Our history dates back to 1986 when we were incorporated under the brand name, Credit Kenya Limited and commenced operations the same year as a financial institution. Later in 1995, we upgraded to a fully-fledged commercial bank and changed our brand name to Credit Bank Limited (CBL). The Bank currently has sixteen branches dotted across the country.
Main Duties:
- Ensure Branch profitability through growth of loans and commissions.
- Business planning and growth (deposits and loans) as well as customer growth and retention
- Management of risks- ensure internal controls, physical security of cash and ensure overall adherence to the laid down policies at his/her Branch.
- Implementation of the staff targets and ensuring that the Branch targets are met.
- Staff Management- maintain staff discipline, supervision, training, coaching and development.
- Ensure that all required branch reconciliations are done accurately and in a timely manner.
- Ensure Good Customer Service at the branch at all times to ensure member satisfaction and retention.
- Assist the marketing team to identifying and forwarding customer need to aid in developing attractive products & Services.
- Enhancing loan recoveries to ensure low Branch PAR
- Controls the utilization of and ensuring proper maintenance and custody of all assets at the branch.
- In liaison with operations/ finance department, ensure adequate branch liquidity and that there is enough cash at all paying points.
- Management information reporting and integrity
- Profit improvement and cost management.
Minimum qualification and experience required:
- Undergraduate University Degree in a related field
- Minimum 5 years’ working experience in a Banking environment, with demonstrated achievements in Business development, Branch Operations, Credit Management, 3 of which should be at a management level.
- Proficiency in computer use including MS Office tools and banking systems, preferably T24
- Knowledge of Banking and Business Operations: Well round knowledge of ALL the Bank’s operations and processes and excellent knowledge of Bank policies and procedure
- Risk Management: Ability to anticipate and mitigate risk by implementing appropriate Risk Management Policies for the Bank
- Audit Standards and Legislations: Good knowledge of International Accounting and Audit Standards, and Legislations
- Compliance and Regulatory Framework: Top notch understanding of the regulatory issues, reporting and operational requirement as provided by CBK, KRA, KIB, etc.
- Conceptual and Analytical Skills: Ability to quickly grasp and understand systems and keen to detail.
- Technology Skills: Knowledge of computerized banking applications and spreadsheets
- Credit Skills- Good Knowledge of personal and business credit underwriting and portfolio management.
