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ESSENTIAL JOB RESPONSIBILITIES

• Sourcing of SME clients for both deposits & loans in line with set targets.
• Sourcing of individual clients for both savings, Current and fixed deposit accounts in line with set target.
• Packaging of customers’ credit requests
• Conduct qualitative credit appraisals of clients’ businesses e.g. cash flow, profitability, P&L & Balance Sheet Analysis.
• Ensure credits are packaged in line with credit policies & procedures of the bank.
• Ensure credits are within the bank’s obligor limit
• Rendering financial advice to clients
• Rendering weekly & monthly reports to the management
• Ensure proper KYC are conducted on customers
• Monitoring the loan portfolio and follow up on repayment.
• Carry the entire operation and execution from loan approval to legal to disbursement.
• Monitor the client relations and payment schedule.
• Partner with possible institutions to help better serve our client requirement and get business.
• Understand the client need & design communication for them.
• Design Products suitable to market and client’s requirement in coordination and supervision of Head – SME.
• Study competitor and do product benchmarking.
• Maintain and manage the cordial relationship with stakeholders through client servicing.
• Recommending Cases to put up for appraisal
• Recommending New Product Design
• Recommending Institutional Tie-ups
• Evaluation of Financials of prospecting firms/customers
• Market research activities
• Provide feedback to senior management, marketing and product management on customer’s needs and the efficiency of marketing strategies and tactics. 
• Responsible for delivering a service to customers that matches the Bank’s brand promise of being “the Right Partner”.

ESSENTIAL JOB REQUIREMENTS

• Bachelor’s degree from a reputable institution with at least 5 years related experience.
• Advance knowledge of the Microfinance and/or Banking industry and related state or banking compliance regulations, banking law, etc. is a must
• High level of numeracy to evaluate complex statistical financial information is required
• Strong managerial, business development, analytical and research skills
• Strong leadership qualities with a proactive, results- oriented and a positive “can do” disposition
• Excellent oral, written communication and presentation skills
• Must possess good knowledge in results-based management systems (RBMS)
• Excellent computer skills in the use of Microsoft office suite and working knowledge of banking software.

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Job brief

• We are seeking a leadership-focused, responsible, and trustworthy Deputy Bank Manager to join our team!
• The ideal candidate will have previous experience working in commercial banking, preferably within a lead or supervisory role.
• The key focus of the role will be to support the bank manager with day-to-day tasks to ensure that the branch operates to the highest standard.

Responsibilities

• Liaise with the bank manager to ascertain the priority workloads on any given day.
• Lead shifts of cashiers, tellers, and other banking personnel in the absence of the Bank Manager.
• Open and close the branch of the bank in the absence of the Bank Manager.
• Assist with curating the rota, and schedule for various team members to ensure enough cover is always in place.
• Assist with hiring and interviewing of new team members and provide training and guidance to new hires.
• Ensure that any queries are resolved, whether from staff members or customers.
• Collaborate with Cashiers and other banking staff to help resolve technical and customer-related problems.
• De-escalate and calm angry or upset clients down, and provide suitable resolutions for clients within the bank.
• Be a keyholder to the safe room or safe deposit box room.
• Regularly attend emergency training and keep up to date with safety procedures.
• Conduct emergency drills alongside the bank manager and provide continuous training and development to the banking team.
• Ensure correct reconciliation is completed on a daily or weekly basis as requested.
• Ensure all monies are safely stored in the safe area.

Requirements

• Bachelors’ Degree or above in Finance, Business Finance, Accounting, or related field or vocational qualification and relevant experience
• Minimum of 5 years’ experience within a banking role, preferably as a team lead, shift lead, or supervisor
• Demonstrated knowledge of banking operations and procedures
• Excellent attention to detail
• Good Leadership skills, with the ability to mentor and train team members
• Adept with using general banking equipment such as computers, tills, and safes
• Good communication skills, both written and verbal
• Good computer skills, including Excel and Outlook
• Highly organized and able to work under pressure to specific deadlines
• Great Math skills