Available Jobs - Banking / Financial / Insurance(13)
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Available Jobs Banking / Financial / Insurance
Monitoring of the portfolio to identify the clients above 30 days in arrears
Corresponds with customers to negotiate and monitor payment plans. Research each account using company records and online resources that are made available.
Develops collections methods that consistently lead to achieving or exceeding company financial goals.
Conduct custom collections campaigns on each client that consist of emails, phone calls and standard mail correspondence.
Coordinates collection efforts with other credit staff and/or employees in order to respond to individual needs, collect outstanding balances more efficiently and recommends system and procedural changes in collections efforts.
Coordinate weekly work plans and supervise the work of loan officers to ensure that they are performing to expectation
Reach out to potential clients and provides loans to qualifying prospects.
Responsible for full lending cycle of loan initiation, processing, monitoring and repayment. Select clients, provide detailed products and services information, conduct client evaluation, collect all the necessary documents and check their accuracy, present credit proposals at credit committees, and process loans documentation. Explain to clients all the details of the disbursement and repayment process.
Manage the loan accounts by closely monitoring repayment behaviors and client’s socio-economic situation.
Maritain a high-quality loan portfolio and manage its sound growth based on performance targets and detailed working plans.
Develop weekly and monthly action plans with regard to client mobilization and individual performance goals.
Maintain a good knowledge of his/her assigned market area and understanding of clients’ needs and competing products. Research and develop new business opportunities within assigned geographical zone.
Research background documentation and review personal and business financial statements and tax returns. Analyze financial information and prepare the preliminary analysis for loan underwriting
Consult and work in tandem with Loan Officers/Receptionist/Direct Sales Agents in gathering appropriate documentation to resolve credit quality issues.
Conduct thorough analysis of each borrowers payment capacity and willingness; and evaluate the credit risk. Actively work on maintaining clients’ repayment willingness.
Fully responsible for all collections efforts regarding clients in his/her portfolio; daily monitor clients’ repayment, act immediately on loans in arrears according to the Credit Policy. Present all delinquent clients and recommend solutions to the Collections officer and CEO.
Writing, reading and comprehension skills
keen attention to detail.
Strong customer orientation.
Gather and monitor financial data (e.g. sales revenues and liabilities)
Prepare monthly, quarterly and annual statements (balance sheets and income statements)
Forecast costs and revenues
Manage tax payments
Organize internal audits
Prepare budgets (for the entire company)
Monitor and report on accounting discrepancies
Conduct detailed risk analyses to assess potential investments
Analyze financial trends
Perform month-end and year-end close processes.
Compliance reporting to regulatory authorities.
Implementing budgetary controls.
Ensure that the quality of the calls mail Facebook and all channels of communication with clients is compliant with predefined parameters.
Provide the relevant process reports on a on a daily basis
Seize opportunities to upsell products when they arise
Build sustainable relationships and engage customers by taking the extra mile.
Keep records of all conversations in our call center database in a comprehensible way
Meet personal/team qualitative and quantitative targets;
Give Call Centre Manager feedback on your findings for our continuous quality improvement cycle
Track record of over-achieving quota (set targets)
Strong phone and verbal communication skills along with active listening
Customer focus and adaptability to different personality types
Follow communication scripts when handling different topics;
Identify customer needs, clarify information, research every issue
Should compile monthly reports on areas that affect your office.
Excellent interpersonal and communication skills (oral & written),
Enthusiastic, self-starter, with strong multitasking abilities,
Analytical, good problem solver.
Ability to maintain confidentiality and exercise extreme discretion
Problem Analysis & problem-solving Skills and a Team player
Attention to details, Listening skills,
Adaptability, and stress tolerance,
Data entry/ Computer skills, and typing skills
To provides leadership for the development, management and use of Information Technology (IT) across the organisation through the formulation and subsequent implementation of IT strategies aligned to the corporate goals and objectives through IT support via service desk operations, application support hardware support, data telecommunications and IT security in harmony with best practices and IT governance guidelines.
Responsible for following key areas:
Participates annually in the strategy formulation by giving IT input for considerations
Aligns and directs information technology investments in line with corporate objectives
Drives strategic initiatives by leveraging software architects and best practices in new system development efforts across all departments
Oversees the implementation of agreed strategic goal
Comes up with a budget for the unit annually
Executes the budget according to need and budget allocations
Monitors the budget monthly
Reviews the budget as and when necessary
Information Technology Security
Defines controls, processes and procedures in line with the best practice and corporate governance issues to safeguard data integrity of the bank continuously
Enforces Information Technology policies and procedures by having systems and reports to monitor activity on all system platforms
Regulates logical and physical security to the Information Technology infrastructure
Oversees that the Information Technology security awareness programmes are achieved through security bulletins to the staff quarterly
Aligns IT risk management with enterprise-wide risk management
ICT service -helpdesk, system administration and support and maintenance
Oversees the implementation of system changes on all the bank Information Technology systems, both software and hardware
Manages a portfolio of development and support efforts - deliver needed functionality within budgets and timelines
Ensures that the systems installed and configured by subordinates are according to corporate standards
Ensures that Information Technology systems are secure from unauthorized access and virus attacks through installation of anti-virus whenever installing new machines
Checks that back-ups are done daily on servers by scheduling them for efficient service delivery
Reviews the solution to Information Technology requests as and when necessary
Reviews and improves the efficiency of the help desk system when? How often?
Provides senior level resolution to internal client issues
Provides technical support to marketing initiatives
Procurement of hardware and software
Guides the bank on the best available options on hardware and software purchases
Sources quotation for some Information Technology equipment that conforms to the bank standards
Ensures that all equipment is serviced and maintained and administer existing applications and hardware systems
Business continuity and disaster recovery
Formulates and establishes controls procedures to enhance data recovery in the event of a disaster
Ensures that data back up and restoration are done daily
Plans for growth where one wants to ensure that there is enough data storage for future growth
Reviews business continuity documents how often and why?
Provides guidelines on back-up power solutions to protect IT equipment from damage
Establishes service level agreements with all the Information Technology vendors, annually
Reviews service level agreements annually
Escalates queries to vendors which cannot be resolved internally as and when issues are beyond the scope of the internal IT team
Manages software and hardware agreements and services across the bank
Involved in the research and development of new products and innovation on existing products as and when necessary
Investigates on feasibility integration and standardization of systems
Oversees the implementation of Information Technology systems in the project
Champions change and effectively manages the implementation of new ideas
Provides advice and guidance to members of staff and other stakeholders on technical matters related to IT systems and processes
Excellent communication skills. Speaks and writes clearly, persuasively and informatively.
Balance team and individual responsibilities. Able to build morale and commitment to goals and objectives. Uphold confidentiality and customer privacy in all situations.
Professional. Reacts well under pressure. Treats others with respect and consideration regardless of their status or position.
Proactively seeks solutions that benefit the customer and the Bank.
Exhibit sound and accurate judgment.
Uphold Company Limited values.
Develop strategies to achieve organizational goals.
Display passion and optimism.
Observe safety and security procedures.
Pursue training and development opportunities. Continuously building knowledge and skills.
Effective leadership, management, coaching
To create, design, develop and install computer systems. This includes a detailed description of the system’s functionality so as to meet the requirements of end users. In the system design phase, the details are transformed into a hierarchy of charts that define the needed data and every process required so that they can be expressed like computer instructions. Often, the incumbent will implement new system by means of software adjustment, as opposed to custom-built programs.
Responsible for following key areas:
Deploy, maintain, and troubleshoot core business applications, including application servers, associated hardware, endpoints, and databases.
Meet and coordinate with internal and external stakeholders to establish project scope, system goals, and requirements.
Develop, analyze, prioritize, and organize requirement specifications, data mapping, diagrams, and flowcharts for developers and testers to follow.
Translate highly technical specifications into clear non-technical requirements.
Manage the set-up and configuration of systems.
Define and coordinate the execution of testing procedures, and develop test cases to serve the overall quality assurance process.
Provide documentation of all processes and training as needed.
Develop and implement maintenance procedures, monitor systems health, gather system statistics, and troubleshoot reported errors and alarms.
Perform design, implementation, and upgrades of information systems to meet the business and user needs.
Implement best practices for scalability, supportability, ease of maintenance, and system performance.
Proven ability to assess business needs and translate them into relevant solutions
Strong understanding and knowledge of the principles and practices associated with database maintenance and administration
Experience installing, configuring, documenting, testing, training, and implementing new applications and systems Working knowledge of a wide variety of programming languages
The Investment Officer will work with internal and external experts as required in the best interests of the company and its investors
He/she will act as a relationship manager, translating market developments and client needs into opportunities to create impact and do business.
The Investment Officer responsibilities include:
Building, maintaining and monitoring a portfolio of investments in Ghana.
Focusing on commercial activities and working closely together with specialists at regional level
Responsibility for the country´s portfolio performance and quality check of new proposals
Identifying the needs and opportunities that would benefit from the financial resources made available by the company
Responsibility for maintaining the local networks; representing the company at conferences and events
Conducting due diligence and preparing credit proposals, supporting the closing of deals and disbursements, monitoring and supporting capacity building projects.
(Monitor and) implement compliance guidelines and standards for processes and investments within own area of expertise, based on company procedures and regulations
This job might be for you if you:
Seek to advance your career in the agri business and financial inclusion sector
Have a keen interest in environmental, social and development issues.
Are proficient in analysing financial information and business plans.
Enjoy building and maintaining business relationships
Are willing to travel frequently (up to 20% of the time).
Analyzing, identifying and developing business opportunities to drive the business in achieving key strategic objectives.
Developing and submitting to the CEO, short term and long term plans to execute the above and ensure the growth of the Business.
Devolving the annual plan into quarterly plans in order to manage the business of the Division.
Develops the 3-5-year strategic plan and submits to the CEO for agreement.
Maintains and reviews awareness of relevant country and industry forces affecting the business.
Manages the acquisition of new clients / business through the relevant Department Heads by carrying out quarterly and monthly meetings and reviewing performance and deliverables for each segment; and decides the pricing structure for new and existing clients in line with the cost of funds as advised by Treasury and prevailing market conditions.
Grows the business through the Department Heads by identifying opportunities for incremental business through various channels and sales initiatives.
Ensuring that the quality of service provided is in line with the Companies standards.
Oversees credit quality by ensuring that regular credit reviews are carried out.
Provides oversight on risk concentrations and early detection of problem situations.
Reviews the pricing of the liabilities book to minimise funding costs.
Monitors the overall client relationship to ensure business retention.
Establishes and maintains framework to ensure business under area of responsibility complies with internal policies, procedures, codes and applicable external laws and regulations.
Maintains strong brand image and reputation by controlling and managing all activities which impact the external face of the whole business.
Ensure compliance with regulatory requirements.
Reviews departmental budgets.
Overviews, analyses, and agrees the optimum structure for the business with the Chief Executive Officer and arranges for the necessary updating and maintenance.
Excellent verbal and written communication.
Ability to delegate efficiently.
The ideal candidate will possess a strong financial accounting background, with demonstrable ability to meet reporting deadlines.
The candidate should also demonstrate experience engaging external auditors, tax authorities and senior-level executives in past roles, and a basic understanding of the overall financial services landscape, with expertise handling diverse industries and market segments.
They will have a demonstrated ability to think strategically about business, product, and technical challenges, with the skill-set to drive financial strategy.
Prepare the production of yearly financial statements which are fully compliant with International Financial Accounting Standards (IFRS).
Prepare the production of monthly management accounts.
Prepare month-end and year-end close processes and ensure quality control over financial transactions and financial reporting.
Prepare the annual budgeting process, develop budgets and put in place the long-term plans premised on sound assumptions.
Maintain a documented system of accounting policies and procedures to strengthen internal processes and control.
Coordinate the annual external audit process and, ensuring matters raised are adequately addressed in a timely manner.
Ability to manage governance risk, taxation and business process and internal controls
Proven capability for all encompassing financial reporting and analysis.
The right person will should have an appreciation of client due diligence and credit evaluation and will be capable of understanding the complexities financial services
Strong verbal and written communication skills are a must, as well as leadership skills.
Ability to think critically and be responsive to time sensitive requests
Good with people
Professional, honest, accountable
Well dressed and well spoken
Good with numbers
Must be able to explain financial products
Must be able to sell financial products independently/with minimum supervision
Good presentation skills
Good financial report writing skills
The role will mainly involve:
Executing the Treasury Sales business strategy and to manage the Treasury Sales team according to Policies & Procedures, and in line with Group Values
Developing and implementing a country specific Treasury Sales Strategy, specifically and separately targeting Local Corporates (LC’s), Multi-National Corporates (MNC’s) and Financial Institutions (FI’s), in line with the Bank Treasury Sales Strategy and country sales requirements
Knowledge of Treasury products
Knowledge of Sales Techniques
Understanding of interest rate and foreign exchange markets
Understanding of interest rate risk, foreign exchange risk and credit risk
Understanding of the policies, procedures and ethical requirements of a Treasury environment
Understanding of treasury back office operations
Understanding of the mathematic of pricing for FX and Money Markets
Understanding of political and economic activity and the impacts on exchange rates and interest rates
Duties to include but not limited to:
Lead role in annual budgeting and monthly forecasts
Lead role in monitoring and reporting on monthly performance against budget ensuring that functions are fulfilling their accountabilities
Generation and analysis of monthly Management Information for Board and all other senior management committees
Prepare ad hoc analysis to support tactical / strategic change e.g. competitor analysis, costs analysis, ‘what if’ scenarios etc.
Query cost variances with business/support functions
Participation in the implementation and delivery of change initiatives for the business and the division
Interact with senior business heads to align forecasts, priorities and service levels
The initiation, preparation and issuance of standard practices relating to all accounting, matters and procedures and the co-ordination of system throughout the corporation including clerical and office methods, records, reports and procedures
Monthly stakeholder’s communications – gathering of complex information, analysis, collation and validation of information from disparate sources, in order to produce reports and presentations for Executive team and Senior Management within the business and external stakeholders
Provide guidance on cost management
Develop and maintain relationships within and outside the division to ensure achievement of business deliverables
Develop the team to ensure continuity in the division
Performance analysis / reporting, including KPIs,
Management accounting (budgeting, forecasting and variance analysis) / thorough understanding of Accounting principles, core finance processes and systems
Working knowledge of desktop applications (MS Office, including advanced Excel) and information technology used in financial control and management reporting
Knowledge of banking
A working knowledge and understanding of the markets in which the bank operates e.g. competitors
Good knowledge and experience of financial accounting and management accounting techniques
Good knowledge of business and operating plans, and related financial targets
Strong skills in information gathering skills.
General knowledge of organisational structure.
Support the Head of Internal Audit in scoping the audit where necessary.
Identify, assess & document risks and controls.
Evaluate the design and operating effectiveness of controls and document them accordingly.
Write high quality audit observations and support the Audit Manager in writing the report.
Provide suggestions to management for actions to address control issues identified.
Support the Head Internal Audit in producing Audit Committee and other governance committee’s packs
Knowledge about new and emerging financial products and services.
Extensive experience in an operations / line banking area coupled with in-depth knowledge of data processing standards and procedures.
Experience in risk based auditing or risk/control activities
Proven track record of high performance in previous roles
We are looking for an experienced Commercial Director to add value to our growth activities by identifying new commercial opportunities and managing marketing efforts. You will keep abreast of trends and market conditions to provide strategic advice to upper management.
An excellent commercial director has an entrepreneurial mindset and great leadership skills. The ideal candidate will also be a creative strategist with excellent organizational abilities.
The goal is to promote and expand the company’s commercial activity that will generate revenues and lead to sustainable growth.
Responsibilities include but are not limited to:
To directly lead the Corporate Function through oversight of a mixed portfolio of Large Corporates, Business Banking, Small Business customers and Investment Banking
Formulate business development strategies and objectives to meet changing needs.
Provide long term strategic direction to the management of clients and portfolios and the development of business relationships.
Grow the team’s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives.
Assist in the evaluation of business viability and risks of large credit deal proposals and be jointly accountable (with credit division) for sign off of credit to a specific limit.
Motivate sound business deal proposals for new facilities or facility modifications that require the assessment of credit or other risk and incorporate insightful information regarding business strengths and vulnerabilities.
Formulate business development strategies and objectives to meet changing market needs.
Proactively research competitive threats/opportunities within the team’s market and geographical area.
Responsible for strengthening the corporate balance sheet
Develop and implement commercial strategies according to company goals and objectives aiming to accelerate growth
Conduct market research and analysis to create detailed business plans on commercial opportunities (expansion, business development etc.)
Understand the requirements of existing customers to ensure their needs are being met
Act to acquire new customers and manage client relationships (new and existing)
Collaborate with and coordinate diverse teams (marketing, sales, customer service etc.)
Build and maintain profitable partnerships with key stakeholders
Monitor performance of commercial activities using key metrics and prepare reports for senior management
Assist in setting financial targets and budget development and monitoring
Proven experience in sales and/or marketing and managing relationships with key clients
In-depth understanding of market research methods and analysis
Solid knowledge of performance reporting and financial/budgeting processes
Commercial awareness partnered with a strategic mindset
Excellent organizational and leadership skills
Outstanding communication and interpersonal abilities