Job Vacancies 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

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Job Summary

The primary purpose of the Network Administrator is to design and maintain the Networks and Computer Systems; support business users; install and configure computer systems; support business users; diagnose and solve network technologies faults.

Key Responsibilities

• Install and configure Software and Hardware.
• Responsible for managing, troubleshooting and proactively updating hardware and software assets to prevent downtime or zero-day exploits from occurring.
• Quickly resolve any system failures and troubleshoots issues and outages.
• Upgrade systems with new releases and models.
• Ensure an uninterrupted internet connection and manages mail servers for sending and receiving emails and file servers for saving and managing data.
• Oversee system performance and report generation.
• Secure system integrity from any breaches or viruses and play an essential role in risk-mitigation planning, including creating backup plans, safeguards for data, user security policies, and identity management.
• Develop and execute backup and recovery plan.
• Maintaining the asset inventory for the DC.
• Manage Network servers and technology tools.
• Monitor performance and maintain systems according to requirements
• Participate in the design, setting up, implementation and testing business continuity and disaster recovery installations within the bank.
• Participate on onboarding and managing of Service level agreements with service providers or vendors
• Provide technical services and support for WAN and LAN connectivity, routers, firewalls, and security, Internal systems, cloud and network infrastructure; Microsoft related technologies: Windows Server, SQL; Virtualization technologies: VMware and Microsoft; Remote access solution support; Remote monitoring and management of system alerts and notifications
• Perform network assessments and security audits
• Planning and implementation of network security, including building firewalls, configuring IPsec VPN, applying cryptography, developing IT security policies, procedures and standards within the bank.
• Evaluations of hardware, software and peripherals equipment for LAN/WAN/MAN environment for procurement.
• Anticipate communication and network problems and implement preventative measures.
• Analysing, evaluating and monitoring network infrastructure to ensure networks are configured to operate at optimal performance
• Ensure security through access controls, backups and firewalls
• Upgrade systems with new releases and models
• To liaise with external suppliers and support agencies for the ongoing support and maintenance of relevant hardware and software. Ensure timely processing of the invoices.
• Monitor the system daily and respond immediately to security or usability concerns.
• Proof point administration. Storage administration & monitoring.
• Monitor & report performance of replication services between DC and DR sites.
• DR maintenance. Manage the configuration and operation of DC and DR servers.
• Support system upgrades and apply fixes/patches related to infra unit.
• Assist in delivering system solutions and implement projects to meet business, operation and compliance objectives.
• Follow-up audit findings, propose remediation and ensure rectification or mitigation be carried out successfully.
• Ensure that all policies and guidelines are implemented according to audit recommendations/requirements.
• Ensure compliance with bank and regulatory requirements during implementation of various related services for the bank, and in case of any discrepancy report immediately to the Head of IT Applications.
• Prepare and ensure that Risk Control Self-Assessment is conducted periodically for unit.

Key Relationships

Direct Reports to this Position

• None

Customers of this position

• All Departments in the Bank

Education, Knowledge, skills, and Experience required for this Role

• University degree in Computer Science / IT related field
• Certifications required for this role:
• Advanced Diploma in Telecommunication/electronics engineering.
• Cisco certified network professional
• A minimum of 3 years of proven experience as a Network Administrator or similar role
• Knowledge of system security and data backup/recovery
• Experience with various operating systems and platforms
• Resourcefulness and problem-solving aptitude
• Excellent communication skills
• Knowledge of CIS standard is must.
• Fluency in spoken and written English
• Good integrity, positive attitude, helpful, high commitment, competence and motivation
• Proven experience as a System Administrator or similar role
• Knowledge of system security (e.g. intrusion detection systems) and data backup/recovery
• Familiarity with various operating systems and platforms
• Writing skills: Ability to efficiently produce concise, organized reports.

Competencies required for this Role

Key

• Experience in network appliances e.g. Fortinet, Huawei, CISCO etc
• In-depth knowledge of and experience with Microsoft Windows Server, Unix/Linux and AIX Operating Systems
• Awareness and understanding of business requirements of IT.
• Willingness to keep up to date with developments in new technology.
• Commitment to continuing professional development (CPD).

Interpersonal 

• Goal focused and able to spot business opportunities
• Builds networks and maintains strong relationships
• Able to manage and influence others to achieve results
• Has passion and drive to achieve results under difficult circumstances
• Pleasant and able to relate well in diverse social set ups and teams
• Upholds high standard of Professionalism, integrity and respect for others

Management and leadership ability

• Capacity to influence decisions at various levels
• Communicates effectively

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Job Summary

The job holder is responsible for providing independent assurance to the board on the adequacy of the bank’s risk management and controls. The role holder will carry out planning and execution of audit reviews in the Financial Cluster, which include but are not limited to Finance, Procurement, Treasury, General Ledger and Management Accounting, and AML Regulatory Reporting Processes.

Key Responsibilities 

• Participate in the risk-based audit planning process that identifies processes that should be prioritized for review.
• Prepare Audit Plans for individual projects and document the relevant planning memos
• Plan assigned activities and ensure adherence to the internal audit processes Service Level Agreements to ensure timely completion of engagements
• Apply a risk-based approach in the execution of the audit engagements and any assigned ad-hoc investigations
• Prepare Comprehensive working papers to support the audit work performed and conclusions made
• Optimize the use of Audit Management tools such as TeamMate and Data Analytics
• Building internal audit capacity within the audit officers ensuring they are equipped with modern skills and tools.
• Be well informed on regulatory changes and determine how such changes affect the audit approach and the impact of non-compliance
• Ensure the audit reports articulate gaps in the risk management processes, internal control deficiencies and regulatory non-compliance
• Conduct effective exit meetings i.e. discuss audit findings and their impact professionally and confidently with appropriate levels of the organization
• Continuous engagements with stakeholders to ensure agreed corrective actions have been effectively implemented.

Key Relationships 

Reports to:

• Senior Manager, Financial Audits

Direct Reports to this Position

• None

Knowledge; Skills, and Experience required for this Role

Job Knowledge and Experience:

• 5 Years Overall Audit Experience, out of which at least two (2) years should be in Internal Audit in the Financial Sector
• Strong technical understanding of the regulatory environment with respect to statutory and regulatory requirements in the financial services sector;
• Proficiency in use of TeamMate is preferred

Education:

• Bachelor’s Degree preferably in Finance, Business or any business related field;
• Relevant Professional Qualification e.g. CPA(K), ACCA
• Member of a Relevant Professional Body.

Competencies required for this Role

• Ability to write reports
• Analytical and Investigation Skills
• Quality Work Output
• Contributes to the team
• Delivering Results and Meeting Customer Expectations
• Adhering to Principles and Values
• Coping with Pressure and Setbacks

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Job Summary

The position will be responsible for managing the Bank’s Retail non-performing portfolio under the supervision of the Manager Retail Recoveries 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 

Strategy - 30%

• Ensure continuous learning of new debt recovery techniques through training.
• Ensure implementation of debt recovery strategies within the unit.
• Ensure constant follow-up and monitoring of all assigned accounts classified as Non-Performing Loans/Accounts.
• Ensure compliance with all controls, rules, policies, procedures, and regulations.

Operations - 30%

• Manage Retail debt collection including the initiation of recovery processes in line with commercial practices and Bank policy.
• Manage the assigned Retail debt portfolio with a view of maximizing profitability for the Bank.
• Review retail files assigned to identify and select delinquent accounts for collection in order to maintain a low percentage of Portfolio at Risk.
• Maintain and prepare bad debt recovery records and/or reports as and when required and submit them to the Supervisor.
• Recommend restructures, settlements and write-offs on Non-Performing Retail Accounts to the Manager Retail Recoveries for review and approval by the Management Credit Committee as per Central Bank of Kenya regulations.
• Ensure compliance to the Bank’s Credit Policy and Procedures regarding management of debt recovery process.

People Management - 20Maintain good coordination between the Collections and Recoveries Team, Credit Team and the Business Development Teams.

• Undertake any delegated activities as assigned by the Manager Retail Recoveries, Senior Manager or by the Director, Debt Recovery and Special AssetsEnsure to undertake Best Practice, Skills and Knowledge shared across the Debt Recovery team and wider Credit Department.

Compliance - 15%

• Ensure compliance with both internal and external regulatory requirements.
• Working closely with risk and compliance units to ensure effective compliance standards are consistently met within the unit
• Developing and continuously reviewing Credit policies and procedures ensuring their compliance.

Other -5 %

• 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

• 3 years’ experience in a Debt Recovery function with at least 1 year in managing Retail accounts
• University degree in a Business-related field from a recognized institution.
• CPA/ACCA or relevant professional qualification.
• Excellent Communication and Negotiation skills.

Competencies Required for this Role

• Experience or sound understanding of credit life-cycle and debt recovery process/techniques.
• Strong credit analytical, communication and negotiation skills and assertive.
• Passion for performance and ability to work under pressure.
• Key understanding of regulatory and legal environment
• Experience working with External Debt Managers