner
and no limits expire / mature
- Ensure
proper communication to clientele in respect to any changes in the Banks
services or products
- Manage
all facilities in the portfolio to maintain an acceptable PAR
- Ensure
that the client has an active account by frequently reviewing the account
to ensure that there are regular transactions depending on the nature of
the clients business.
Compliance – 10%
- To
ensure compliance with both internal and external regulatory requirements.
- To
work closely with risk and compliance units to ensure effective controls
to mitigate against business risks associated with corporate banking.
Talent Management – 5%
- Ensure
personal development.
- Ensure
development of the team by also effectively charting their career paths.
Other – 5%
- To
safeguard and promote the bank’s image with the general public.
KEY RELATIONSHIPS:
Direct Reports to this Position;
- N/A.
Customers to this Position;
- SME
Clientele
- Trade
Finance
- Treasury
- All
HODs
- Regional
Manager
- Branches
Knowledge;
- Skills
and Experience required for this Role
- Bachelor’s
degree from an accredited University preferably with a Major in Finance,
Accounting, Marketing or Economics
- Excellent
interpersonal skills
- Excellent
communication and presentation skills
- Organizing
and planning skills
- Information
gathering, monitoring and analytical skills
- Problem
analysis and solving skills
- Decision
making skills
Competencies required for this Role
- Emotional
Intelligence; Dynamic individual with the ability to work under
pressure
- A
passion for performance, building team play, and achievement in a
competitive and dynamic environment
- Commercial
awareness and customer focus
- Strong
networking skills, for both internal and external networks
- Delivering
Results and Meeting Customer Expectations
- Achieving
Personal Work Goals and Objectives
- Entrepreneurial
and Commercial Thinking
- Persuasion
and Influencing
- Presenting
and Communicating Information eloquently
- Relating
and Networking
- Working
with People
Problem Solving
- Ability
to maintain a quality Asset book
- Ability
to handle customer complaints and expectations in a diplomatic way
- Ability
to foster teamwork with colleagues to enhance a good working environment
- Ability
to conduct oneself in a professional manner ensuring that the Bank’s image
and reputation is protected
- Knowledgeable
in analysing of statements of accounts and annual financial reports to
ensure that the company’s earnings are correct in terms of industry and
period of analysis
Accountability
- Ensuring
timely submission of reports
- Ensuring
seamless execution of tasks
- Ensuring
adherence to the department’s SLA
- Ensuring
a customer satisfaction/retention mechanism
Branch Manager at SBM Bank
JOB SUMMARY:
The overall responsibility for the Branch Manager is to
oversee business development and operations of the Branch while ensuring staff
engagement, customer satisfaction, profitability and growth in line with the
Bank’s strategy.
KEY RESPONSIBILITIES:
Business Acquisition – 60%
- To
implement the Bank’s business development strategy at branch level
including growth in customer base with concurrent growth in branch
liabilities, assets, products per customer.
- To
formulate and implement branch business plans, forecasts, pipelines and
budgets and ensure their control and periodic reviews.
- To
support marketing initiatives, monitor and provide regular feedback on
products performance and ensure branch staff are well versed with all the
banks products.
- To
maintain and submit the Branch Manager – Sales Activity Report on a
regular basis as per the agreed SLAs.
Service Delivery – 10%
- To
oversee customer service delivery, maintenance and improvement of service
standards in order to ensure customer satisfaction and retention through
effective use of tools provided such as the Customer Relationship
Management platform.
- To
implement and monitor the operational and business risks management
guidelines for the branch to maximize profitability.
- To
maintain the look, feel and physical security of the branch premises for
the benefit of staff and customers.
- To
adopt and take responsibility for the daily operational routines as
stipulated by the Branch Manager Daily Routine Guidelines (BM-DRG) without
fail.
People Management – 20%
- To
provide leadership, direction to the branch team.
- To
build, develop and motivate a high performing team through performance
coaching and use of the available performance management and talent
management tools provided by T & OD.
- To
identify training gaps and recommend on required training interventions.
- To
propagate and uphold the SBM Culture and cascade the SBM Vision, Mission,
Strategy, Values, 9 Habits and Core competencies to the branch team.
Compliance – 10%
- To
ensure compliance with both internal and external regulatory requirements.
- To
work closely with risk and compliance units to ensure effective controls
to mitigate against operational and business risks.
- To
ensure implementation and compliance with operational policies and
procedures.
KEY RELATIONSHIPS:
Direct Reports to this Position:
- Service
Delivery Manager
- Relationship
Managers and Officers
Customers of this Position:
- All
Branch clientele
Knowledge; Skills and Experience required for this Role:
- Be a
holder of Bachelors degree in Business related field.
- 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.
Competencies required for this Role:
- Entrepreneurial
and Commercial Thinking
- Leading
and Supervising
- Relating
and Networking
- Persuading
and Influencing
- Presenting
and Communicating Information
- Delivering
Results and Meeting Customer Expectations
- Deciding
and Initiating Action
- Planning
and Organizing
Senior Relationship Manager, Institutional Banking at SBM Bank
JOB PURPOSE
Reporting to the Head of Institutional Banking; the role
involves the management of business development activities from prospecting,
acquisition, and retention of the corporate banking customers along various
business lines both in volumes and incomes.
KEY RESPONSIBILITIES
Strategy & BD – 55%
- To
implement the Institutional Banking Unit strategy in line with the overall
Bank’s Strategy; to ensure achievement of profitability targets through
growth of assets, deposits, revenue maximization and prudent cost
management for the assigned Sector.
- Drive
sustainable growth through the delivery of innovative and customized
financial solutions to meet identified customer needs.
- To
Build and maintain productive and strategic relations with customers/
suppliers/ line manager/ stakeholders to drive the development and
delivery of business solutions and revenue growth for the specific sectors
or portfolio.
- Ensure
strong cross-selling of existing and new products to existing and new
clients; and in this process, maintain effective liaison with all relevant
business units in the bank.
- Champion
the delivery of consistent, seamless, and trusted customer service to
ensure customer retention and loyalty.
- Maintain
a detailed and current understanding of the industry (s); (at a macro,
sector specific, current market structures; regulatory requirements and
issues) to ensure that opportunities are realized and the risks mitigated.
- Ensure
timely submission of quality credit proposals in conformity with the
Credit Policy guidelines and requirements.
- Maintain
a strong pipeline for business development and prepare account plans for
all customers under the portfolio.
- Maintain
a good quality of assigned portfolio within stipulated Non-Performing
Loans (NPL) and Portfolio at Risk (PAR) parameters.
- Ensure
timely preparation of relevant reports and daily monitoring of accounts to
ensure facilities have accurate interest rates and are within the approved
limits. To ensure that all the covenants set in the facility documents are
met and to take remedial actions in line with policy where there is any
breach.
Compliance – 20%
- Ensure
compliance with both internal and external regulatory requirements,
- Compliance
with the Bank’s policies, procedures, and regulatory requirements,
- Working
closely with risk and compliance units to ensure effective controls to
mitigate business risks associated with institutional banking,
- Developing
and continuously reviewing business operational policies and procedures
ensuring their compliance,
- To
ensure strict compliance with the various local laws, jurisdictions, bank
risk standards and custodial services policy guide as regulated by RBA
& CMA.
Human Resource – 20%
- Oversee
management of assigned team,
- Develop
career growth and personal development plan for team members,
- Assess
the training needs analysis for team members to be incorporated into the
overall departmental training plan
- Lead,
motivate, and continuously develop a credible high performing team.
Other – 5%
- Safeguard
and promote the bank’s image with the public.
KEY RELATIONSHIPS
Direct Reports to this Position
- Relationship
Manger
- Assistant
Relationship Manager
Customers of this Position
- Branch
Managers
- Business
Development Team
- Credit
Risk and Monitoring
KEY EXPERIENCE AND COMPETENCIES
Knowledge: Skills and Experience required for this Role
- Business
graduate from an accredited University
- At
least 5years’ experience in Corporate Banking is required.
- Professional
Qualifications CPA, ACCA, CFA, AKIB Added Advantage
- Master’s
Degree Finance or a Business-Related Field Added Advantage
Competencies Required for this Role
- Dynamic,
analytical, and self-driven individual with the ability to work under
pressure.
- A
passion for performance, team player and achievement in a competitive and
dynamic environment
- Excellent
selling, presentation, and negotiation skills
- Strong
networking skills
- Commercial
awareness and customer focus
- Ability
to close deals and pitch customers on offerings in the Bank and Group
Officer, Account Management Unit at SBM Bank
Job Summary
The overall purpose of the Account Management Officer
position is to deliver exceptional service through timely account processing
with the aim of deepening our customer relationships.
Key Responsibilities
Operations – 65%
- Ensure
compliance with bank operational and customer care policies and procedures
- Handle
the following processes in line with Bank’s policies and operating
procedures:
- Opening
of accounts upon receiving all the relevant documents and ensuring that
they are all approved by authorized signatories
- Maintenance
of customer account details in the bank systems as per duly approved
instructions and bank policies and procedures
- Updating
mandates (signatures and photos) in the relevant bank systems
- Verification
of cheque book orders from branches as per set Service Level Agreements.
- Activation
of dormant accounts upon receiving all the relevant documentation.
- Facilitation
of duly approved Bank initiated closures.
- Any
other duties as may be allocated
Compliance – 25%
- To
ensure compliance on bank operations policies and procedures.
- Comply
with respective Money Laundering Prevention Procedures and be alert at all
times to unusual or possibly suspicious activity, and report to the
Manager Accounts Management Unit, and any other relevant Bank authority.
Customer Care – 10%
- Responding
to queries regarding account processing within the set Service Level
Agreements with precise resolutions.
- Escalate
all customer issues beyond job scope to the Manager Accounts Management
Unit and ensure follow through for closure.
Key Relationships
Customers of this Position – Internal Customers (Staff)
Knowledge, Skills and Experience required for this Role
- Bachelor’s
degree in any discipline with a minimum of second class division or
equivalent.
- Minimum
B- in KCSE or equivalent
- Computer
Literacy
Competencies required for this Role:
- Working
with People Shows respect for the views and contributions of other team
members: shows empathy; listens, supports and cares for others;
consults others and shares information and expertise with them; builds
team spirit and reconciles conflict; adapts to the team and fits in well.
- Relating
and Networking Easily establishes good relationships with customers and
staff: relates well to people at all levels; builds wide and
effective networks of contacts; uses humor appropriately to bring warmth
to relationships with others.
- Delivering
Results and Meeting Customer Expectations Focuses on customer needs and
satisfaction: sets high standards for quality and quantity;
monitors and maintains quality and productivity; works in a systematic,
methodical and orderly way; consistently achieves project goals.
- Following
Instructions and Procedures Appropriately follows instructions from others
without unnecessarily challenging authority; follows procedures and
policies: keeps to schedules, arrives punctually for work
and meetings; demonstrates commitment to the organization; complies with
legal obligations and safety requirements of the role.
- Achieving
Personal Goals and Objectives Accepts and tackles demanding goals with
enthusiasm: works hard and puts in longer hours when it is
necessary; seeks progression to roles of increased responsibility and
influence; identifies own development needs and makes use of developmental
or training opportunities
Manager, Core Banking Products at SBM Bank
Job Summary
The role involves:
- Take
the lead in actualizing the vision and roadmap for core banking products
covering lending products, savings accounts and transactional accounts
(CASA) aligned to Bank’s overall strategy.
- Lead
cross functional team to implement identified products or products
enhancements in Flexcube core banking system
- Work
with pillar heads to gather business requirements and translate that to
solutions for customers
- Document
required product features and act as the liaison person with technology
team to ensure requirements are well understood for subsequent
implementation
- Collaborate
with other Product Leads to create bundled solutions anchored on core
banking systems.
- Lead
core banking products development process end-to-end from conception to
commercialization
- Champion
continuous products enhancement by adding new products, enhanced product
features to keep products attractive and competitive in the market.
- Identify
new market opportunities through research, competitor analysis and
incorporating customer feedback.
- Act
as the key liaison person with technological functions both withing the
Bank and external providers to create, test and roll out new products.
- Monitor
product performance against set KPIs and generate reports with actionable
insights to business heads
- Ensure
compliance to product policy in new products approval and risk management
Key Responsibilities:
Time Product Management -60%
- Implementation
of products as defined in the roadmap for core banking products covering
Lending Products, Savings Accounts and Transactional Accounts (CASA)
aligned to Bank’s overall strategy.
- .Lead
core banking products development process end-to-end from conception,
design, development, testing, production releases to commercialization.
- Own
full product life cycle covering post launch improvements.
- Implement
optimal pricing for bank products to meet business objectives while
ensuring competitiveness.
- New
products enhancement in line with emerging needs and opportunities.
- Manage
product backlog and prioritize product development initiatives.
- Oversee
and manage changes done on core banking products.
- Ensure
accurate and up to date product parameters are implemented in the system
including charges and rates.
Business Development- 20%
- Support
business heads in designing product adoption strategies including cross
sell /upsell opportunities
- Have
a shared ownership for business KPIs on core banking products – CASA and
Loans
- Work
with marketing to organize market activation drives and campaigns for
target products
- Product
performance monitoring and reporting – define KPIs for product success in
conjunction with Business heads
- Drive
products innovations by embedding value added service from other product
lines
- Ensure
continuous customer education and knowledge on core banking products
Governance, Risk and Compliance – 10%
- Ensure
all bank products are duly approved by relevant stakeholders in line with
Products & Innovations policy.
- Work
with the compliance team to confirm/ensure that Bank’s products are
approved and in compliance with CBK regulations and other applicable local
and international laws
- Ensure
all products meet defined KYC/AML standards set by the bank
- Work
closely with Data Protection Officer to ensure adherence to set
regulations on data protection for all bank products.
- Periodic
review of operational policies and procedures as developed by the Risk and
Compliance departments for adoption.
- Conduct
regular business risk assessments, highlighting major risks to key
stakeholders and recommending mitigations for identified risks.
Training and Awareness – 10%
- Act
as the product training champion across the branches and head office
departments to promote product knowledge.
- Ensure
that key facts document is up to date accurate. 3. Work with marketing
team to ensure all customer facing collaterals like user guides, tariff
guides FAQs, webpages, Application forms and other relevant information
sources are up to date and accurate.
Key Relationships
Direct Reports to this Position – N/A
Customers of this Position:
- Corporate
Business
- Retail
and SME Business
- Bank
Branches
Knowledge, Skills and Experience required for this Role
Job Knowledge:
- Deep
understanding of core banking products, savings, current accounts and
lending products
- Ability
to grasp new ideas quickly and translate them into solutions
- Excellent
knowledge of Flexcube core banking system.
- Knowledge
of CBK prudential guidelines, rules and regulations
Job Experience:
- 7+
years’ experience in leading CASA and Loans product management
Education:
- Bachelor’s
Degree from a recognized university in Business related field.
Desired qualities for this Role:
- Attention
to details and organizational skills
- Flexibility
to handle multiple complex projects
- Proven
ability to build relationships and work effectively in cross-functional
teams
- Highly
analytical and organized.
- Results
oriented and self-driven.
- Customer
empathy
- A
critical thinker and problem solver.
- Innovation
driven and champion.
Assistant Relationship Manager, Institutional Banking at SBM Bank
Job Summary
development role to offer bank products and services to
corporate and institutional clients, high net worth individuals and investment
groups; whilst ensuring that the customers are retained profitably. It also
involves offering support to the Business Development Team as a Corporate
Analyst. The main duties of this role shall include preparation of credit
proposals, credit analysis and monitoring, Liaising with clients and other
departments on documentation, and service for the assigned portfolio etc.
Key Responsibilities
Strategy
- To
implement strategies towards targeting financial institutions for the
purpose of acquiring liabilities, assets and non-funded income lines et
al
- To
ensure adequate customer retention strategies are employed to attain
growth from existing customers.
- To
implement strategies towards the growth of Custody in a bid to grow the
banks NFI.
Business Development
- To
ensure efficient database relationship management for both prospective 35%
and existing business
- To
ensure implementation of the relationship management policy and procedures
for institutional banking – financial institution clients.
- Creating
sustainable services business pipeline and conversion to into business
covering corporate and institutional clients, HNIs and investment groups.
- To
attend institutional banking functions and constantly expand, network
within those institutions,
- To
offer advisory services to the same institutions related to cash
management and investment options
- To
review positions with existing institutions with an aim of cross selling
and wallet sizing within the institutions
- Sector
performance & analysis: Should maintain relevant reports and data of
existing Institutions as well as keep up to date on developments in the
said institutions
- Constant
research on the economic atmosphere with regard to the various sectors in
the industry.
Processing
- Appraise
/Process Credit Applications & make necessary recommendations with the
goal of ensuring that the Bank maintains a good quality asset book and is
able to minimize credit risk through timely and high-quality credit
reviews.
- Support
the Corporate Relationship Managers to ensure an efficient turnaround time
for all customer facilities and enquiries. The goal is to ensure that the
Corporate Clients receive superlative service.
- Daily
monitoring of accounts to ensure operations within the approved limits.
- Taking
remedial action by pursuing customers on regularization of overdrawn
positions
- Be
the custodian of the department’s documents e.g. stamps, mail registers
stationery etc.
- Support
revenue growth by ensuring that all income due to the bank is identified
and collected.
- Liaise
with other units of the Bank to effectively serve the corporate Credit
staff and clients. This will include receipt of mail, offer letters and
customer documents, forwarding the same to other units e.g. Credit
Administration, Approvals and Monitoring, Relationship Managers etc.
- Ensuring
that clients submit their financials, profiles, annual returns and filing
receipts and any other requirements stipulated by the contracts between
the bank and the client.
- Action
all corporate customer queries and resolving issues within the set
turnaround time (seamless account opening for new clients; sending
statements)
Compliance
- Ensure
compliance with both internal and external regulatory requirements
- Working
closely with risk and compliance units to ensure effective controls to
mitigate business risks associated with institutional banking
- Developing
and continuously reviewing business operational policies and procedures
ensuring their compliance
- To
ensure strict compliance with the various local laws, jurisdictions, bank
risk standards and services policy guide as regulated by RBA & CMA.
Other
- 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
- University
Degree from a recognized institution,
- Possession
of a post graduate degree or professional qualification, an added
advantage
- Minimum
3 years’ experience in Relationship Management and at least two years in
- Banking
operations with a strong emphasis on service delivery
- Possess
networking skills in both formal and social gatherings
- Must
possess sound knowledge of Bank products
Competencies Required for this Role:
- Emotional
Intelligence; Dynamic, individual with the ability to work under pressure
- Selling
skills
- Strong
networking skills, for both internal and external networks
- Relationship
Management skills with excellent Human Relations skills, communication
skills and interpersonal skills
- A
passion for performance, building team play, and achievement in a
competitive and dynamic environment
- Hardworking,
strategically minded individual with organizational and planning skills
- Commercial
awareness and customer centric
- Pleasant,
well-groomed and self-driven
- Problem
Solving
- Analytical
- Self-Driven
- Professionalism
- Innovation
Head of Employee Relations & HR Services at SBM Bank
Job Summary
The overall purpose of this role is to lead the development
and implementation of strategies, policies and processes to foster positive
employee relations within the Bank with key responsibilities being managing
employee relations cases, developing communication strategies and ensuring
compliance with employment laws and regulations.
Key Responsibilities
Employee Relations – 70%
- Develop
and implement strategies to foster positive relationships between
employees and the business.
- Provide
guidance and support to managers and employees on employee related
matters, including conflict resolution, performance management and
employee engagement.
- In
liaison with the Forensic Department and other concerned Departments, line
managers and staff, investigate or coordinate the investigation of staff
cases relating to disciplinary and grievance matters.
- Participate
as the Bank’s lead in the KBA – CBA negotiations, implementation and any
trade disputes that may arise within the Bank and the Industry.
- Represent
the Bank in the Employment & Labour Relations Court &
Conciliations over labour related matters and case management and ensure
least exposure.
- Participate
and influence key working groups, committees, internal/external bodies
shaping future policy areas of employment relations.
- Remain
up to date with local legislative changes and developments, building
external networks and knowledge, to be viewed both internally and
externally as an expert in the ER field.
- Manage
employee discipline and performance improvement processes
Policy Development:
- Partner
with the HR Director and Risk Department to craft and update policies
governing employee and industrial relations.
- Ensure
all HR policies are compliant with legal standards and aligned with
organizational goals.
- Monitor
emerging trends and legislative shifts in Employee Relations and recommend
proactive policy responses in collaboration with senior management.
Compliance:
- Maintain
up-to-date knowledge of employment laws, labor regulations, and
industry-specific guidelines to ensure organizational compliance.
- Ensure
adherence to legal requirements across all HR functions, including fair
employment practices, equal opportunity and labor standards.
- Provide
expert guidance to management and staff on employment-related issues such
as workplace policies, benefits administration, and performance
management.
- Support
the development and implementation of compliant HR practices that align
with both legal mandates and business objectives.
Grievance Management & Conflict Resolution:
- Address
employee grievances, complaints, and workplace concerns with fairness,
confidentiality, and objectivity.
- Lead
investigations into grievance-related matters, facilitate dispute
resolution processes, and recommend appropriate corrective or preventive
actions.
- Serve
as an advocate and trusted resource for employees, ensuring their rights
are upheld and concerns are resolved constructively.
- Provide
strategic counsel to senior leadership on complex employee relations
issues, balancing organizational goals with legal and ethical
considerations.
- Represent
the Bank in labor court proceedings, Ministry of Labour conciliations, and
industry-level engagements through the Kenya Bankers Association.
Occupational Health & Safety:
- Ensure
full compliance with the Occupational Health and Safety Act and other
relevant workplace safety regulations.
- Maintain,
review, and recommend improvements to OHS policies and procedures to
promote a safe and healthy work environment.
- Communicate
OHS policies effectively across the organization and provide guidance to
employees on safety protocols and responsibilities.
- Collaborate
with internal stakeholders to identify and mitigate workplace hazards,
fostering a culture of safety and well-being.
Employee Communication Management & Employee
Engagement:
- Design
and implement communication strategies that keep employees informed and
engaged on organizational changes, policies and labor-related
developments.
- Develop
and deliver targeted training programs for managers and staff on key
topics including employee relations, conflict resolution, company
policies, employment laws, and HR procedures.
- Foster
a culture of awareness, accountability, and compliance by collaborating
with internal stakeholders across departments.
- Ensure
consistent messaging and learning initiatives that reinforce
organizational values and legal obligations.
Business Partnership & Strategic Collaboration:
- Cultivate
strong, trust-based relationships with business leaders, managers, and
employees across the organization.
- Actively
engage with stakeholders through regular business meetings and
collaborative projects to understand operational needs and provide
strategic HR insights.
- Influence
decision-making by aligning Employee Relations initiatives with broader
organizational objectives and business priorities.
- Serve
as a trusted advisor, leveraging deep HR expertise to guide leadership on
workforce strategy, change management, and employee engagement.
Human Resources Services – 30%
- Oversee
management of physical and digital HR records, ensuring compliance with
legal and internal document retention policies.
- Lead
the HR Services Team in delivering payroll, benefits administration, and
general HR support with efficiency and accuracy.
- Ensure
timely and responsive delivery of HR services to all staff across the
organization.
- Champion
optimal utilization of the HRMIS platform, maintaining accurate and
up-to-date employee data.
- Drive
employee engagement initiatives to foster a motivated and connected
workforce.
- Develop
and implement staff welfare policies that promote a positive work
environment and enhance employee experience.
- Administer
staff insurance programs, including medical and group life coverage.
- Generate
HR reports, conduct data analysis, and manage statutory returns in line
with regulatory requirements.
Key Relationships:
Direct Reports to this Position – 4
Customers of this Position
- Members
of staff
- Service
Providers
- External
Stakeholders – Ministry of Labour, KBA, BIFU, FKE
- External
and Internal Auditors
Knowledge, Skills, Qualifications and Experience required
for this Role
Role Knowledge:
- Labour
Unions & Collective Bargaining Understanding
- Policy
development skills
- Sound
knowledge of the principles and practices of employee labor relations.
- Good
understanding and application of employment law and regulations.
- Demonstrable
experience executing programs that positively impact employee relations.
- Ability
to coordinate and prioritize conflicting assignments
- High
sense of professionalism and confidentiality
- Mediation,
Conflict Resolution & Counselling Skills
Role Experience:
- 10
years’ experience in a busy Human Resources Department
- 5
years’ experience in Employee & Labour Relations preferably in a
Banking / Unionized Environment
Educational & Professional requirements:
- Bachelor’s
degree in Human Resource Management or a business-related field from an
institution recognized by the Commission for Higher Education.
- Higher
Diploma in HR or CHRP
- A
full Member of IHRM with an active membership
Competencies required for this Role
Core Competencies:
- Integrity,
Confidentiality & Ethics: Upholds the highest standards of
professional conduct, trust, and discretion
- Interpersonal
Skills: Builds strong relationships and fosters collaboration
across all levels
- Communication: Delivers
clear, empathetic, and strategic messaging to diverse audiences
- Problem
Solving: Approaches challenges with creativity, logic, and a
solution-oriented mindset
- Legal
& Policy Knowledge: Applies deep understanding of employment
law and internal policies to guide decisions
- Coaching
& Development: Supports growth and capability-building
through mentoring and structured learning
- Negotiation
Skills: Navigates complex discussions with tact and influence,
especially in labor relations
- Conflict
Resolution: Facilitates fair and effective resolution of
workplace disputes
- Analytical
Skills & Attention to Detail: Interprets data and trends
accurately to inform strategic HR actions
Managerial Competencies:
- Resilience: Maintains
composure and effectiveness under pressure, adapting to change with
agility
- Influence
& Persuasion: Shapes outcome through clear reasoning,
relationship-building and strategic advocacy
- Emotional
Intelligence: Demonstrates empathy, self-awareness and the
ability to manage interpersonal dynamics with tact
- Strategic
Thinking: Anticipates future trends, aligns HR initiatives with
long-term business goals and drives organizational success
Branch Manager
The overall responsibility for the Branch Manager is to
oversee business development and operations of the Branch while ensuring staff
engagement, customer satisfaction, profitability and growth in line with the
Bank’s strategy.
Assistant Manager, Information Security
Assistant Manager, IT Security is responsible for managing
and enhancing the organization’s cybersecurity framework, safeguarding the
bank’s systems, data, and network. This role includes deploying, monitoring,
and maintaining a variety of security solutions, ensuring the protection of
critical banking infrastructure. The Assistant Manager will oversee the
deployment and administration of security technologies, collaborate with the
security team, investigate and respond to security incidents, and stay current
on evolving cyber threats to ensure a comprehensive defense against
cyberattacks.
Relationship Manager, Business Banking
The overall purpose of this role is to achieve business
growth for the Bank by selling products and services to SMEs within assigned
market segments and by promoting and selling other products and services of the
Bank to enhance value-added relationship with existing customers.
Intern, Procurement
To manage and deliver effective procurement and purchasing
services to all areas of the business whilst establishing the best practice
procurement and purchasing systems and procedures. The role holder will enhance
purchasing processes and align the procurement function with the organizational
strategy in supporting the Bank’s operations and mission