Career Opportunities at I&M Bank

Job Purpose:

• Work closely with the all the workplace business teams to ensure effective controls and mitigate against business risks associated with retail lending/workplace check off loans. 

Key Responsibilities:
Risk and Compliance (Internal Controls in processes and procedures of all Check off Loans):

• For Sales Center Applications (Originating from the Sales Center).
• For Branch Loan Applications. (Originating directly from Branches).
• Achieve Set accuracy targets for all customer instructions/NTB and Existing Loan Applicants.
• Screen all application forms and documentations for compliance with product specifications and KYC guidelines.
• 1st level appraisal for all loan applications.
• Check all applications for Know Your Customer (KYC) Compliance and all stamps dully executed.
• Log in all customer applications in the application register that will be used to track the application status.
• For Decline applications ensure the branch, or the sales center Sales Manager is notified. 
• For Loan applications that need further compliance checks like the further statement verification, the Sales compliance office does further call backs. 
• To check if all documents are well scanned and uploaded correctly according to the updated Checklist.
• To check is the company is on the list of approved schemes.
• To confirm and attach all approvals that accompany certain approvals with special conditions.
• To confirm the correct account details included, for all applications with loan buy offs.
• To check if the customers have satisfactory CRB ratings/Preforming and nonperforming accounts. 
• Confirm if the loan limits are withing allowable DSR, and 1/3 of basic as per policy.
• To confirm if physical visits have been done by the Sales managers/Branch Managers. Like in TSC Applications. 
• To confirm that the Agreed Scheme signatories have signed on the Loan forms. 
• To confirm that all the correct documents have been attached e.g.  Introduction letters, pays lips, irrevocable.
• Maintaining a track of all applications received and sharing with the teams a daily status update.
• Reporting potential and actual Money Laundering Risk, including suspicious transactions in accordance with the laid down AML policies & procedures.
• Following up on all clearance letters to ensure that the buy off process is complete for all loans that have buy offs. 
• Confirming booking have been done by employers before proceeding to disbursement, and for TSC login in TPAY system.
• Processing of all insurance refunds, for loans that have been fully settled. 
• Confirming stop orders have been issued for all loans that have been cleared or bought off.
• Confirming Clearance letters have been issued for all loans that have been bought off.
• Confirming and sharing payment confirmation done via RTGS or bankers’ cheque.
• Monitoring the system to confirm that no Fraudulent applications penetrate the system.
• Ensuring Buy off Cheques are printed in good time

Business Growth and Development:

• Assist in developing and reviewing of templates used in the WPB check off Environment i.e. includes, Booking Templates, Checklists, Stop orders, Clearance letters, Loan application Forms. Also assist in process reviews. 
• Assist in developing/Monitoring new systems for the unit, like the just concluded
• Workflow check off system which is now fully operational.

Customer Experience:    

• Ensuring that all Loan applications are processed and disbursed as per TAT.
• Handle Complains and queries for the unit and ensure timely closure.
• Filing, Archiving and preparation of the sales compliance reports:
• Filing and Archiving of all Loan WPB Loan Application forms from Branches and from the Sales Center, and preparing the unit’s daily, weekly and monthly reports.

Key Competencies:

• Timely and Accurate processing of Sales Activation Payments, after approvals by Head of Unit.
• Participating in DSE recruitment Interviews.
• Correctly Confirming Buy off payments being processed to other Banks.
• Risk Events/Raising alarm in cases of prolonged buy off process, and breach of processes.

Academic Qualifications:

• Bachelor’s degree in commerce, Marketing, Banking & Finance, Strategic Management or its equivalent from a recognized University.
• Master's degree is an added advantage.

Work Experience:

• 4-6 years in a similar role.

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Job Purpose:

• The position is responsible for managing and supervising the performance of personal banking sales staff (DSEs & Personal Bankers) to achieve the sales targets for the products assigned.
• It also involves sales activity planning and implementation within assigned region/area, deployment of team, actual sales and performance reporting.

Key Responsibilities:
Sales Strategy & Execution:

• In Collaboration with Head of Sales, develop and implement sales strategies to increase revenue and profitability by driving all product lines -Loans, CASA, NTBs, Banca, Credit Cards and other cross-selling products.
• Work with the branches and scheme RMs to unlock sales in companies through sales activations and financial trainings.
• Work with sales teams and Regional Managers to bring leads on new company signs ups.
• Visiting potential and existing customers to present company offerings and build brand awareness and open business opportunities for the sales teams in the assigned region.
• Plan for activations and drive the set targets.
• Analyze customer trends and market opportunities to guide branch-level execution.

Team Leadership:

• Lead, recruit, coach, and manage Personal Bankers and DSEs to ensure productivity and goal achievement.
• Conduct regular performance reviews, provide feedback, and support individual growth.
• Resolve team issues, motivate staff, and foster a high-performance sales culture.

Customer & Relationship Management:

• Strengthen relationships with key customers and community partners to drive business.
• Support customer acquisition, onboarding, and retention through quality service.
• Drive brand visibility and customer engagement across all touchpoints.

Operational Support:

• Guide branches effective onboarding, product education, and day-to-day personal banking processes.
• Monitor performance at the individual and branch level; identify areas for improvement.
• Conduct branch visits, review field activity, and document key findings.

Compliance & Risk Management:

• Ensure all personal banking activities comply with AML, KYC, and CTF policies.
• Maintain accurate records and ensure regulatory and policy adherence by the team.
• Escalate risks or irregularities in line with bank procedures.

Collaboration & Reporting:

• Work closely with branch leadership and central support teams (e.g., Product, Marketing, Risk) to align goals.
• Report on personal banking performance, pipeline health, and key initiatives.
• Share insights and best practices across the network to drive continuous improvement.

Key Competencies:

• Recruitment of staff – onboarding and training of sales teams before deployment to branches.
• Contract renewals – for contract staff (DSEs), he/she will provide recommendations for contract renewal/termination based on performance.
• Marketing – planning activations across the region which involves obtaining approvals for costs to be incurred for transport/travel, printing of materials/merchandize.
• Staff Hiring, Training and deployment – Onboarding and posting sales teams on need basis. 
• Taking disciplinary action – poor performance and other disciplinary issues.
• Re-training – identifying areas of refresher training across all sales teams and other branch teams.
• Performance monitoring –holding meetings for feedback generation with sales staff and support staff in performance improvement for those in PIP.

Academic Qualifications:

• Bachelor’s degree in commerce, Marketing, Banking & Finance, Strategic Management or its equivalent from a recognized University.
• Master's degree is an added advantage.

Work Experience:

• 1-3 years in a similar role.

Required Skills:

• Commercial acumen skills.
• Strong leadership and team management skills.
• Stakeholder management skills.
• Excellent communication and presentation skills.
• Strong interpersonal skills.
• Operational excellence.

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Job Purpose:

• Responsible for the implementation of all personal banking propositions to deliver growth and maintenance of these portfolios within the assigned branch(es).

Key Responsibilities:
Portfolio Management:

• Manage PAR, reactivate dormant accounts, and grow the personal banking portfolio by supporting DSE efforts.
• Cross-sell banking products and services by increasing wallet size to achieve revenue targets.

Business/Sales growth:

• Achieve sales targets for accounts, deposits, bancassurance and personal loans. 
• Underwrite personal loans through the system.
• Respond to customer enquiries, concerns and create impressive customer experience.
• Actively participate in business activations and sales campaigns that support the growth of the retail business of the branch.
• Gather market intelligence to identify opportunities for business growth and develop value chain synergies

Relationship Management:

• Serve and retain personal banking customers by handling inquiries, resolving complaints, and providing quality service.
• Initiate, record and update all customer interactions through call reports and customer relationship management system.

Compliance and Risk management:

• Ensure timely and accurate processing of all credit applications and account opening documents within SLAs.
• Ensure all customer onboarding and transactions comply with AML, KYC, and CTF regulations.
• Regularly update customer records.
• Identify and report suspicious transactions as per AML policy.

Key Competencies:

• DSE support in the branch – ensuring the efforts of the DSEs are boosted by supporting them in maintaining their customer onboarding process – loan and account opening.
• Loan and account opening process –onboarding of customers in the system and ensuring strict compliance to avoid penalties and reputational damage.
• Product bundling & cross selling – recommending products like fixed deposits or investment products to customers that can boost low-cost deposits and fees income.
• Process automation – deciding to onboard customers in digital platforms to cut costs and improve TAT.

Academic Qualifications:

• Bachelor’s degree in commerce, Marketing, Banking & Finance, Strategic Management or its equivalent from a recognized University.
• Master's degree is an added advantage.

Work Experience:

• 1-3 years in a similar role.

Required Skills:

• Excellent communication, presentation and negotiation skills.
• Strong analytical and problem-solving skills.
• Sound knowledge of bank products and services, the Banking Act and regulatory environment.
• Goal oriented mindset and ability to work under pressure.