About Shabelle Bank

Shabelle Bank is a fully licensed Commercial Bank in Ethiopia to conduct all its operations under the principles of Islamic banking. Shabelle Bank started its journey as a microfinance institution in 2011. It subsequently secured the banking license to serve its client better, by offering ethical financial products. With the mission of Enabling Growth and Enriching Lives, the Bank reaches out to its customers through a growing network of branches in Ethiopia.

Customers can also benefit from an array of customer conveniences such as Internet & mobile banking, debit card with SMS alerts, online account opening, 365-day banking, Saturday banking, extended banking hours, 24×7 cash deposit machines, and banking units exclusively for ladies.

Purpose of the Job:

Responsible for the  sustainable growth and profitability of Shabelle bank by mobilizing resources, marketing the Shabelle bank’s product through acquiring and retaining customers and effective management of branch staff, lending, operations, and profitability of the branch. Develops new business and expands existing customer relationships. Makes and services a portfolio to minimize loss to the Shabelle bank. Responsible for all profit and loss activities of the branch, manages the branch staff and ensures compliance with bank policies and procedures

Main Duties:

• Design local area marketing strategies and promote products of the Bank by making sales and customer service calls on present and prospective customers within the Branch’s market area and conducting regularly scheduled sales and customer service meetings.
• Develop and implement resource mobilization plan and programs to maximize branch’s resources.
• Sign tickets and authorize daily transactions in accordance with established procedures and delegated authority.
• Monitor the branches compliance with operating policies and procedures and outside regulatory requirements, and make recommendations for change or improvements as appropriate
• Compile required documents for loan and foreign currency request and send to the appropriate organ in the Central Processing Center.
• Communicate with Head Office department and other branches to ensure coordination and consistency, and assist in answering questions and resolving issues.

• Check whether branch’s books of accounts are in balanced, review income and expense summary accounts of the branch and apply strict follow up on controllable expenses
• Develops retail and commercial business through expansion, retention, and development strategies and make sure that branch compliance with audit and regulatory procedures
• Represents the bank in civic and community activities to promote the image of the Shabelle  bank in the branch market area
• Check and approve responses to questions from external bodies with in the branch are of his or her operation
• Check and submit various periodic and ad hoc reports
• Exercises authority concerning staffing, training, performance appraisals, promotions, career development, salary actions and terminations of subordinate personnel
• Maintains a high level of employee morale to minimize turnover and maximize customer service satisfaction
• Develops a quality loan portfolio to obtain the bank’s loan growth objectives. Accepts, counsels, analyzes, collects and reviews required documents to initiate the loan process. Monitors loan portfolio to correct loan document exceptions and services the loan portfolio to reduce past dues and charge offs
• Responsible for ensuring deposit growth to obtain the bank’s deposit growth objectives by promoting the bank’s products and services. Monitors and makes decisions on assigned SB accounts related to overdrafts, service charges, return items, charge backs, etc.
• Communicates and implements new ideas and marketing strategies within branch market area to improve sales, cross-sells, marketing, and staff development.
• Implements corporate culture through reinforcement of quality service and team work and maintain a high level of employee morale within the branch.

General Responsibilities

• To adhere to the Shabelle Bank policy in all activities, and to actively promote equality of opportunity wherever possible.
• To adhere to confidentiality clause and uphold the Shabelle code of conduct
• To undertake such other duties as may be reasonably expected.
• To provide a healthy and comfortable working environment, smoking is prohibited.

Qualifications and experience:

• Master’s degree in accounting, Finance, Economics, Business Administration or related field with 5 years of  experience of which 3 years should be managerial or supervisory role – OR  Bachelor’s degree in Accounting, Finance, Economics, Business Administration or related field with 7yeras experience of which 3 years should be in a managerial or supervisory roll
• Full professional qualifications is desirable
• Specialist experience in banking sector will an advantageous
• Must be confident, self-starter, an independent thinker and have strong organizational, interpersonal and communication skills; team oriented.

Competences:

• Customer focus.
• Aligning performances
• Gaining commitments
• Coaching & Decision making
• Building trust
• Ability to engage, coach, motivate and lead a team, while holding employees accountable for results
• Ability to influence team members and others outside of direct responsibility, including employees in other divisions
• Excellent internal and external client service skills
• Knowledge of industry best practices to improve efficiency and effectiveness
• Excellent verbal and written communication skills
• Willingness and ability to work effectively with a wide variety of people