Regional Manager – Coast Region

ABOUT THE COMPANY

At Sidian Bank, we recognize the significant accountability and inherent risks that an entrepreneur takes to make his ideas and dreams a reality. It is for this reason that our mission is to empower entrepreneurs to create wealth through provision of transformational financial solutions that meet entrepreneurs needs and facilitate growth through convenience and choice.

JOB SUMMARY

University degree or above in a relevant business discipline e.g. business administration or finance.Master’s degree will be an added advantage.WORK EXPERIENCEShould have worked as a Branch Manager of a large branch for a minimum of 5 years, experience as a Sales Manager/ Team Leader would be an added advantage.Experience as Regional Manager for at least 2 years.Must be currently working in the Financial industry.Sound knowledge of Business Banking/SME products, services and processes together with exposure in retail banking branch operations.SKILLS & COMPETENCIESExcellent 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 CERTIFICATIONDiploma in Banking – AKIB (added advantage)

RESPONSIBILITIES

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 share 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 ReportingMonitor the performance of Branch Banking and partnerships to ensure that they operate according 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 IntelligenceIdentify 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 & ComplianceEnsure 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 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 suspicionResponsible 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 portfolio 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 requirementsEnsure 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.

REQUIRED SKILLS

Customer service, Fraud risk assessment and management, Conflict and complaint resolution, Account management

REQUIRED EDUCATION

Bachelor's degree