Key Responsibilities:

• Develop and implement business strategies to deliver performance and growth targets in Deposits, Customer numbers and loans of the Branch assigned. 
• Execute the Bank’s and Regional Business Strategies at the branch level. 
• Lead the development and implementation of business development initiatives with a focus on growing branch business volumes, customer base and income in line with business strategy. 
• Drive employee development and engagement within the branch. 
• Build a motivated, committed and high performing team. 
• Provide the overall coordination, leadership and management of performance at the branch. 
• Develop and implement sales and profitability plans to ensure achievement of Branch targets. 
• Promote the provision of excellent customer service in the branch to facilitate superior customer experience and business growth. 
• Oversee effective delivery of operations and services in the branch in line with agreed services standards. 
• Champion compliance and adherence to Bank’s policies and procedures especially as relates to credit, service and compliance for better risk management and mitigation. 
• Ensure security and safety of Bank’s assets, including structures, equipment, inventory and cash. 
• Enhance Brand Equity by actively participating in community, business and industry forums to build a network of contacts that improve the presence and reputation of the Branch and the Bank in the local area. 

Skills & Experience:

• University Degree from a recognized University. 
• Professional qualification in Banking, Sales / Marketing and Credit. 
• Seven (7) years Banking experience either in Branch management or in Sales, Service, Relationship Management, Credit or in Operations and of which three (3) years must have been in management position. 
• Sound knowledge of banking services, products and solutions including lending and credit administration. 
• Proven success in customer service, relationship management and business development. 
• Strong communication, analytical, and problem-solving skills. 
• Strong Leadership, Supervisory and team management skills.

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Job Description
Credit Analysis :

• Preparing quality credit applications. 
• Financial analysis of corporate customers using credit skills, ratio analysis; judgment of management and business strategy. 
• Verifying that securities provided are up to standard and forwarded for approval in line with the credit policy 
• Evaluation and understanding of risk associated with individual transactions, products and borrowers. 
• Meeting Amanah clients when required to achieve clear understanding of their business with key focus on risk analysis. 
• Assist Relationship Manager to monitor credit quality by highlighting early warning signs of credit deterioration. 
• Ensure compliance with Bank’s policies and to ensure that Bank’s policy breaches are properly authorized at the correct senior approving level. 

Enhance Customer Relationship: 

• Facilitate and accelerate business relationship through exceptional customer service to Amanah customers. Includes active engagement with customers from onboarding to managing Customer Retention. 
• Back-up to RM and assist in query resolution within anticipated turnaround time with further escalation to RM where need arises. 
• Handle customer service requirements like query resolution. 
• Effectively convert service recovery to sales opportunities and sustain client loyalty. 
• Together with the RM, offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters. 
• Gather competitive intelligence to determine what competitors are offering clients, product positioning and service offerings. 
• Continuously track market trends and ensure up to date knowledge of market offerings to be able to provide advice on potential business threats/opportunities. 

Portfolio Management/ Risk Management & Control: 

• Proactively manage risk and exposure for assigned portfolio continuously. 
• To ensure Compliance to quality of authenticated documentation and policy parameters. 
• Following up on due and pending facility repayments as stipulated in the credit approval and identified customer intelligence. 
• Meeting clients’ requirements om need basis while ensuring compliance with all regulations and controls as set by the Bank and external regulatory authorities. 
• Awareness of all the policies and procedures issued by the Bank and ensuring strict adherence. 
• Ensure KYC and AML compliance for all borrowing customers both new to bank and existing customers. 
• Ensure zero operational loss and effective complaint management. 
• Ensure strict compliance and responsible for achieving and maintaining satisfactory audit rating. 
• Identification of early warning signals for none performing accounts, tracking of early alert accounts and escalation to collections team where need arises. 

WORK EXPERIENCE

• 5-6 years of Commercial Banking experience of which at least 3 years of credit analysis exposure is a must. Have appreciation and operating knowledge of the banking industry, market, trends as well as challenges. 
• Demonstrable cross-cultural, people and relationship management skills, networking and negotiation skills, team motivation and leadership competence. 
• Strong analytical and interpersonal skills.
• Strong knowledge of local Islamic banking market and vision about future direction and market sensitivities.
• Excellent interpersonal, communication and presentation skills
• Some knowledge of the Bank’s lending principles, policies and procedures
• Ability to prioritize, meet deadlines and work under pressure
• Innovative and creative – ability to think creatively and develop innovative solutions.

QUALIFICATION &CERTIFICATIONS

• Bachelors’ Degree from a recognized University. 
• Master’s degree in a Business-related field from a recognized University is an added advantage.
   

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Key Responsibilities:

• Implement the Agriculture Sector Banking Business Development initiatives in line with the Bank strategy and business growth plan.
• Identify opportunities for growth and new business acquisition through market research, analysis and networking.
• Develop, grow and maintain a strong client and transaction pipeline and convert these to businesses that achieve customer satisfaction, the banks financial budgets and strategic goals.
• Actively market and drive the uptake of the Agriculture Sector Banking services and products to new and existing clients. Identify opportunities for cross-selling of relevant products and services.
• Ensure day-to-day client relationship management and engagement with customers to foster a good and lasting business partnership of the customer and the Bank.
• Promote excellent customer experience by driving and advocating customer requirements through the various functions in the bank to deliver high service standards that delight the bank’s customers.
• Ensure full compliance with Agriculture Sector Banking standards while adhering of the Bank’s policies and procedures.
• Partner with Regional Management, Branch Management teams and Support Functions to increase market share of the Agriculture Sector Banking segment with regard to customer numbers, products, service consumption and revenues while proactively reducing the non-performing loan book.
• Collaborate with Branch Managers and ensure to drive account utilization and sustainable deposits.
• Drive transactional income from Agriculture Sector Banking clients through effective customer service and cross selling the Bank’s products and services.
• Establish profitable banking relationships with Agriculture Sector Banking clients by providing high quality banking and other financial services where the Bank operates 
• Provide feedback to Management on Agriculture Sector Banking market analysis and segmentation with regards to products, credit risk evaluation and customer feedback among others.
•  In liaison with other stakeholders, ensure quality portfolio management by effective identification of risks and their mitigations.
• Conduct preliminary credit reviews and make recommendation for new and existing facilities in line with the Bank’s credit policy and Agriculture Sector Compliance guidelines.
• Regularly monitor performing/non performing accounts within the assigned portfolio.
• Support and coordinate post disbursement loan monitoring.

go to method of application »

Key Responsibilities:

• Implement the Agriculture Sector Banking Business Development initiatives in line with the Bank strategy and business growth plan.
• Identify opportunities for growth and new business acquisition through market research, analysis and networking.
• Develop, grow and maintain a strong client and transaction pipeline and convert these to businesses that achieve customer satisfaction, the banks financial budgets and strategic goals.
• Actively market and drive the uptake of the Agriculture Sector Banking services and products to new and existing clients. Identify opportunities for cross-selling of relevant products and services.
• Ensure day-to-day client relationship management and engagement with customers to foster a good and lasting business partnership of the customer and the Bank.
• Promote excellent customer experience by driving and advocating customer requirements through the various functions in the bank to deliver high service standards that delight the bank’s customers.
• Ensure full compliance with Agriculture Sector Banking standards while adhering of the Bank’s policies and procedures.
• Partner with Regional Management, Branch Management teams and Support Functions to increase market share of the Agriculture Sector Banking segment with regard to customer numbers, products, service consumption and revenues while proactively reducing the non-performing loan book.
• Collaborate with Branch Managers and ensure to drive account utilization and sustainable deposits.
• Drive transactional income from Agriculture Sector Banking clients through effective customer service and cross selling the Bank’s products and services.
• Establish profitable banking relationships with Agriculture Sector Banking clients by providing high quality banking and other financial services where the Bank operates 
• Provide feedback to Management on Agriculture Sector Banking market analysis and segmentation with regards to products, credit risk evaluation and customer feedback among others.
•  In liaison with other stakeholders, ensure quality portfolio management by effective identification of risks and their mitigations.
• Conduct preliminary credit reviews and make recommendation for new and existing facilities in line with the Bank’s credit policy and Agriculture Sector Compliance guidelines.
• Regularly monitor performing/non performing accounts within the assigned portfolio.
• Support and coordinate post disbursement loan monitoring.

go to method of application »

Job Description

• Implement the Infrastructure, Oil, Energy, Transport & Manufacturing Banking Business Development initiatives in line with the Bank strategy and business growth plan.
• Identify opportunities for growth and new business acquisition through market research, analysis and networking.
• Develop, grow and maintain a strong client and transaction pipeline and convert these to businesses that achieve customer satisfaction, the banks financial budgets and strategic goals.
• Actively market and drive the uptake of the Infrastructure, Oil, Energy, Transport & Manufacturing Banking services and products to new and existing clients. Identify opportunities for cross-selling of relevant products and services.
• Ensure day-to-day client relationship management and engagement with customers to foster a good and lasting business partnership of the customer and the Bank.
• Promote excellent customer experience by driving and advocating customer requirements through the various functions in the bank to deliver high service standards that delight the bank’s customers.
• Ensure full compliance with Infrastructure, Oil, Energy, Transport & Manufacturing Banking standards while adhering of the Bank’s policies and procedures.
• Partner with Regional Management, Branch Management teams and Support Functions to increase market share of the Infrastructure, Oil, Energy, Transport & Manufacturing Banking segment with regard to customer numbers, products, service consumption and revenues while proactively reducing the non-performing loan book.
• Collaborate with Branch Managers and ensure to drive account utilization and sustainable deposits.
• Drive transactional income from Infrastructure, Oil, Energy, Transport & Manufacturing Banking clients through effective customer service and cross selling the Bank’s products and services.
• Establish profitable banking relationships with Infrastructure, Oil, Energy, Transport & Manufacturing Banking clients by providing high quality banking and other financial services where the Bank operates 
• Provide feedback to Management on Infrastructure, Oil, Energy, Transport & Manufacturing Banking market analysis and segmentation with regards to products, credit risk evaluation and customer feedback among others.
•  In liaison with other stakeholders, ensure quality portfolio management by effective identification of risks and their mitigations.
• Conduct preliminary credit reviews and make recommendation for new and existing facilities in line with the Bank’s credit policy and Infrastructure, Oil, Energy, Transport & Manufacturing Compliance guidelines.
• Regularly monitor performing/non performing accounts within the assigned portfolio.
• Support and coordinate post disbursement loan monitoring.