1. BRANCH SALES MANAGER(13 vacancies)- BUSINESS BANKING DEPARTMENT
REPORTING LINE: REGIONAL SALES MANAGER
Job purpose:
The job holder will contribute to business development by selling the banks products/services to existing and new clients, work alongside the Business Support Officers to develop and oversee client relationships to ensure that top level service is provided and continuously monitor the loan portfolio quality of the segment.
The successful candidates will be responsible for the following:
• Responsible for the business growth in assets (Loans) and liabilities (Deposits) of the assigned sector, area, and /or customer segment.
• Responsible for achieving set targets and ensure maximum profitability
• Responsible of building leads that deliver real results and keep a strong pipeline
• Advocate of the Bank’s brand in and outside the office
• Seek opportunities from the market and develop new relationships by thoroughly understanding the market dynamics, customers’ needs, competition and regulatory framework.
• Responsible of cross-sell of other banks products and services.
• Ensure facilities are structured to meet requirements of customers’ needs
• Responsible for the quality of recommended credit applications
• Responsible for reducing credit risk and balance sheet
optimization to secure high return on asset invested
• Ensuring overall delivery of high quality customer service and responsible for resolving of customer complaints within the Bank’s TAT standard.
• Provision of coaching, training and mentoring of any assigned staff.
To qualify for this role applicants must have the following education and skills:
• A Bachelor’s degree, preferably in Finance, Business, Banking or related fields
• Minimum of 3 years’ experience in business development,
customer accounts management or to have worked in
any similar fields in a financial institution will be an added advantage.
• Proven skills for marketing or sales of products/services; customers.
• Ability to understand credit financial analysis and origination of credit files
• Strong ability to plan, organize, monitor and evaluate
business performance in relation to set objectives.
• Strategic perspective and good knowledge of the Rwanda business market and regulatory infrastructure.
• Good computer skills (word, excel, database)
• Good communication, presentation and negotiation skills.
2. REGIONAL SALES MANAGER (1 vacancy)- BUSINESS BANKING DEPARTMENT
REPORTING LINE: SENIOR BUSINESS SALES MANAGER
Job purpose:
The job holder will contribute to MSME business development and ensure performance of the assigned Branch by selling the banks products/services to existing and new clients, work alongside with the Business Sales Managers to develop and oversee client relationships to ensure that top level service is provided and continuously monitor the loan portfolio quality of the segment.
The successful candidates will be responsible for the following:
• Responsible for the business growth in assets (Loans) and liabilities (Deposits) of the assigned sector, area, and /or customer segment.
• Responsible for achieving set targets and ensure maximum profitability
• Responsible of building leads that deliver real results and keep a strong pipeline
• Advocate of the Bank’s brand in and outside the office
• Seek opportunities from the market and develop new relationships by thoroughly understanding the market dynamics, customers’ needs, competition and regulatory framework.
• Responsible of cross-sell of other banks products and services.
• Ensure facilities are structured to meet requirements of customers’ needs
• Ensuring overall delivery of high quality customer service
and responsible for resolving of customer complaints within the Bank’s TAT standard.
• Provision of coaching, training and mentoring of any assigned staff
To qualify for this role applicants must have the following education and skills:
• A University degree in business related courses.
• Minimum of 3years experience in lending or similar environment, preferably in a relationship management role in a financial institution.
• Ability to plan, organize, monitor and evaluate business performance in relation to set objectives.
• Sound knowledge and proven experience in credit operations.
• Strategic and creative thinker.
• Bank or relevant operations, sales and people management experience to be able to recruit, train and manage performance of staff.
• Ability to develop strong internal relationships to support the successful servicing of customers and the delivery of sales targets.
• Strong negotiation and analytical skills.
3. PORTFOLIO MONITORING OFFICER (1 vacancy)- BUSINESS BANKING DEPARTMENT
REPORTING LINE: SENIOR ORIGINATION & PORTFOLIO MONITORING
Job purpose:
To manage the MSME portfolio through assigned monitoring accounts, compliance with approval conditions or contracts’ covenants e.g. securities, banking levels; identifying and reporting early signs of delinquencies; following up with both the RMs and Business Unit Head for ensuring issues identified & reported are addressed in a timely manner.
The portfolio Management should be done in line with the credit policy and any other related in force procedures e.g. Credit monitoring procedure.
The successful candidates will be responsible for the following:
• Constantly monitor allocated credit portfolio and maintain a healthy portfolio.
• Ensure adherence to all the Bank Policies and Procedures, the Credit Policy, Anti-Money Laundering policy and the internal code of conducts, etc.
• First line in managing credit portfolio and responsible for reducing credit risk and balance sheet optimization to secure high return on asset invested by RM;
• Visit customer premises along with the RM to ensure good understanding of business fundamentals and come up with appropriate structure.
• Pro-actively and timeously identify potential problems on credit files and formulate appropriate risk mitigating strategies.
• Daily, weekly, monthly monitoring and reporting on assigned loan accounts.
• Provide insights on all covenants included in the loan files and offer letters with proper recommendation to RMs and the Head of Department to reverse any negative trend when identified;
• Full collaboration with the RM/ Business Sales Managers in the portfolio monitoring, implementation of growth strategies and new sectors explorations;
• Share knowledge and best practice with team members and other Bank’s colleagues;
To qualify for this role applicants must have the following education and skills:
• Graduate or professional in Finance, Accounting, Business, Banking or related field
• At least 3 years of business or corporate lending
experience
• Strategic perspective and good knowledge of Rwanda Business environment
• Good computer skills (word, excel, database)
• Excellent credit monitoring and analytical skills
• Understanding of Rwanda legal frameworks.
Application Process:
Interested candidates are required to submit their CV and Cover letters- clearly indicating the title of the position being applied for to hr.recruitment@imbank.co.rw; the deadline for submission of applications is at 6:00pm on 18th October 2019.
NOTE: Only shortlisted candidates will be contacted.
