Senior Officer Check-Off at Sidian Bank Limited

Key Responsibilities/ Accountabilities:

Validation/Confirmation of pre-approval documentation.

Confirmation of the checkoff loan application documents mainly the pay slip and the employment letters/contracts at the employers to ascertain the authenticity of the same.
Confirm customer’s credit worthiness as per Kenya Human Resource Information System (KHRIS)
Confirm that the customer has no pending disciplinary issue at the employer through contacting the various payroll managers for the various institutions.
Verifying authenticity of third-party documents such as loan statements
Validation of bank statement (salary account statement) in Bank statement analyzer system (SpinCrunch)
Independent CRB check of the borrower through Trans Union/Metropol
Ensuring authorization forms are signed by the employer where applicable

Turn Around Time and SLA Adherence

Ensure employer confirmation is done on time to avoid delays in loan processing
SLA Achievements – comply to set departmental SLAs.
Improve Customer Satisfaction Index
Improve departmental Net Promoter Score (NPS).
Provide a high level of service to the internal customer based on accuracy, responsiveness and turnaround time (TAT).

Risk and Compliance Management

Conducting weekly call back snap checks on sampled checkoff loan applications to ensure that the call back forms have been dully filled and that actual call backs have been done to the immediate supervisors.
Ensure documentation of all applications are in place and are valid.
Ensuring all applications have all required documents and the application is fully completed
Ensuring that loan and salary statements are authenticated.
Ensuring that all credit proposals submitted are compliant and in case of any breaches to policy/MOUs, these have been identified and mitigated adequately
Ensure that the Department’s Risk & Control Self Assessments (RCSAs) are done in line with the SLA in place
Achieve satisfactory ratings and outcomes from Internal Audit and Enterprise Risk Management

Portfolio Quality Management & Reporting

Ensuring the correct credit worthiness of a client is captured to ensure 100% adoption
Recommend changes in facility structures in the best interest of the clients and the Bank
Preparation of daily work reports and any other reports that are required from time to time.

Other Roles

Liaising with the various internal and external stakeholders for efficient processing of checkoff loans.

Any other duties as may be assigned by the line manager.

SKILLS & COMPETENCIES

Sound knowledge of Bank products and services.
Strong understanding of Kenya’s government payroll systems
Excellent interpersonal skills and demonstrated conflicts resolution skills.
Strong communication, presentation, and negotiation skills.
Attention for detail and capacity to meet strict deadlines.
Individual leadership skills, excellent planning and organizing skills.
Mature personality & team player.
Flexibility and an ability to change focus areas when needed.
Self-driven, self-motivated and a self-starter with a proven performance record.
Excellent understanding of personal banking business.
Exhibits an exceptional degree of creativity and resourcefulness.
Excellent business relationship management skills.

WORK EXPERIENCE

At least three years relevant work experience in both credit and operations (retail/personal banking and/or credit/ scheme loans processing)
Detailed knowledge of specific Retail Credit Products that a salaried customer may require
Knowledge and effective application of the Bank’s Credit policy & procedures, processes and systems
Knowledge and effective application of Prudential Guidelines and Banking Act.

ACADEMIC BACKGROUND

University degree preferably in Accounting, Finance, Management or Business Related
Good Computer skills – ability to use MS Word, Power-point, Advanced Excel and Analysis of Data

PROFESSIONAL CERTIFICATION

Opened Career