Small Enterprise Banking Manager at National Bank of Kenya

Job Ref No: HR/013/17

Unit: Retail Banking Division

Reporting to: Head Micro Banking

Position Scope: The position is responsible for achievement of business growth objectives by ensuring implementation of Small Enterprise Banking strategic initiatives and capacity enhancement.

Key Responsibilities:

Support of Digital Lending initiatives including:

• Coordinate roll out of mobile lending solution to customers.
• Support in development of credit scoring solution.
• Development and commercialization of digital lending products.

Coordination of Loan Process reviews and initiatives:

• Undertake credit process reviews and implementation aimed at ensuring improved efficiency and turnaround time on loan processing.
• Coordinate full adoption of online credit origination process through EDMS.
• Ensure proper documentation of processes and lending guidelines.

Coordinate Implementation of Branch Credit Committee Lending

• Implement decentralized lending to all branches within the approved limits.
• Undertake training of the key branch staff on branch credit committee lending.
• Monitor the impact, performance and effectiveness of the credit committees. and offer appropriate support and recommendations.
• Ensure full compliance with policies and guidelines.
• Undertake automation of the branch credit committee lending through EDMS and credit scoring.

Training and Credit Skills Development

• Identify skills gaps among the micro bankers to enable planning for training.
• Development of training programme.
• Carry out training for key branch staff and branch managers to ensure skill-up on lending and credit management.

Credit Process Coordination

• Monitor and ensure TAT and SLAs with internal stakeholders are met
• Credit applications quality assurance to ensure reduced reworks and declines.

Key Performance Indicators:

• Loan portfolio size
• Loan portfolio quality (PAR)
• Value of deposits
• Number of accounts
• Nat Mobile sign Ups
• Staff Training
• Branch visits

Work Relationships:

Internal

• Divisional Heads
• Line Managers

Skills & Experience:

Essential

• Bachelor’s degree in Business related field
• Credit Management training
• 5 years’ experience in banking with skills in credit origination and analysis.
• Excellent skills in credit training and skills development.
• Proficient in digital and banking systems.
• Strong knowledge of Business banking products, services, procedures, and regulatory requirements.
• Risk management and assessment.
• Excellent customer service and interpersonal skills.
• Superior problem-solving, report writing and analytical ability.
• Demonstrated integrity and ethical standards.

Desirable

• Diploma in Microfinance
• CPA