Universal Banker

SKILLS, KNOWLEDGE & COMPETENCIES

• Business management skills

• Credit management skills Supervisory skills

• At least 4 years as a Universal Banker doing MSME loans

• Lending hands on experience of at least 3 years.

Competencies Required

• Good communication
  
• Interpersonal skills
  
• Team leader/player
  

3. QUALIFICATIONS & EXPERIENCE

• 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
  

• 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 for all customers.
  
• Cross sell all Faulu products and services to both existing and potential clients.
  
• Business growth initiatives including marketing activities, new business sign ups, new partnerships etc.
  
• Prepare credit appraisals, analysis and present to the Branch Credit Committee meetings further 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 the portfolio quality on a daily basis and proactively institute remedial actions.
  
• Promote Digital Banking adoption by onboarding and supporting customers on usage of Digital Banking platforms (Digi Cash, Internet Banking USSD Code)
  
• Liaison with the branch leadership team, local authority i.e. chiefs, opinion leaders to reinforce loan collections
  
• Monitor, on a continuous basis, all transactions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)
  
• Implementing and enforcing the board approved AML, KYC & CFT policy in as far as is applicable within my area of responsibility.