Nairobi County, Kenya
The role will report to the Relationship Manager (RM) and will be responsible for: • Analyzing and preparing high quality credit appraisals/applications for new and existing customers within required timelines for review by the Relationship Manager. This involves:-
a) Researching on the customer (KYC) either based on existing information or in the case of a new customer, performing research. b) Understanding the facilities requested. c) Working out the required securities to be provided. d) Analysing the customer’s financials. e) Giving an overall risk rating based on overall analysis. f) Giving justification for the facilities. g) Making amendments based on feedback received from Relationship Manager in accordance with the Bank’s principles on lending, and CBK guidelines. h) Preparing & submitting Credit Appraisal’s to Credit Department. i) Resolving follow-up queries and proposed amendments to Credit Appraisals. j) Reaching out directly for additional information required for Credit Appraisal preparation.
• Conducting on-going research and analysis to enable the Relationship Managers fully understand the business context and assist in identifying future business opportunities. Interpreting research findings & analytics and making recommendations regarding potential opportunities. • Preparation of Account Plans that will assist in identifying various business opportunities in close partnership with RM’s • Compiling & analyzing information regarding sales activities and business pipeline • Interacting and liaising with clients with the intention of providing or requesting for information to assist in deal execution and/ or gathering critical information for the Bank. • Preparing letters requesting review information and following up for receipt of the required information in liaison with the RM’s as well as maintaining a diary of due dates for review to ensure facilities are reviewed on schedule • Reviewing and dispatching of letter of Offer (LOO); follow-up with client to ensure LOO is signed. • Assisting RM in follow-up with credit administration for timely disbursement of funds to client • Supporting RM in pre-client meeting preparation; attending meetings and building client rapport; gathering relevant information to generate call report; preparing call report • Supporting RM’s in Excess Management, Compliance/Audit related issues and generally ensuring an efficient credit process • Supporting RM’s in resolution of client queries in liaison with other Departments and assisting in ensuring continued client satisfaction.
QUALIFICATIONS AND COMPETENCIES
• Bachelor’s degree in a Business related field from a recognized institution. • CPA (K) / ACCA or its equivalent; • Member of Institute of Certified Public Accountants (ICPAK) or its equivalent professional body. • At least 1 year relevant experience • Ability to write letters, reports and/or perform routine calculations • Knowledgeable in financial analysis; • Good communication and interpersonal skills. • Excellent credit risk assessment skill
Nairobi County, Kenya
PURPOSE: The position is responsible for marketing to new and existing clients to grow quality business of both the asset and liability book in line with segment targets and attain target profit for the Segment. This role is also responsible for the retention of existing Segment customers, and growing the wallet share from existing business/personal banking requirements and effective management of the relationship /customer experience. The role is also the point of contact for borrowing customers.
Prospecting for new business opportunities and offering the full range of Banking products and services such as personal accounts, current accounts, loans, fixed deposit accounts, card products, Internet Banking, Home Loans, Commercial Advances by way of Working Capital, Term Loans, STL’s, Hire Purchase, Asset Financing, IPF’s, Letters of Credit and Letters of Guarantees;
Documenting Account opening and executing all KYC documents to facilitate account opening and all Bank’s products and services;
Obtaining related financial documents to be able to put forward any new borrowing requests from the client;
Preparing Call reports with recommendations and submitting for consideration by approvers;
Mobilizing High Cost and Low Cost Deposits and growing the Bank’s Deposit Base in line with Segment targets;
Providing feedback to the client on the outcome of their request and providing other solutions which could be beneficial to them in the long run;
Processing and concluding transactions in a timely manner;
Making regular client visits to review business requirements, assessing assets under securities held or offered and submitting call reports;
Processing ad-hoc/additional/new requests/excesses under allotted portfolio and obtaining approvals where/when required;
Cross selling the Bank’s and Group’s products.
Conducting reviews and renewals for existing relationships for clients enjoying various Credit facilities by proposing and recommending Credit Appraisals;
Making follow ups with Credit department on the offer letter and other Banks contractual documents for the client to execute for facilities approved and following up internally and externally for processing of securities and marking limits;
Attending to the Credit Audit report and ensuring that ARPs are promptly attended to and resolved;
Making regular customer meetings and visits to build and grow the relationship;
Filling customer instructions/important loan related documents in the client’s respective dockets for safe custody as the information is private and confidential;
Reviewing Loan excess and arrears reports on a weekly basis and providing comments for all accounts listed. This involves making daily follow ups with clients to ensure that their accounts are conducted within their sanction limits and any irregular excess are regularized within the shortest time possible;
Reviewing and commenting on enhanced and new facilities at the end of every month as per the Central Bank of Kenya requirement to the Credit department.
Master’s degree in Business Administration or its equivalent from a recognized institution will be an added advantage; and
Bachelor’s degree in Business Administration/Marketing or its equivalent from a recognized institution.
Chartered Institute of Marketing diploma or its equivalent; and
Member of Chartered Institute of Marketing (CIM) or equivalent professional body.
At least 5 years relevant experience
Ability to write complex letters, comprehensive reports and to perform complex calculations.
Skills and Attributes
Excellent communication and interpersonal skills;
Good financial analysis skills;
Excellent problem solving and decision making skills;
Knowledgeable in credit, legal (conveyancing) and lending knowledge;
Basic understanding of Banking Law; and
Knowledgeable in the Banking Act, CBK prudential guidelines and credit policies.
Spinners Web Kenya
Nairobi County, Kenya
The company is looking for a results-driven and energetic person who will actively seek out and engage customer prospects. This person is customer-serviced focused. A design background or an eye for design is also preferred.
The candidate must be eager to learn and gain extensive product knowledge of Spinners Web’s merchandise in order to meet the needs of every customer, thus boosting company profitability through sales.
Willingness to engage with each customer and provide excellent customer service
Achieve growth and hit sales targets.
Implement business plans that expand company’s customer base and ensures its strong presence
Build and promote strong, long-lasting customer relationships by partnering with them and understanding their needs
Full and extensive knowledge of changes in customers’ buying patterns
Friendly and engaging personality possessing excellent selling, customer service and communication skills
Possess a natural eye for design, and be able to put together creative eye-catching displays
Diploma in business administration or a related field, preferred
Successful previous experience as a sales representative is a benefit, but preference will be given to the candidate with the right sales/customer service attitude
Proven ability to drive the sale targets.
Pagumen Tour & Travel S.C
Addis Ababa, Ethiopia
General Duties and Responsibilities
This position holds to ensure the plans and programs of Pagumen are in congruence with it's vision, mission, strategic objectives and deliverables agreed. The responsibility includes translating the organizational objectives into work plans. Designs flexible itineraries, individual and group tour packages for inbound and outbound tourism activities. Ensures that flexible and customized tour service prices are prepared.
Responsible for directing, coordinating, controlling and managing car hire activities and travel services- facilitating domestic and international air tickets, reservations. Ensures that all the company’s fleet /vehicles/ is always properly maintained, in excellent order and condition and ready for operational activities. Ensure planned activities are executed with quality and professional standards as well as developing project ideas and proposals.
Specific Duties and Responsibilities
Plans, organizes, directs, coordinates, controls and manages the overall activities of the Tour and Travel, Ticketing and Car rent Operation.
Efficiently responding to and communicating with individuals, groups, tour operators of different countries, as well as locally who are looking for tour services, providing them with all the necessary information about itineraries, individual and group tour packages, tour service prices etc…and enters into agreement as required.
Designs itineraries, individual and group tour packages for inbound and outbound tourism activities.
Based on the market research prepares individual and group package tour and other service prices and from time to time revises same depending upon market condition, research and competitors’ analysis.
In accordance with the existing international rules and regulations, responsibly receives air tickets from airlines and hands them over to the company’s ticketing agent accordingly. Ensures that customers are given appropriate services in accordance with international rules and standards.
Ensures that ticket offices are of top quality standards, opulent, spacious, system focused, technologically driven and are always tidy and ready to render appropriate services to customers.
Ensures that air ticket sales commissions are collected from the concerned airlines in time according to the agreement in place.
In cooperation with Marketing and Business Development Department, promotes and develops domestic tourism by designing various tour programs and tour packages for Ethiopians, diasporas and others so that they can visit places of touristic interest /tourist destinations /attractions/, and take part in various religious and cultural celebrations and festivities.
Ensures that all self and chauffeur driven vehicles are always ready and available in their duty stations – hotels, airports, main and branch offices etc… for car hire and transfer services.
In cooperation with the Logistics and Resource Management Department, ensures that all the company’s fleet /vehicles/ are always properly maintained, in excellent order and condition and ready for operational activities.
Ensures that tour programs, arrangements and operational activities run according to plan and schedule and as safely, smoothly and enjoyable as possible from beginning to end by ascertaining that tourists are provided with efficient, reliable and appropriate services, caterings and accommodations and with practical support through the trip aiming to exceed their expectations.
Effectively deals with customer enquiries, feedback, comments, tour problems, the analyzes, evaluates and responds appropriately, immediately takes remedial measures as required and depending upon the severity of the problem reports to the Chief Executive Officer for swift solutions.
Participates and ensures that employees under him/her supervision participate in skill up-grading, and performance enhancing training programs as required.
Ensures that job description is given to employees under his/her supervision analyzing, controlling, coordinating and managing the performance of their activities in achieving the company’s basic objectives, plans and policies. Giving guidance and immediate solutions, when problem arises in departmental activities.
Ensures that all the company’s tour agents, tour operators and other partners are groomed properly wear uniform and knowledgeable about tour destination areas
Prepares annual plan and budget for the department and submits for approval to the Chief Executive Officer.
Developing team spirit among staff.
Ensuring staffs have internalized the values of the Organization.
Prepares monthly, quarterly, bi-annually and annually performance report of the department and submits to the Chief Executive Officer.
Master’s degree in Tourism and Hotel , economics, business administration or related disciplines with 5 years’ experience in senior management role
Significant experience in supporting business establishment or start-ups in the form of business advises, Tourism and Hotel and management.
Excellent communication and partnership management skills
Extensive Business management experience and good organizational, management and leadership skills
Both verbal and written fluency in English and knowledge of French or any other language is desirable
Ability to work independently and shoulder delegated authority
Visionary with strong technical and analytic capacities and sound judgment
Team player and strong experience in managing hospitality and resource mobilization.
How to Apply
All interested candidates who meet the above criteria and wish to be considered are requested to submit their application with non-returnable comprehensive curriculum vitae (CV), a copy of credentials, and the names and addresses of three references within 10 days from the date of this announcement to: firstname.lastname@example.org