The company intends to rapidly expand in the coming years. The company is seeking to hire experienced professionals with Savings and Loans or Banking background to their team.

Click on any of the positions below for full details and application procedure:

1. Branch Manager
2. Branch Sales Supervisor
3. Compliance Officer
4. Credit Manager – Business Banking
5. Credit Manager – Retail Banking
6. Credit Risk Manager
7. Head of Business Banking
8. Internal Audit Manager
9. IT Officer (Banking)
10. Marketing Associate
11. Relationship Officer – Business Banking
12. Senior Relationship Officer
13. Sales Manager – Retail Banking

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The Branch Manager is responsible for sales, service, operating budget, profitability and operational integrity of the branch. S/He is the custodian of the CUSTOMER in the branch and shall ensure excellent customer experience in a secure environment whilst ensuring maximum outreach and sustainability of the company. S/He will ensure we achieve our digital-forward agenda and represent the company’s brand in the branch catchment area. The holder of this role reports to the Operations Manager

KEY RESPONSIBILITIES

Customer Experience

Ensure that customer service standards are maintained in line with the requirements of each market segment.
Ensure that customer complaints are monitored, reported, trends and root causes identified and addressed at source to prevent recurrence.
Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channel.
Ensure that best processes are implemented and sustained in the branch and managed effectively.
Ensure that we are primarily serving our customers via digital channels that will make their lives easier and ensure the efficient and affordable delivery of financial services.
Ensure efficient and effective resourcing (people and systems) to meet customer needs.
Ensure the branch staff are obsessed with our customers – understanding them and providing solutions to their underlying needs.

Sales Management

Develop and implement market penetration programs including market activation, promotions, with the view to widen the branch’s reach within its catchment area.
Develop micro market sales plans to achieve responsive sales budgets/targets for branch.
Gain a sound understanding of the different local market segments in the branch’s area of operation.
Keep up to date with changes and developments in the local market/area.
Manage and track sales leads and provide coaching and feedback to the team.
Coach the sales team on product knowledge and making the most of cross-selling opportunities.
Assist employees within the branch in generating meaningful and value-added customer solutions, thereby achieving maximum business development.
Develop and leverage on networks of influencers within catchment area for the ultimate benefit of Affinity and our customers.

DRIVING FINANCIAL PERFORMANCE

• Ensure the cost of running the Hub is optimal to generate the required value for the business.
• Manage the Hub to meet improve overall profitability and achieve required financial performance metrics to be determined from time to time.
• Ensure the balance sheet is optimal to generate the required revenues
• Minimize loan losses to improve profitability

SKILLS AND OTHER REQUIREMENTS

1. Comprehensive knowledge of banking policies and procedures relating to all areas under control
2. Knowledge of retail and business (SME) banking
3. Knowledge of business economics and financial management principles and practice
4. Knowledge of risk management and credit principles, including group dynamics
5. Knowledge of Operational processes
6. Ability to use MS Office applications– Word, Excel & PowerPoint
7. An extensive understanding of the banking environment
8. Ability to coach and motivate staff for high performance
9. Ability to manage stakeholders – both internal and external.
10. Passionate about financial inclusion through use of digital technologies
11. Digitally savvy and curious about technology

EDUCATION AND PROFESSIONAL TRAINING

• Bachelor’s Degree in accounting, Finance, Administration, or related field
• Three (3) years’ experience in bank branch management
• 3 years or more experience and training in managing and supervising branch operations gained from a service oriented, banking, or similar industry background

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The Sales Supervisor, Retail Banking, is responsible for leading Relationship Officers in the Retail Banking segment. He/she is required to drive the growth the deposit portfolio in line with agreed targets, as well as driving uptake of pre-qualified loans within the Retail segment. The Sales Supervisor will report directly to the Branch Manager, with matrix reporting to the Sales Manager, Retail Banking.

KEY RESPONSIBILITIES

People

• Supervise the Retail Relationship Officers’ daily performance to ensure the Branch achieves its targets and goals
• Identify, recruit, retain and lead a highly motivated and skilled Relationship Officers in order to meet the needs of customers in the segment and in line with the digital-forward approach of the organisation.

Customer

• Lead the deployment of the digital-forward value proposition of the Retail Banking segment to increase customer growth and retention.
• Work with the Branch Manager and Sales Manager, Retail Banking to plan and carry out activities to pursue monthly and annual objectives via customer onboarding, campaigns and customer retention programs through Retail Relationship Officers.
• Provide input and customer insights to ensure that digital channels and products are designed to meet customer needs.
• Work with Branch Manager and Sales Manager to initiate and implement sales/promotional activities to actively put the Institution’s products and services in the local market to increase market share within the branch’s catchment area.

Risk Management

• Identify, monitor and mitigate risks inherent in the selling process – mis-selling, treating customers fairly, reputational risk, operational risk and other risks.

SKILLS AND REQUIREMENTS

• Excellent interpersonal, oral and written communication skills
• Good leadership and the ability to motivate and coach a team into achieving set goals.
• Good marketing skills and a general knowledge of sales techniques.
• Proficient in the use of computers and software such as MS Word, MS Excel, MS Outlook, and MS PowerPoint.
• Assertive, and able to handle pressure effectively.

EDUCATION AND PROFESSIONAL TRAINING

• Bachelor’s degree in Business Studies, Business Administration, Business Management, Commerce, Finance, Accountancy, Banking, or any related field.
• At least 3 years of work experience in supervising a sales team in a bank or other financial institution in the personal and retail segment.
• Minimum of 3 years supervisory experience (people and team management)

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The Compliance Officer (CO) is responsible for managing all facets of regulatory compliance affecting the company’s operations, marketing, deposits, and lending through the approved compliance program. This position maintains and assesses compliance policies and business procedures for integration of regulatory requirements and industry best practices. The CO will be responsible for designing, evaluating, supporting, and influencing a culture of compliance throughout the organization, as well as assisting in the management and execution of an efficient compliance monitoring program.

Reporting Line: Reports directly to the Head of Risk and Compliance

KEY RESPONSIBILITIES

• Maintains current and extensive knowledge of the laws and regulatory guidelines by which the company’s is required to comply.
• Works with the team to monitor legislative and regulatory environment for proposed changes to laws and regulations and their potential impact on the company.
• Handle the management and execution of second line monitoring and assessment program for Anti-Money Laundering/Counter-Terrorism Financing (AML/CTF)
• Improve and maintain AML/CTF policies and procedure
• Aid in the improvement of tools to monitor, analyze, and report suspicious activity
• Handle file reviews of suspicious activity to ensure compliance with the policies and procedures put in place
• Aid in general compliance awareness and refresher training
• Maintains an in depth understanding of lending related compliance and regulatory requirements as they apply to the organization loan operating systems.
• Oversee the dissemination of compliance-related information to employees to ensure familiarity with compliance requirements.
• Partners with the Head of Risk and Compliance to oversee certain compliance procedures and offer risk management advice.
• Carries out internal reviews of the company’s compliance program.
• Submit periodic reports on the extent of implementation of the Company’s approved strategy
• Submit monthly report on extent and timeliness of agreed Branch and Departmental deliverables
• Works with the Operations Department to ensure that all policies and procedures are being followed
• Assists with research and response to customer complaints or concerns.
• Initiates investigations, when possible, non – compliance takes place within the institution
• Assist in providing regular compliance awareness training for newly recruited staff and other staff.
• Work with auditors and examiners during regulatory compliance audits and examinations.
• Report on the timeliness of the submission of appropriate reports to FIC through the Head of Risk and Compliance
• Serve as the Focal Point for interaction with the Financial Intelligence Centre (FIC) and Bank of Ghana, by working through the Head of Department
• Follow up and report on the timeliness of submission of Regulatory reports
• Experience developing and implementing compliance programs
• Must have keen analytical skills
• Must be detailed oriented
• Excellent verbal and communication skills
• Good interpersonal skills
• Must be honest and trustworthy
• Must have strong writing and presentation skills
• Monitoring and Evaluation Skills
• Good understanding of branch operations
• Excellent organizational and time management skills
• Attention to details

EDUCATION AND PROFESSIONAL TRAINING

• First degree in any business-related field
• 3 to 5 years’ experience in similar role
• Any Related professional qualification will be an added advantage

The post Compliance Officer (Banking) appeared first on Jobs in Ghana - Jobhouse.

The Credit Manager is responsible for the entire credit process in the Business Banking segment. This includes the developing and digitizing the credit processes and underwriting criteria within the segment, designing robust monitoring mechanisms to ensure a good quality portfolio; consistent application of agreed credit policies, periodic credit reviews of existing customers/schemes. The Credit Manager’s goal is to grow the loan portfolio with minimal loan losses.

KEY RESPONSIBILITIES

People

• Identify, recruit, and lead credit analyst to ensure they have the required skill and motivation levels aligned to the organization’s ambition and strategy.
• Work with Talent and Culture to identify and grow talent within the team.
• Embed a robust culture aligned with the organisation’s values and culture
• Identify skill gaps and provide coaching and training to the team.

Customer

• Ensure that underwriting criteria and our credit processes are customer-centric, yet robust to mitigate against any credit/operational/market risks.
• Identify and execute process improvements in the credit process – working with Sales Manager and Risk
• Review credit applications (based on limits set from time to time); and recommend for approval
• Implement measures to reduce turn-around time and rework rates for credit processed.

Risk Management

• Implement measures to provide first-level of defense against credit losses within the segment
• Work with Risk and Sales to implement robust and ongoing credit monitoring for entire portfolio
• On a continuous basis and working with Risk and Sales, identify sectors with opportunities to focus on and with risks to mitigate/avoid.
• Participate in risk appetite discussions for the segment – working with Head of Business Banking, Risk and Sales.

Financial Management

• Work with Risk and Finance to ensure that a robust impairment framework is in place to guarantee adequate impairment cover in line with best practices.
• Work with Products to ensure that our credit products and portfolio is appropriately priced based on the risk and market conditions.
• Work with Sales Team to ensure growth targets and revenue targets are met

SKILLS AND REQUIREMENTS

• Understands the trends and scope of credit methodology in Business Banking, and its impact on the company’s activities
• Knowledge and experience in a credit risk environment in SME segment
• Practical experience in managing and supervising credit operations gained from banking or financial institution.
• Knowledge and experience in lending credit and risk management, client screening, collateral perfection, product design, loan approval processes, repayment terms and incentives, delinquency and default management
• Excellent oral and written communication skills with the ability to communicate clearly and persuasively, interpret documents, understand procedures, write reports and correspondence; speak clearly to third parties and employees
• An understanding of how technology can be used to improve financial inclusion and how technology is shaping the financial services landscape.
• Strong customer focused and experience in relationship management will be an added advantage.

EDUCATION AND PROFESSIONAL TRAINING

• Bachelor’s degree in business management, commerce, marketing and sales or related field
• At least 6 years’ experience in managing credit in a bank or savings and loans Company
• Qualification in Finance will be an added advantage

The post Credit Manager – Business Banking appeared first on Jobs in Ghana - Jobhouse.

The Credit Manager is responsible for the entire credit process in the Retail Banking segment. This includes the developing and digitizing the credit processes and underwriting criteria within the segment, designing robust monitoring mechanisms to ensure a good quality portfolio; consistent application of agreed credit policies, periodic credit reviews of existing customers/schemes. The Credit Manager’s goal is to grow the loan portfolio with minimal loan losses.

KEY RESPONSIBILITIES

People

• Identify, recruit, and lead credit analyst to ensure they have the required skill and motivation levels aligned to the organization’s ambition and strategy.
• Work with Talent and Culture to identify and grow talent within the team.
• Embed a robust culture aligned with the organization’s values and culture
• Identify skill gaps and provide coaching and training to the team.

Customer

• Ensure that underwriting criteria and our credit processes are customer-centric, yet robust to mitigate against any credit/operational/market risks.
• Identify and execute process improvements in the credit process – working with Sales Manager and Risk
• Review credit applications (based on limits set from time to time); and recommend for approval
• Implement measures to reduce turn-around time and rework rates for credit processed.

Risk Management

• Implement measures provide first-level of defense against credit losses within the segment
• Work with Risk and Sales to implement robust and ongoing credit monitoring for entire portfolio
• On a continuous basis and working with Risk and Sales, identify sectors, demographics with opportunities to focus on and with risks to mitigate/avoid.
• Participate in risk appetite discussions for the segment – working with Head of Retail Banking, Risk and Sales.

Financial Management

• Work with Risk and Finance to ensure that a robust impairment framework is in place to guarantee adequate impairment cover in line with best practices.
• Work with Products to ensure that our credit products and portfolio is appropriately priced based on the risk and market conditions.
• Work with Sales Team to ensure growth targets and revenue targets are met

KEY RESPONSIBILITIES

• Understands the trends and scope of credit methodology in retail banking, and its impact on the company’s activities
• Knowledge and experience in a credit risk environment for Personal and SME
• Practical experience in managing and supervising credit operations gained from banking or financial institution.
• Knowledge and experience in lending credit and risk management, client screening, collateral perfection, product design, loan approval processes, repayment terms and incentives, delinquency and default management
• Excellent oral and written communication skills with the ability to communicate clearly and persuasively, interpret documents, understand procedures, write reports and correspondence; speak clearly to third parties and employees
• An understanding of how technology can be used to improve financial inclusion and how technology is shaping the financial services landscape.
• Strong customer focused and experience in relationship management will be an added advantage.

EDUCATION AND PROFESSIONAL TRAINING

• Bachelor’s degree in business management, commerce, marketing and sales or related field
• At least 6 years’ experience in managing credit in a bank or savings and loans Company
• Qualification in Finance will be an added advantage

The post Credit Manager – Retail Banking appeared first on Jobs in Ghana - Jobhouse.

The Credit Risk Manager would maximize returns by maintaining credit risk exposure within acceptable parameters. To manage the credit risk inherent in the entire portfolio as well as the risk in individual credits or transactions.

KEY RESPONSIBILITIES

1. Ensure the Institution’s portfolio quality is within acceptable standard.
2. Ensure team coherence and take lead in responsibilities.
3. Reduce income leakage by championing the automation of all income lines.
4. Monitor post disbursement conditions, track all deferrals and work with Credit Team to ensure compliance.
5. Ensure timely portfolio quality reports to Management on weekly and monthly basis, or as and when required.
6. Prepare and coordinate the required regulatory reports on portfolio quality on time and avoid any delays in submission.
7. Conduct periodic collateral inspection to ensure security accepted at inception of facilities are always unencumbered and protected.
8. Interact with customers to understand their business cycles for effective monitoring.
9. Improve workflow between credit monitoring and the Credit team to build a robust credit monitoring framework.
10. Supervise closely the Credit Monitoring team to limit the number of Early Warning Accounts migrating to Recoveries.
11. Avoid delays in review of loans, comply with Service Legal Agreement
12. Ensure compliance to regulatory standards (limits)
13. Update the Management Approval Register on daily basis, to keep up to date record of all approvals granted by management.
14. Conduct periodic assessment of the portfolio to ensure the institution will be able to withstand external and internal shocks.

SKILLS AND REQUIREMENTS

1. A sound understanding of Credit Risk Management principles and philosophy.
2. Digitally competent, utilizing technology to reduce cost and improve services.
3. Ability to effectively identify issues, analyze the problems and root causes and provide solutions.
4. Ability to communicate and work with people at different levels and from different backgrounds.
5. A keen and effective team player with excellent inter-personal skills
6. Ability to understand and interpret financial information and principles.
7. Excellent knowledge of MS office with significant report writing skills and presentation.

EDUCATION AND PROFESSIONAL TRAINING

1. University Degree-holder finance, accounting, or related disciplines.
2. Minimum 5 years of relevant working experience in the financial services industry
3. A master’s degree is an added advantage.

The post Credit Risk Manager appeared first on Jobs in Ghana - Jobhouse.

The Head of Business Banking is responsible for developing, executing, and managing the SME strategy and tactical business plan, taking into account market opportunities/growth potential, competitor activity, existing capabilities and risk appetite of the institution.

KEY RESPONSIBILITIES

Strategy

• Define measurable business growth objectives, management processes and measures.
• Participate in the strategic planning of the organisation and leading the business planning for the Business Banking segment.
• Devise and agree product and sales mix.
• Engages with external stakeholders to position the organisation as a partner for growth within the SME segment and for the benefit of our customers.
• Maintain alignment with the Retail Banking segment and other departments to ensure synergy in deploying our strategy across our chosen markets.

Customer

• Lead the preparation and implementation of Customer Value Propositions (CVPs) within the digital-forward strategy of the organisation.
• Implement customer journeys (on-boarding, retention etc) aligned to the strategy and value proposition of the segment and organisation.
• Responsible to define and drive client value and organisational value within the Business Banking segment.
• Grow scale and market share within our chosen markets.
• Responsible for driving an ecosystem banking mindset into the organisation to ensure that company leverages on the ecosystem of its Business Banking customers to grow.

Talent and Culture

• Identify, recruit, retain and lead a highly motivated and skilled team in order to meet the needs of customers in the segment and in line with the digital-forward approach of the organisation.
• Define and develop a service-based sales culture.
• Provide input into the People strategy of the organisation

Financial Management

• Responsible for achieving the financial metrics of the segment through sales, effective cost and margin management; and customer experience
• Ensure an efficient deployment of capital as measured by the segment achieving target ROEs set from time to time.
• As a member to ALCO to ensure liquidity and capital is management efficiently, within regulatory norms and for the benefit of shareholder returns.

Risk Management

• Effectively manage risks and governance standards within the segment – credit risk, operational risk, regulatory and reputational risk being the main risk elements.
• Responsible for maintaining a healthy portfolio as measured by impairments, loan losses and overall delinquencies.
• Lead the definition of the risk appetite within the segment – working with Risk department

SKILLS AND REQUIREMENTS

• Strong sales, credit and service orientation with outgoing personality and good communication skills.
• Strong leadership skills with an ability to coach and grow the next leaders of the business.
• Ability to influence various key stakeholders in referring and cross-offering potential business opportunities for sustainable business growth
• Highly agile in learning, adapting to ever-changing business environment, and with strong ability to cope at a fast and dynamic pace
• Highly sensitive to customers’ needs, able to provide quality services in exploring and fostering banking relationships among personal and business customers
• Experience in managing a P&L and balance sheet to optimize return on equity.
• Strong analytical and finance skills
• An understanding of how technology can be used to improve financial inclusion and how technology is shaping the financial services landscape.
• Ability to lead change and complex situations
• Excellent emotional intelligence and show of composure in uncertain and difficult situations.

EDUCATION AND PROFESSIONAL TRAINING

• Undergraduate degree
• A Master’s degree/professional qualification will be an added advantage
• 10+ years’ experience in SME banking

The post Head of Business Banking appeared first on Jobs in Ghana - Jobhouse.

To provide an independent appraisal, assist management to effectively discharge their responsibilities by providing relevant information for areas under review which will eventually, enhance and protect the company’s value through the provision of risk-based and objective assurance, advice, and insight. To also provide an independent audit evaluation on systems and controls to improve the effectiveness of controls and governance process within the company and to execute audit assignments in accordance with relevant policies, procedures, and quality standards as required by a specialized deposit taking institution.

KEY RESPONSIBILITIES

1. Assist the Internal Audit function to deliver on the approved risk based annual engagement plan.
2. Conduct detailed financial, operational and compliance audits and prepare timely reports in line with the risk based annual engagement plan.
3. Review the adequacy and effectiveness of internal controls within the company’s functions and identify improvement opportunities.
4. Review the adequacy of controls established to ensure compliance with policies and procedures.
5. Demonstrate flexibility and takes responsibility for completing the risk based annual engagement plan.
6. Develop an in-depth knowledge of the business area and use this knowledge to assess risks and controls.
7. Priorities effectively to deliver on time and adapt quickly to change and support business initiatives.
8. Display professional skepticism, raising and discussing contentious observations with the supervisor and adapting their styles as necessary.
9. Ensure audit fieldwork is conducted in a professional and timely manner
10. Discuss audit findings with the process owners and agree on the recommendation for improvement.
11. Prepare audit report for each audit engagement
12. Follow up on recommendations to make sure that effective remedial action is being taken.
13. Understand the professional internal audit standards and consistently apply the Internal Audit methodology in undertaking audit work.
14. Be quick to learn and seek opportunities to share this knowledge with colleagues.
15. Ability to flourish in a fast-paced, complex environment and willing to adapt to change.
16. Perform other duties as assigned

SKILLS AND OTHER REQUIREMENTS

1. At least three (3) years auditing experience
2. Experience in the financial services sector with a proven track record is an advantage.
3. Significant report writing and presentation experience
4. Experience in negotiation/influencing
5. Computer literate (strong MS Office skills) & Audit software skills
6. Experience in fraud Investigations
7. Hands on experience with financial and operations Audit
8. Proven experience with preparation of Internal Audit Strategic Plan, Engagement Plan and work program.
9. Excellent knowledge of Internal Audit Standards (IPPF) and methodology
10. Knowledge of the financial sector is highly required
11. Analytical and quantitative
12. Good interpersonal and communication skills
13. Effective team player

EDUCATION AND PROFESSIONAL TRAINING

1. Minimum of first degree from a recognized institution
2. Partly qualified professional from a recognized body such as CIA, CIMA, ICA (GH), ACCA, CPA, ACIB is considerable.
3. Qualified professional from a recognized body such as CIA, CIMA, ICA (GH), ACCA, CPA, CISA is an advantage.
4. Holders of any of these certifications; CISM, CISSP, ISO 270001, CEH, CHFI in addition to any of these; CIA, CIMA, ICA (GH), ACCA, CPA, CISA is an advantage.
5. MBA is an advantage

The post Internal Audit Manager (Banking) appeared first on Jobs in Ghana - Jobhouse.

The IT Officer will be working on several technology-based initiatives that would provide Ghanaians with secure and convenient digital financial services aimed at including the financially excluded. We use a multitude of technologies to manage web, mobile and USSD applications and have built a culture that values technical excellence and engineering best practices.

KEY RESPONSIBILITIES

1. Managing and monitoring all services for day-to-day works
2. Providing reports on services
3. Fixing daily end-user to company-assigned issues
4. Managing vendor activities for repair and maintenance of hardware and software services
5. Managing internal services ensuring all stakeholders have efficient and effective use
6. Adhering to all Bank of Ghana regulations on managing systems
7. Ensuring all tasks shared are worked on effectively

SKILLS AND REQUIREMENTS

1. Minimum 2 years of experience working in IT Support, systems administration, or software engineering
2. If you don’t have professional work experience, you can instead show us a strong track record of building/managing/project planning solutions for either yourself or clients.
3. Decent understanding of Information System principles, gained for example by completing an academic degree.
4. A working knowledge of data structures, coding languages (e.g.: Java, C front-end framework like Vue, React, or Angular.

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