Jobs at Sidian Bank

Jobs at Sidian Bank. Sidian Bank Limited has been in operation for 39 years, with its inception as a project that supported the development of SME, Corporate and Micro customers and has grown to offer transformational financial solutions.

Jobs at Sidian Bank

Credit Administration Officer
Regional Manager – Nairobi Region
Regional Manager – Coast/Eastern Region
Regional Manager -Western/Nyanza Region
Regional Manager – Rift Valley Region
Operations Manager – Nairobi County
Operations Manager – Nandi County
Operations Manager – MombasaCounty
Operations Manager – Bomet County
Operations Manager – Muranga County

Credit Administration Officer

Jobs at Sidian Bank

JOB PURPOSE

To manage the credit documentation process for facilities granted to customers by the bank and to ensure that all credit is adequately and continually secured before disbursement and during the lifetime of the facility. In addition to this, the role-holder will undertake any other duty as assigned by the Manager – Credit Administration or Director- Credit Risk Department.

KEY RESPONSIBILITIES AND ACTIVITIES

Securities Quality Assurance & Administration:

Receive documents from the disbursement officers and validate the same to ensure conformity to set standard. Any deficiencies to be highlighted and communicated to the relevant parties for remedial action to be taken.
Maintain proper diaries to monitor compliance with respect to renewable securities such as guarantees, valuation reports, insurances, land rent and rates.
Follow up with branches and all business units to ensure 100% compliance with respect to insurance renewals, payment of rent and rates and revaluation of securities.
Facilitate release of securities in line with the laid down procedures.
Update the securities register in T24 with new securities and security release as well to ensure accurate record of security details in the system.

Custodianship:

Filing security documents and other credit related documents in a systematic manner to ensure ease of retrieval whenever need arises.
Ensure safe custody of all securities documentation in the designated holding areas/strong rooms
Control lodgment and withdrawal of securities documentation from the designated holding areas/strong rooms
Ensure adherence to dual control system in accessing the securities vault and other holding areas
Maintain a well updated securities movement register
Attend to queries relating to securities and documentation such as request for copies of documents

Customer Service:

Respond to all queries relating to clearance of facilities for drawdown and perfection of securities
Ensure prompt and precise respond to customer queries via email and phone in line with set customer service standards.

Compliance & Policy Implementation:

Ensure compliance with internal policies and procedures relating to lending and other areas that touch on day to day operations.
Actively participate in all audit processes and ensure the department achieves a satisfactory rating both in internal and external audits.

DECISION MAKING AUTHORITY

Direct Reports to this Position
None

ACADEMIC BACKGROUND

Bachelor’s Degree in Commerce – Finance Option
Professional Course – Certified Public Accountant (CPA) – Section 6

WORK EXPERIENCE

At least 2 years’ experience in advances securities, lending, credit administration, debt management or any other area that involves critical use of analytical skills within the bank.
Experience with NTSA operations and MPSR an added advantage.

SKILLS & COMPETENCIES

Legislation: familiarity with legislation governing perfection of securities and requirements by regulating bodies
Technology skills: Computer literate with proficiency in MS Office.
Knowledge of Business Environment: Must understand local and global dynamics of the business environments facing customers.
Results Oriented: Be able to have a personal drive to achieve set goals enthusiastically
Personal Ethics: Must possess a high level of integrity.
Decisive and Independent: Ability to work independently, consult and clarify where necessary and make informed decisions.
Interpersonal Skills; Excellent interpersonal skills, with the ability to establish and develop relationships
Proactive Initiator: Must be pro-active, a self-starter and have the ability to anticipate and advice on strengths, weaknesses, opportunities and threats.
Team work; Ability to work through teams, deliver high quality work within deadlines, and to meet team objectives
Communication Skills: Excellent communication skills both written and oral, including the ability to convey ideas and positions clearly

Apply Here > Credit Administration Officer

Apply by: 10th Jun, 2024

Regional Manager – Nairobi Region

Jobs at Sidian Bank

JOB PURPOSE

The job holder will be responsible for identifying new business opportunities and growing business through the branch network in all areas of Branch Banking. He/she will also help in identifying suitable partnerships that provide business opportunities in branches and also provide administrative support for the departmental HQ activities.

KEY RESPONSIBILITIES

Business Development
Monitoring and Reporting
Market Intelligence
Risk & Compliance

Business Development

Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
Continuously conduct market research and competitor analysis to identify new business opportunities.
Manage relationships of key accounts while tapping on their shared wallet through cross selling at least 5 products.
Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

Monitor the performance of Branch Banking and partnerships to ensure that they operate according to the agreed lending terms.
Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making.
Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

Identify capacity building needs and recommend possible assistance for microfinance partners;
Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted to senior management for approval. Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
Identify customers in portfolios that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION-MAKING AUTHORITY

The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities;
The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

University degree or above in a relevant business discipline e.g. business administration or finance.
Master’s degree will be an added advantage.

WORK EXPERIENCE

At least 8 years’ experience in banking.
Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

Excellent communication and interpersonal skills;
Excellent Business Presentation skills;
Good financial analysis skills;
Excellent problem solving and decision-making skills;
Knowledgeable in credit, legal (conveyancing) and lending knowledge;
Knowledge of banking processes and Banking Law;
Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
Strong negotiation and networking skills;
Good performance track record in business development;
Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

Diploma in Banking – AKIB (added advantage)

Apply Here > Regional Manager – Nairobi Region

Apply by: 15th Jun, 2024

Regional Manager – Coast/Eastern Region

Jobs at Sidian Bank

JOB PURPOSE

KEY RESPONSIBILITIES

Business Development
Monitoring and Reporting
Market Intelligence
Risk & Compliance

Business Development

Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
Continuously conduct market research and competitor analysis to identify new business opportunities.
Manage relationships of key accounts while tapping on their shared wallet through cross selling at least 5 products.
Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

Monitor the performance of Branch Banking and partnerships to ensure that they operate according to the agreed lending terms.
Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making.
Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

Identify capacity building needs and recommend possible assistance for microfinance partners;
Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted to senior management for approval. Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
Identify customers in portfolios that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION-MAKING AUTHORITY

The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities;
The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

University degree or above in a relevant business discipline e.g. business administration or finance.
Master’s degree will be an added advantage.

WORK EXPERIENCE

At least 8 years’ experience in banking.
Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

Excellent communication and interpersonal skills;
Excellent Business Presentation skills;
Good financial analysis skills;
Excellent problem solving and decision-making skills;
Knowledgeable in credit, legal (conveyancing) and lending knowledge;
Knowledge of banking processes and Banking Law;
Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
Strong negotiation and networking skills;
Good performance track record in business development;
Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

Diploma in Banking – AKIB (added advantage)

Apply Here > Regional Manager – Coast/Eastern Region

Regional Manager -Western/Nyanza Region

Jobs at Sidian Bank

JOB PURPOSE

KEY RESPONSIBILITIES

Business Development
Monitoring and Reporting
Market Intelligence
Risk & Compliance

Business Development

Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
Continuously conduct market research and competitor analysis to identify new business opportunities.
Manage relationships of key accounts while tapping on their shared wallet through cross selling at least 5 products.
Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

Monitor the performance of Branch Banking and partnerships to ensure that they operate according to the agreed lending terms.
Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making.
Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

Identify capacity building needs and recommend possible assistance for microfinance partners;
Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted to senior management for approval. Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
Identify customers in portfolios that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION-MAKING AUTHORITY

The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities;
The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

University degree or above in a relevant business discipline e.g. business administration or finance.
Master’s degree will be an added advantage.

WORK EXPERIENCE

At least 8 years’ experience in banking.
Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

Excellent communication and interpersonal skills;
Excellent Business Presentation skills;
Good financial analysis skills;
Excellent problem solving and decision-making skills;
Knowledgeable in credit, legal (conveyancing) and lending knowledge;
Knowledge of banking processes and Banking Law;
Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
Strong negotiation and networking skills;
Good performance track record in business development;
Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

Diploma in Banking – AKIB (added advantage)

Apply Here > Regional Manager -Western/Nyanza Region

Regional Manager – Rift Valley Region

Jobs at Sidian Bank

JOB PURPOSE

KEY RESPONSIBILITIES

Business Development
Monitoring and Reporting
Market Intelligence
Risk & Compliance

Business Development

Enhance profitability of existing and new client relationships by promoting new products and product enhancement;
Actively market and develop the Branch Banking and Partnership products to existing and prospective clients within the branch location;
Continuously conduct market research and competitor analysis to identify new business opportunities.
Manage relationships of key accounts while tapping on their shared wallet through cross selling at least 5 products.
Maintain a comprehensive understanding of the branch customers business plans, financial projections and support requirements.

Monitoring and Reporting

Monitor the performance of Branch Banking and partnerships to ensure that they operate according to the agreed lending terms.
Provide management with periodic updates on performance of Branch Banking and partnerships to guide management in decision making.
Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.

Market Intelligence

Identify capacity building needs and recommend possible assistance for microfinance partners;
Provide technical advice and training to Branches and partnerships where areas of improvement are identified.

Risk & Compliance

Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Banks AML/CFT/CPF guidelines and escalation of any suspicious accounts.
Continuously monitor customer transactions in the context of the profile of the customer and properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion
Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts . Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted to senior management for approval. Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
Identify customers in portfolios that require an update of profiles in a timely manner and ensure that the changes are maintained in the system and are up-to-date.
Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
Ensure accurate and complete data has been captured in the system and that customers are properly risk rated or categorized as per bank policy on customer categorization as high, medium or low, and ensure that timely KYC update is done for the various risk categories of clients as per regulatory requirements
Ensure that the transactions contain the full details and the relevant supporting documentation and authorizations are in place where required. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.

DECISION-MAKING AUTHORITY

The Regional Manager in their course of work, make regular client visits to review business requirements, assessing assets and securities held or offered and obtaining related financial documents to be able to put forward any borrowing requests from clients and making recommendations for consideration by approving authorities;
The Regional Manager is charged with conducting reviews and renewals of existing portfolio managed relationships for Banking Facilities and any banking service requirements and making recommendations for consideration by approving authorities;
Processing ad-hoc/additional/new requests/excesses under managed portfolio and making recommendations for consideration by approving authorities

ACADEMIC BACKGROUND

University degree or above in a relevant business discipline e.g. business administration or finance.
Master’s degree will be an added advantage.

WORK EXPERIENCE

At least 8 years’ experience in banking.
Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.

SKILLS & COMPETENCIES

Excellent communication and interpersonal skills;
Excellent Business Presentation skills;
Good financial analysis skills;
Excellent problem solving and decision-making skills;
Knowledgeable in credit, legal (conveyancing) and lending knowledge;
Knowledge of banking processes and Banking Law;
Demonstrate an understanding of the Banking Act, CBK prudential guidelines and credit policies;
Strong negotiation and networking skills;
Good performance track record in business development;
Strong innovative and creative thinking skills.

PROFESSIONAL CERTIFICATION

Diploma in Banking – AKIB (added advantage)

Apply Here > Regional Manager – Rift Valley Region

Operations Manager – Nairobi| Nandi| Mombasa| Bomet| Muranga

Jobs at Sidian Bank

JOB PURPOSE

The job holder will be responsible for supporting the Branch Manager to deliver best in class customer service to customers to maximize relationship building through managing the Service Delivery function (Customer Service and Cashiering) in the branch to ensure the delivery of quality service to customers, the projection of a professional and warm image, maintenance of operational controls and continuous improvement in operational efficiency.

KEY RESPONSIBILITIES

Branch controls, processes and procedures custodian
Branch cash management
Business growth & development
Managing the overall branch cash
Relationship Management & Customer service
Branch Operations
Risk & Compliance

Branch controls, processes and procedures custodian:

Ensure proper controls, processes & procedures are adhered to at all times as per the laid down Sidian Bank policies.
Business Continuity Plan (BCP) implementation and disaster recovery co-ordination.
Ensure the branch is opened & closed as per the approved timelines & Operations staff to be ready to serve customers with all the necessary tools and systems.
Maintain branch cleanliness and tidiness as per the Sidian Bank standards.
Ensure that the Sidian Bank’s Policies are adhered to at all times when handling different products.
Ensure adherence to all KYC & AML processes with regards to new business and acceptable TAT is observed at all times.
Ensure all relevant units are coordinated at all times to maintain efficient banking services to customers.
Ensure compliance with Operational, Security, Controls & processes risks requirements to avoid losses & prevent fraud arising from operational lapses, and to protect bank and customers assets.
Ensure that relevant approvals for all transactions are sought at all times as guided by policies.
Ensure that the branch achieves a minimum of ‘Satisfactory/Acceptable’ audit rating through continuous assessment and prompt closure of all audit exceptions sighted.
In conjunction with the Branch Manager, the Operation Manager is responsible for strict cost management in the branch i.e. reviewing all service provider quotations before the work can proceed. In addition, BOM should conduct regular reviews of the following cost elements: Equipment maintenance, Stationary consumption/telephones, Sundry losses, Staff costs.
Ensure all relevant reports are submitted on a timely basis.
Ensure the branch team remains alert to the risk of money laundering and assist in the Bank’s efforts in combating it by adhering to the key principles in relation to: “identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers.
Opens new accounts, completes associated documentation and supervises in the banking system as per Sidian policy and procedures and contributes to the operation of the branch by maintaining a filing system and updating and monitoring client records.
Ensures the accurate and timely processing and delivery of all certificates, account information, and statements to clients.
Contributes to the flow of communication within the team, by actively participating in staff meetings.
Provides information and reports as requested.
Ensure proper documentation and filing is done for all transactions.

Branch Cash Management:

Complies with CBK guidelines on large cash transactions.
Ensures that cash is promptly repatriated to the vault at intra day and end of day.
Provides and records cash services to customers by receiving cash/cheque deposits and loan payments, withdrawals, MPESA, money transfer and other teller transactions.
Reconciles cash till by proving cash transactions, counting and packaging notes and coins, reconciling other transactions, turning in excess cash and mutilated currency to officers, cash operations and maintaining supply of cash and currency at till.
Complies with bank operations and security procedures by participating in all dual-control functions, maintaining customer traffic surveys, auditing other tellers’ currency, assisting in certification of proof of funds by customers.
Maintains customer confidence and protects bank operations by keeping information confidential.

Business Growth & Development

Together with the Branch Manager, create ownership of the branch strategy and targets. Agree branch business plans/ strategies and business goals for the branch aligned to the bank’s overall growth strategy.
Act as a champion to grow the branch service fees and commissions, channel fees and commissions and bancassurance fees and commissions.
Actively promote to all customers the uptake and utilization of all bank channels.
Promote lower deposits rates so as to support the Branch Manager manage the branch cost of funds.
Ensure new business is properly booked and all income due to the Bank in terms of charges, commissions, and fees are collected as per the ruling tariff.
Ensure branch performance reports are timely & accurate.
Meet the set targets on new opened accounts and average funding balances.
Lead the branch operations team in supporting the branch to achieve its customer retention objectives, acquisition and growth goals. Support will include: achieving personal sales goals for all products as outlined in the targets as well as participating and leading branch sales promotions.
Active management of the non-RM managed accounts.

Customer Experience:

Ensure cash transactions, customer queries, requests or complaints are handled within the defined Service Level Agreements (SLAs) and Turn Around Time.
Endeavors to increase deposits by new and existing clients by identifying and evaluating client needs’ through observation, listening and questioning techniques through telesales.
Maintains a complete understanding of all products and services offered via Sidian distribution channels, with knowledge sufficient to discuss product attributes fully and confidently.
Calls new and existing customers to cross sell and upsell bank products.
Contributes to the efficient operation of the branch through the accurate and timely processing of all transactions and account maintenance, including customer instructions, account information requests, account instruments etc.
Influencing customer’s decision making so that they transfer their ‘main bank’ transactional banking to Sidian and utilize Sidian range of non-term deposit products, which assists the branch meet its funding margin objective.
Contributes to the promotion of the branch by preparing displays, coordinating and distributing promotional materials and organizing functions.
Develops and maintains relationships with new and existing clients to capitalize on opportunities to cross-sell Sidian products and services to existing and potential clients.
Responsible for making referrals to Relationship Officers and Bancassurance for uptake and utilization of bank products, services and channels.
Responsible for ensuring that all accounts opened in the branch are signed up to at least one digital channel.
Ensure that customer tools are stored safely and are delivered to the customer as per the set SLA.

Leadership & People Management:

With the support of the HR Business Partner, the Branch Manager and Operations Manager have the ultimate responsibility for the Human Resource Management of the branch staff and consults with HR on clarity and interpretation of the HR policy.
Set performance objectives and measures of success for direct reports, providing regular feedback from staff appraisal processes.
Contributes to the ability of staff to meet performance objectives by providing day to day supervision, training and support and leading performance processes in accordance with Sidian policies and procedures.
Responsible for identifying and developing career path opportunities for staff.
Contributes to the development of staff by assisting with the interpretation and implementation of operational policies and procedures.
Responsible for assigning tasks to staff, scheduling and monitoring work and reviewing results for timeliness, accuracy and quality.
Contributes to the flow of staff communications, by conducting regular staff meetings – morning huddles and weekly progress meetings.
Encourages staff to participate in internal and external training and development opportunities as these arise and in accordance with individualized development plans.
Responsible for the presentation and service standards of retail staff to ensure a professional image is maintained with all clients.
Ensures adherence to dress code, code of conduct and HR policies and procedures and follows laid down grievance and disciplinary procedure to ensure a conducive work environment.
Responsible for mentoring and coaching the retail team to enhance staff motivation, engagement and improve performance.
Responsible for the overall Risk and Compliance activities in the branch set up and therefore must ensure compliance in all areas by Branch Staff and will be held accountable for lapses in the branch
Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
Manage performance /disciplinary issues/grievances for staff.
Ensure there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness.
Ensure the set number of learning/training hours are achieved for self and direct reports, through E-learning and Internal training activities.

Risk & Compliance

Act as the Risk management and compliance champion at the branch, responsible for compliance in the branch and ensuring that there are no repeat audit/risk findings.
Submit accurate and up-to-date Operational risk and control self-assessments (RCSA/ ORSA) on time.
To ensure implementation and compliance with operational policies and procedures.
Closure of identified deficiencies from concluded audits, correction within stipulated timelines, and ensure no repeat findings.
Ensure that all customers onboarded to the bank meet the minimum criteria and are screened adequately considering the Bank’s AML/CFT/CPF guidelines.
Continuously monitor customer transactions in the context of their profile, properly document the background and purpose of all complex, unusual, large transactions, and all unusual patterns of transactions, which have no apparent economic or visible lawful purpose.
Responsible for immediately alerting the MLRO on suspicious transactions or activities noted in customers’ accounts escalated by the branch staff. Any inconsistent activities or transactions, any suspicious accounts, any attempted accounts or transactions, must be investigated and reported to the compliance function immediately, placing a clear basis of suspicion.
Ensure that customer accounts are suitable for purpose e.g. avoid opening children’s accounts for normal day to day transactions as opposed to opening a current account.
Prior to Customer on boarding, ensure that a potential client has been screened, account opening form is duly completed and all required documentation as per the account opening policy obtained.
Ensure that verification is done as to the identity of the customer, documentation used to open an account, and conducted transactions during the customer journey.
Identify any high-risk accounts such as Politically Exposed Persons (PEP) at point of account opening and at execution of transaction continuously, given the dynamic nature of such high-risk accounts. Forward the details of such high-risk customer(s) and any PEP/PEP Related persons noted to senior management for approval. Ensure that such accounts have all the requisite documents such as updated annual EDDs, are marked as high risk in the system and the reason for high risk rating properly indicated.
Ensure that UBO information is obtained and captured in AODs and core banking at point of account onboarding and throughout the customer journey.
Ensure that all transaction forms are filled to completion and properly reviewed. Where information provided is not reasonable, a suspicious transaction report should be raised immediately as per process indicating the basis of suspicion.
Ensure that all staff within the branch are trained and have an Up to Date understanding of Anti Money Laundering/Countering Financing of Terrorism/Countering Proliferation Financing environment.
Identify major risks affecting the branch and ensure necessary steps are taken to measure, monitor, and control structure with control activities defined at each level and duties properly segregated
Recommend revision of controls, where appropriate, to address new or previously uncontrolled risks
Maintain a culture within the branch that emphasizes and demonstrates the importance of internal control to all staff.
Ensure compliance with agreed limits of authority and levels of access to systems and information
Respond to all AML/CFT/CPF queries when requested by Compliance Unit to allow the bank to comply with the requirements of The Anti-Money Laundering and Combating Financing of Terrorism Amendment Act of 2023
Ensure that staff have AML/CFT/CPF Key Performance Indicators (KPIs) and disciplinary action is taken against those who violate AML/CFT/CPF policies and procedure.

DECISION-MAKING AUTHORITY

Payment and receiving of transactions up to authorized limits.
Discretion on Rotation of branch staff within the various roles.
Approval of OMNI items.
Approval of staff leave.
Approval on costs within set budgets e.g. staff catering expenses, taxi expenses, facilities maintenance.

ACADEMIC BACKGROUND

University degree or above in a relevant business discipline e.g. business administration or finance.
Master degree will be an added advantage.

WORK EXPERIENCE

Minimum 6 years’ proven working experience in a Banking environment, with sound exposure to Branch Operations & Processes, 3 of which should be at a management level; 2 within a branch operations role and at least two 2 within customer service role.

SKILLS & COMPETENCIES

Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact performance.
Knowledge of relevant products and services.
Knowledge and effective application of all relevant banking policies, processes, procedures and guidelines to consistently achieve required compliance standards or benchmarks.
Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.

PROFESSIONAL CERTIFICATION