Universal Banker Job Faulu Microfinance Bank

Banking Jobs. Faulu Microfinance Bank Jobs

Job Purpose:

Working closely with the Business Growth & Development Manager, the job holder will ensure implementation of sales & business growth strategies while maintaining the quality of the MSME book. He/she will identify business growth opportunities, acquire clients in the area of jurisdiction, provide support through Faulu Business Account opening, manage daily utilization towards future lending, and build a sizeable portfolio in both deposits & MSME, ensuring excellent client experience.

Responsibilities

Key Measurable Goals:

• Achievement of quality portfolio to meet targets: <3% for above 30 days and nil for below 30 days.
• Timely loan recovery and follow-ups to minimize delinquencies and improve portfolio health.
• Client acquisition, increase rate of MSME loan uptake, and relationship management.
• Increase revenues through cross-selling of other bank products (e.g., sale of cheque books, mobile banking enrolment).
• Active deposit mobilization to meet set targets.

Key Responsibilities:

• Proactively market and generate business through client recruitment, deposit mobilization, and disbursement.
• Conduct regular visits and follow-ups with customers to ensure satisfaction and foster long-term relationships.
• Maintain up-to-date records of all customer visits.
• Cross-sell all Faulu products and services to both existing and potential clients.
• Undertake business growth initiatives including marketing activities, new business sign-ups, and new partnerships.
• Prepare credit appraisals and analyses, and present them to the Branch Credit Committee meetings for review & recommendations.
• Adhere to current procedures, processes, memos, and circulars as may be issued from time to time.
• Provide ongoing support to Remote Sales Consultants to enhance their productivity and effectiveness.
• Address all customer queries within stipulated Service Level Agreements (SLAs).
• Monitor portfolio quality on a daily basis and proactively institute remedial actions.
• Promote Digital Banking adoption by onboarding and supporting customers on Digital Banking platforms (Digi Cash, Internet Banking USSD Code).
• Liaise with the branch leadership team and local authorities (chiefs, opinion leaders) to reinforce loan collections.
• Monitor all transactions continuously to ensure unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO).
• Implement and enforce the board-approved AML, KYC & CFT policy within the area of responsibility.

Skills

• Business management skills
• Credit management skills
• Supervisory skills
• At least 4 years as a Universal Banker handling MSME loans
• Lending hands-on experience of at least 3 years

Competencies Required:

• Good communication
• Interpersonal skills
• Team leader/player

Qualifications

Education:

• Business-related degree from a recognized university

Professional Qualifications:

• Accounts Qualification, Section 4 of CPAs

Additional Qualifications/Experience (Preferred, Not a Requirement):

• Master’s degree

How to Apply

Click here to apply