Internship | Job Vacancies at Gulf African Bank

Branch Operations Manager at Gulf African Bank

The job holder is responsible for the overall management of the Branch operations to achieve and maintain good customer relations, operational efficiency and compliance with operational guidelines and procedures.

Key Responsibilities:

• Vault and ATM/CDM Custodianship – Ensure ATM downtimes are kept at a minimal, and ATM and Vault limits are maintained
• Cash Management: Ensure branch cash holding limits are adhered to, excess overnight cash holding is covered, any cash differences reported and resolved, cash deposited via the CDM is retrieved and posted within the timelines as guided and coordinate cash repatriations
• Custodianship: Act as the second custodian of all bank payment instruments i.e. cheque books, Debit cards.
• Ensure the branch undertakes the various snap checks as guided by Head office operations and Quality assurance functions
• Deputize the branch manager by growing the business Actively promoting customers to uptake and utilization of all bank channels.
• Lead the branch operations team in supporting the branch to achieve its customer retention objectives, acquisition and growth goals.
• Implement audit recommendations pertaining to all the departments under the Branch operation’s jurisdiction.
• Ensure availability of all service delivery channels to ensure customers are kept fully attended to and that expectations are met.
• Conduct daily, weekly and monthly review of branch operations reports to ensure exceptions are acted upon or escalated within acceptable time frames.
• Approve new accounts in line with KYC procedures: Ensure correct and accurate completion of all customer instructions and approve them for further processing at CAM.
• Ensure adherence to all KYC & AML processes with regards to new business and acceptable TAT is always observed.
• Review and/or monitor transactions i.e. withdrawals, deposits, transfers and ensuring that any money laundering and fraudulent activities are identified. Ensuring all accounts transacting above reporting threshold fill in the large cash forms and provide any other documentation as required
• Appraise and promptly address customer issues /complaints escalating as necessary to ensure timely resolution and ensure set TAT on response to customer queries on phone or by letters is strictly adhered to.
• In conjunction with the BM, build and develop a high performing and motivated staff team in the branch by creating a sense of teamwork, a good working environment and regular duty rotations to ensure maximum productivity.
• Ensure branch is opened & closed as per the approved timelines. Operations staff to be ready to serve customers.
• Perform and support the bank on any other checks that improve our operational effectiveness and efficiency.

Skills, Experience and Competencies

Knowledge; Skills and Experience required for this Role

• A University degree (Holders of a Business-related degree will have added advantage).
• Professional Banking Qualification (AKIB) or accounting qualifications will have added advantage.
• Minimum 5 years’ proven working experience in a Banking environment, with sound exposure to Branch Operations & Processes, and customer service role.
• Good understanding of the bank’s systems i.e., the core banking system-iMAL
• Excellent Bank product knowledge.
• Proficiency in core & other banking System
• Proficiency in Microsoft Office Suite

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Relationship Manager- SME at Gulf African Bank

To achieve business growth in the SME segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.

Key Responsibilities:

• Acquisition: Business Development
• To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• To ensure acquisition of customers to digital channels
• To effectively manage and expand the relationships with existing SME banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and
• Portfolio profitability (Cross-sell & Retention)
• Grow SME customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention
• Assist in Resolving client queries in a timely and appropriate manner
• Assist in collaborating with product specialists, to deliver effective customer solutions.
• Ensure Fulfillment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
• Assist in growth of given portfolio through the use of desired channels such as the SME Business Hubs/ digital platforms i.e. B2 B
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. Gab Pesa, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• Understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• Evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.
• Customer Service and customer information
• Obtaining account opening documentation from new customers
• Opening of accounts for customers in the system and ensuring minimum required
• information is captured and customer given a CIF number.
• Following up with customers in the portfolio for missing information directors details etc.
• Ensure all customer engagements are recorded accordingly Compliance:
• Ensure compliance with both internal and external regulatory requirements (KYC, AML and other bank processes.
• Continuously follow business operational and credit policies ensuring their compliance.

Qualifications, Experience and Functional competencies

• Bachelor’s degree in any field
• At lease 2-3 years experience in managing clients
• Excellent interpersonal skill
• Excellent communication and presentation skills

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Credit Analyst- Retail at Gulf African Bank

Job Purpose:

• To prepare independent analysis of retail credit reviews and submit summary of analysis for credit review above delegated authority.
• To support the Retail segment asset book growth within acceptable PAR tolerance levels to ensure the product remains profitable.

Key Responsibilities:

• Ensure that all client documentation is complete and up to date
• Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to.
• Ensure Service Level Agreement TAT is adhered to through strict monitoring of files held at Credit.
• Check completeness of documents submitted by the branch managers.
• Immediately inform the Branch/Relationship manager of any document missing (according to the checklist).
• Review inward cheques report and excesses daily reports to ensure that they are appropriately sanctioned and therefore safeguard the bank from financial loss from unauthorized extension of credit.
• Timely analysis of credit applications while ensuring that good quality of the financing assets is achieved.
• Preparation of various management Reports.
• Review of new and existing products as per bank guidelines.
• Operations
• Receive credit applications from relationship managers and branches.
• Prompt and fair allocation of applications in the Credit Pool.
• Compliance
• Ensure compliance with both internal and external regulatory requirements.
• Review and ensure compliance of facilities approved conditions.
• Ensure compliance with Credit policies and procedures at all times.
• Ensure compliance with set SLAs at all times.

Qualifications, Experience and Functional competencies

Qualification and experience

• Bachelor’s degree in an Analytical/Business related field
• 4 years banking experience in a lending function with at least 2 years in credit analysis or business development
• Relevant Shariah policies/ processes knowledge
• Product knowledge
• Relevant Bank policies, e.g. KYC/AML knowledge
• Knowledge of credit analysis

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Graduate Trainee Program

Gulf African Bank Limited is Kenya’s premier Islamic banking institution that is growing and expanding. We are seeking to provide experience required for career growth to fresh graduate.

The Graduate Trainees will get the opportunity to gain practical insight of the financial sector through an intensive 18 Month on-the-job training in various functions in the bank, mentorship programs as well as structured online and in person training.

Key Responsibilities will include:

• Full participation in all the assigned training (s) and attain 80% pass mark for the assessments
• Applying Gulf African banks Policies and procedures on assignments
• Ensuring assigned work is completed within agreed time frames
• Ensuring availability of accurate and timely data on assigned tasks as required
• Share timely reports
• Keeping abreast with key developments in the Banking sector, in order to anticipate client needs, and offer the desired solutions
• Raising any issue(s) with the Line Manager on a timely manner for support
• Work seamlessly with the assigned Line Manager & Mentor

Knowledge and Skills required:

• Age: 21-25 years of age
• KCSE: B+ and above with at least B+ in Mathematics & B+ in English
• Bachelor’s degree in IT or Business relevant field – Attained 2nd class upper division
• (Graduated in 2023/2024/2025)

Requirements:

• Keen interest in developing a career in Banking.
• Demonstrate strong communication and interpersonal skills
• Positive attitude and willingness to learn
• Must have strong analytical skills

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