NCBA Group Assistant Manager Jobs in Kenya

NCBA Group Assistant Manager Jobs in Kenya

Job Purpose Statement

Managing the assigned portfolio at risk while implementing suitable debt management strategies so as to minimize impairment. A clearly defined strategy for following up and returning the accounts to full performing status must be documented on each name.

Key Accountabilities (Duties and Responsibilities)

Financial

Daily management of assigned portfolio of facilities in default between 1-90 days and/or not yet downgraded:

Collection of past due amounts from funded
accounts.

Monitoring telephonic collections deliverables

Analysis of credit default risk including watch accounts and implementing appropriate
rehabilitation options.

Implementing appropriate exit strategies

Analysis of accounts in past due, raising red flags and recommending to the Bank through the supervisor, exit or rehabilitation strategies, and in case of discount/waiver request, can recommend discount or waiver not exceeding 20% of the total exposure of an account.

Taking action to minimize monthly impairment
charges from bad loans.

Analyzing and recommending capitalization and
restructure requests for approval, including those
above the limit of direct reports.

Reviewing restructure requests and other exit
strategies from direct reports and recommending
approval/decline

Negotiating with clients and coming up with suitable exit strategies for delinquent accounts within assigned portfolio.

Monthly downgrading/classification of accounts: reviewing delinquent accounts recommended by direct reports to be placed on lock-up (classified/downgraded) and those to be exempted.

Liaising with and co-opting the assistance of all Business Units as may be necessary to arrange
recovery of arrears accounts.

Working and liaising with external agencies

Taking appropriate actions as per the applicable process flow

Foreclosure (security realization) processing as appropriate

Participating in court litigations or arbitration on behalf of the bank as may be called upon

Analyzing credit default risk in light of potential shocks in the industry and recommending
appropriate actions.

Authorization of transactions done by direct reports

Expense Control goals.

Conducting scheme reviews

Any other duty as may be assigned by the
supervisor

Internal Business Processes

Meeting regulatory compliance requirements and consistency in

adherence to and effective
application of established policies, processes,
procedures and tools in achieving optimal
efficiency and cost effectiveness.

Accurate and Timely Reports

Audit ratings - Satisfactory

CBK Inspection ratings – Satisfactory

ORSA ratings

Optimal System utilization

Collation and submission of quality data/reports in a timely manner or as may be required from time to time.

Reviewing assigned portfolio to ensure accurate asset classification in the system

Customer

Ensure quality of service by use of pre-done scripts and follow up using agreed procedures on all collection efforts

Timely closure of escalations by direct reports

Quality of credit services standards and maintenance of TAT as per policy.

Customer/field visits for watch accounts

Ensuring effective customer communication through calls, emails, issuance of demand letters and notices etc.

Clear communication and excellent relationship
management in handling assigned portfolio of delinquent accounts.

Learning and Growth

Effective follow up and supervision of team handing the assigned collection management tasks:

Self and team development

Performance Management of self and team’s.

Coaching and calibration

Academic:

Ideal Job Specifications

University degree Upper 2nd Class Honors or 3.0 GPA

Professional:

Computer literate

Relevant professional qualification in Banking, Risk Management and Law an added advantage.

Legal knowledge is highly desirable

Desired Work Experience:

At least 4 years work experience in a bank or financial services institution of which at least 2 years should have been in remedial management (Debt Collections and/or Recoveries).

How to Apply

For more information and job application details, see; NCBA Group Assistant Manager Jobs in Kenya

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