Relationship Officer – Operations & Cutomer Services at SMEP Microfinance Bank

The job holder will be responsible for cash and cheques operations, growth of Non-funded income and ensuring compliance to Operational processes and procedures.

KEY DUTIES AND RESPONSIBILITIES

• Actively drive growth in customer numbers and ensure full adherence to the customer on-boarding Policies and Procedures.
• Cash handling & cheque processing and ensuring accurate update of the various transactions on the T24 core banking system.
• Ensuring sufficient controls in cash management both for the tills and vault.
• Ensure that all items cashed are within laid-down limits and refer all transactions exceeding limits to the appropriate area for authorization.
• Adequate cash stock management with buying and selling from the vault as appropriate.
• Ensure strong adherence to anti money laundering (AML) and know your customer (KYC) policy guidelines.
• Compliance to policies, procedures and regulations ensuring that all processed performed are within the banks policies and procedures.
• Daily reconciliation of all transactions (360 degrees view).
• Participate in and/or support the Bank’s effort in preventing money-laundering activities by ensuring that AML functions are undertaken as per job objectives
• Ensure maintenance of proper records and control of all relevant registers.
• To identify and report suspicious transactions to the AML Officer on a timely basis
• Drive account utilization by engaging customers to advice on available channels.
• Responsible for Marketing of Banks’ Products & Services.
• Maintain a high level of customer satisfaction that grows the business through referrals and repeat business.

QUALIFICATIONS AND COMPETENCIES:

• A minimum grade of C+ (plus) in KCSE
• An undergraduate Bachelor’s degree or Diploma in Business related courses from a recognized
• Knowledge in Sales and Marketing, credit risk management, credit lending, as well as relevant experience in the Banking sector will be an added advantage.
• Proficiency in computers is mandatory.
• Ability to analyze and interpret financial statements
• Clear understanding of microfinance/banking industry is an added advantage.
• Good interpersonal & communication skills with excellent customer service.
• A team player with the drive to improve performance.
• Persuasive with strong recognition skills,
• Self-driven and possess the ability to work with minimum supervision
• Ability to work independently under minimum supervision.
• Strong Christian values, commitment and passion for the transformation of the population.
• Aged between 26 and 35 years