Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.
Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...
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- Contents
- Open Jobs
- Business Planning Manager
- Relationship Manager - Bancassurance
- Retail Credit Analyst
- Method of Application
- Job TypeFull Time
- QualificationBA/BSc/HND
- Experience3 years
- LocationNairobi
- Job FieldFinance / Accounting / Audit 
Principle Accountabilities
To assist the MD in implementation of sound controls and consistent governance operating model and processes across the Company to ensure adherence to HF Group’s governance procedures.
Strategy:
- Assist with the development, implementation and updates of the HFC Strategy.
- Drive business alignment within HFC.
- Undertake specific business projects for the MD - HFC.
Business
- Implement, track and report on performance vs. Management objectives for the MD - HFC and the direct reports.
- Focus on delivering financial performance, drive and monitor business plans, budgets and other business planning projects.
- Be a key contact for the direct and indirect reports of the MD - HFC mattes that require support.
Processes
- Organise and coordinate key business meetings and monitor follow up actions.
- Create and deliver reporting and presentations, as required.
- Optimise time management for the MD - HFC.
- Review materials submitted to the MD - HFC and ensure timely follow through.
- Identify and implement best practices in resources and process, ensuring consistency and relevancy.
Risk Management & Governance
- Work with the office of the Risk & Compliance Manager to ensure the risk and control environment is well managed.
- Ensure MD - HFC is briefed on key risk and governance issues.
- Manage follow up actions for HFC on risk issues.
Regulatory & Business Conduct
- Display exemplary conduct and live by the HF Group Values and Code of Conduct
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across HFC. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Effectively and collaboratively identify escalate, mitigate and resolve risk conduct and compliance matters.
Key Stakeholders
- HFC Top team and their support teams, shared services, Group, Exco and Board of Directors.
Other Responsibilities
- Embed the Group’s brand and values in the office of the MD - HFC.
- Performing other responsibilities assigned under EXCO.
- Implement track and report on management objectives for the MD - HFC and the direct reports, business performance management and productivity/efficiency assessment of the Bank.
- Undertake specific business projects for the MD - HFC.
- Organise and coordinate key business meetings and monitor follow up actions. Create and deliver reporting and presentations, as required.
- Assist with the development, implementation and updates of the business strategy in line with the broader HF Group strategic agenda. Ensure business alignment with other HF Group functional teams.
- Be a key contact for MD - HFC direct and indirect reports, for matters that require support
- Focus on delivering financial performance, drive and monitor business plans, budgets and other business planning projects.
- Identify and implement best practices in resources and processes, ensuring consistency and relevancy.
- Ensure engagement of wider support team.
Key Competencies and Skills
Technical and General Competencies:
- Experience with decision support systems, data analysis and dashboards.
- Strong writing and communication skills with the ability to articulate well.
- HR knowledge and skills.
- Strong inquisitive mind with the ability to structure information.
- Strong presentation skills, including use of PowerPoint, graphs, charts etc. to summarize data in a meaningful way.
- Ability to see the big picture and appreciate the strategic intent
- A team player with the ability to interact and work with a wide variety of stakeholders.
- Strong project management skills with ability to prioritize and handle a stretching, diverse workload.
- A self-starter with a hands-on style and determination to make a difference.
- Ability to work on broad strategic projects and day-to-day process –oriented tasks. Arranger and Process Discipline in order to drive multiple agendas.
- Flexibility and responsiveness in order to handle changing priorities and urgent requests from management.
- The capability to operate independently and with the maturity to run with several significant business initiatives in parallel.
- Strong organizational skills with the ability to operate with minimal guidance and identify priorities.
- Demonstrated strategic capability, but also a capability to attend to detail and financial data.
Minimum Qualifications, Knowledge and Experience
Education & Experience
- A Business-related degree from a reputable university.
- Professional qualifications in Accounting/Finance, Data Science/Analytics required.
- At least 3 years minimum working experience in a similar role in a Bank.
- Job TypeFull Time
- QualificationBA/BSc/HND
- Experience3 years
- LocationNairobi
- Job FieldInsurance 
Principle Accountabilities
- Mobilizing insurance sales from HF Group through scouting, organizing, participating in the sales activities for new customer acquisition and retention.
- Collaborate with subsidiaries with HF Group to develop well-tailored products to meet customer requirements.
- Establish, develop, and maintain positive business and customer relationships.
- Selling insurance products to all prospective customers (captive and non-captive) and delivery of set targets.
- Coordination of the insurance sales team to achieve the set sales target through allocation and handling logistics of sales activities.
- Ensuring 100% premium collection from generated sales and remittance to partner underwriters
- Manage existing customer relationships by giving prompt feedback on queries, concerns and complaints while giving updates on new products for customer satisfaction and up selling.
- Providing management information on performance through analysis, reports and updates for decision making by the Principal Officer, HFBI.
- Planning; Monthly, weekly and daily as well as weekly performance reviews.
- Appraisal of staff performance to achieve set targets.
- Any other duties as may be assigned from time to time.
Key Competencies and Skills
Skills and Attributes
- Excellent negotiation, presentation, and selling skills
- Excellent communication and interpersonal skills
- Excellent planning and organization skills
- Ability to work under pressure
- Excellent problem-solving and decision-making skills
- Results-driven and customer-focused
- In-depth understanding of the Insurance industry rules, regulations and business dynamics.
Minimum Qualifications, Knowledge and Experience
Education:
- Business/Insurance-related degree.
- ACII or AKII or progress towards the same will be an added advantage.
Experience:
- 3 Years’ sales experience in General and Life Insurance products.
- 3 Years’ exposure to General and Life Insurance associated processes
- Job TypeFull Time
- QualificationBA/BSc/HND
- Experience5 years
- LocationNairobi
- Job FieldFinance / Accounting / Audit 
Principle Accountabilities
Relationship Management
- Provide the interface between business and credit.
- Give quality feedback to the business teams on the quality of applications and the areas of improvement.
- Support the business teams in serving their customers in a timely manner by giving prompt feedback
- Give business reports on loans processed and declined to help in decision-making.
- Supporting branches in packaging credit proposals to ensure clarity for faster approval and adoption.
Credit Appraisals
To ensure appraisal of quality profitable loans and identified risks properly mitigated by recommending for further review to Credit Risk Proposals through:
- Confirming borrower’s credit worthiness as presented by Relationship managers
- Conduct thorough analysis of financial statements and assessment of credit requests, through preparing spreadsheets and models
- Confirming suitability of collateral offered.
- Ensuring credit risks and breaches are identified & mitigation measures proposed.
- Reviewing if proposed facility pricing in credit is in line with the set pricing policies.
- Recommending the credit proposals for further review or returning to relationship manager, highlighting critical missing information and documents.
- Review prevailing economic trends, and risk ratings, and applying the same in the appraisal process.
- Bring out policy exceptions and breaches, recommend adequate mitigants, and seek necessary approvals
To ensure approved loans are progressed whilst the risks are still well mitigated for approved loans requiring minor amendments to underwriting standards by recommending further review, through:
- Ensuring all documents & information required to justify the variations are availed.
- Ensuring the request is justified and does not materially alter the proposal as was approved
- Recommending for further review or returning to the relationship manager, highlighting critical missing information and documents.
To organize Credit Approval Committee meetings for decision making on credit proposals presented by coordinating the meetings through:
- Communicating an invite to all stakeholders involved.
- Presenting previous minutes for review
- Following up on various action points as per credit committee meeting deliberations.
- Taking minutes.
- Presenting summaries of Credit Analysis unit decisions for further deliberations.
To create synergy for the mutual benefit of the borrower and the Bank through supporting branches and other units to ensure timely delivery of service by:
- Guiding relationship managers on techniques to mitigate risks for credits that are considered bankable.
- Sharing insights on prospective credit proposals at the request of relationship teams.
- Conducting periodic follow-up on credit files pending approval at Head Office.
- Monitoring Credit Analysis turnaround time and number of files returned to relationship managers for rework/ review
To ensure parity in skills possessed by all stakeholders in the credit process through identification of credit skills gap among relationship managers, branches and recommending appropriate training by:
- Periodic reviews credit skill gaps of stakeholders in the credit process.
- Organizing and training various stakeholders to sharpen their credit skills.
To ensure compliance with regulations and loan approval covenants by conducting customer call visit in the company of the Business Team as approved by the department through:
- Reviewing status of the borrower’s compliance with matters that may lead to Environment & Social Risks.
- Reviewing independent progress of the borrower’s project financed by the Bank.
- To ensure approval covenants are documented and met by performing other reviews and engaging the business heads for full compliance
Operations & Audits
- Ensure compliance with all credit policy guidelines
- Follow through with transactions to the end
- Training teams one on one to reduce on back and forth
- Develop various templates to guide the credit process
- Handle audit queries emanating from the credit process
- Monitor turnaround time on requests
Income generation & Cost Containment
- Supporting the RMs to achieve set income targets (Interest income and Non-interest income)
- Ensure the correct charges are applied
- Ensure all excesses are fully provided
- Manage office costs within reasonable levels
- Cross sell bank products
- Push on products that deliver quick income
Key Competencies and Skills
Technical skills
- Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
- Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
- Analytical business and investment appraisal Skills: Keen to detail and able to conceptualize financial investment proposals and provide viable solutions.
- Technology Skills: Computer literate with proficiency in computerized financial analysis applications.
- Industry knowledge: Candid knowledge of the various sectors of the economy and the investment opportunities.
Personal attributes
- Goal driven and results oriented enjoys being measured, and judged by financial and other performance targets.
- Personal Ethics: Must be honest, fair and just with self and others, and demonstrates integrity in work and business contacts.
- Communication Skills: Excellent written and verbal communication skills and presentation skills.
- Interpersonal Skills: Must be a people’s person, with ability to interact with key contacts in the finance sector.
- Proactive Initiator: Must be pro-active, a self-starter and have the ability to see, grasp and advice on opportunities.
Minimum Qualifications, Knowledge and Experience
Academic Qulifications
- University Degree preferably in Business related field such as Economics, Finance & Accounting from a recognized institution by the Commission for University Education.
Professional Qualifications:
- Credit Management, Accounting or Banking Qualification (AKIB)
- CPA / ACCA qualification.
- Certification in financial modeling
- Certified Credit Executive (CCE) or equivalent
Work Experience:
- Minimum of 5 years’ experience in banking and financial analysis 2 of which must be credit department or credit related area.
- Good track record of credit analysis and understanding of financial policies, procedures, and external regulations. Has demonstrated over the span of the career credit and financial analysis skills required to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
- Demonstrated expertise and in-depth knowledge of the local banking industry, banking services, credit process and banking products.
- Evidenced knowledge and understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirement, and applicable laws
- Sound working knowledge and understanding of general commercial regulations and practices.
Method of Application
Use the link(s) below to apply on company website.
