MICHAEL NDARU NJERU

• Programme Management and Implementation: Provides technical advice to teams on the development and implementation of the Project.
• Aides in monitoring, evaluation and impact assessment; guiding field staff in data collection and analysis.
• Coordinating with another programme unit to produce appropriate ME&L documentation.
• Work in close collaboration with Program Manager in order to support appropriate development of new programming and supporting further development of current programming.
• Engages in direct programme implementation as needed; participate in integrated rapid needs assessments and emergency response.
• Representation and Advocacy: Represents Don Bosco in coordination and advocacy fora, with agencies, government officials, local government and partners as it relates to the project.
• Provides insight and support to the Program Manager to identify new funding sources.
• Financial Management: Coordinates with the finance department to monitor expenditure, ensure appropriate decisions that balance programming needs and the status of the grant.
• Provides approvals for all expenses related to the project and ensure with finance that all expenses are booked accordingly.
• Prepares budget forecasts in collaboration with Head of Field Offices and supervise field cash management.
• Supervises and ensures that teams comply with their internal and external reporting requirements and that complete documentation is received in Main Office.
• Develops and implements monitoring and evaluation strategy of the project closely with the Programme Manager.
• Implements procedures for internal monitoring and reporting of activities in accordance with project objectives and indicators.
• Operational Management: Serves as interlocutor between field teams and programme support departments (HR, Finance and Operations), ensuring that the needs of field teams are met and that field teams are fully aware of what is happening operationally.
• Ensures sufficient level of staffing, identifying the need for new recruitment in a timely fashion.

• Client Consultation and Needs Assessment: Meeting with clients to determine their financial objectives, income, expenses, debt, and risk tolerance.
• Financial Planning and Strategy: Creating comprehensive, customized plans that cover retirement, estate, tax, and education planning.
• Investment Management: Researching, selecting, and managing investment portfolios (stocks, bonds, mutual funds) for clients, including buying and selling, often on a discretionary basis.
• Ongoing Monitoring and Reviews: Regularly reviewing client accounts and portfolios to adapt to life changes (e.g., marriage, retirement) or market fluctuations.
• Risk Management and Insurance: Identifying potential financial risks and recommending insurance products (life, disability, long-term care) to protect client assets.
• Education and Guidance: Explaining complex financial concepts and products to clients to help them make informed decisions.
• Compliance and Record Keeping: Maintaining accurate, confidential records and ensuring all advice complies with industry regulations (e.g., SEC, FINRA).

• Business Growth & Sales: Drive growth in liabilities, assets, and Non-Funded Income (NFI) by actively marketing and selling bank products.
• Relationship Management: Manage and expand relationships with existing clients while actively acquiring new customers to ensure business growth and continuity.
• Credit Management: Evaluate credit proposals and oversee the loan application process to ensure timely submission, while managing the Portfolio at Risk (PAR) to maintain a quality loan book.
• Product Promotion: Actively cross-sell and upsell products, including Treasury and credit facilities, to enhance value for clients.
• Customer Service & Compliance: Ensure adherence to internal and external regulatory requirements (KYC/AML) and provide excellent customer service to enhance retention.
• Market Analysis: Recommend product developments relevant to the target sector.

•People management.

•Managing the branch loan portfolio in accordance with policies and procedures.

•Ensuring the branch consistently delivers high quality service to all customers.

•Ensuring compliance; minimize exposure to and the impact of operational risks, improve efficiency, resource utilization and costs.

•Ensuring proper loan assessment, appraisal, documentation and approval.

•Coordinating third party service providers (Legal, valuers, tracking companies, CRB, debt collectors, auctioneers etc) to achieve stipulated TAT

•Relationship management.

•Controlling the utilization, proper maintenance and custodian of all assets at the branch.

•Analyzing portfolio performance on a daily basis and coordinating collation and recovery activities.

•Proposing the development of new service/products and the improvement in the existing ones in the relation to the market analysis results.

•Ensuring all reporting tools are available at the branch level to correctly monitor all branch activities.

•Ensuring implementations of the branch marketing plan.

•Ensure appropriate and efficient support from Back Office Team at Head Office to the branch.

• To market Microfinance products by clearly explaining to individuals the types of loans and credit options available as well as the terms of loans.

• To analyse and assess the applicant’s credibility to determine feasibility of granting loans.

• To carry out proper verification of both the individual’s business premises as well as residence prior to recommendation for a loan.

• To evaluate loan applications and documents to confirm authenticity.

• To approve loans and present to the respective Branch Manager for final Approval.

• To ensure that the disbursed loans are recovered back within the stipulated period.

• To review and update accurate information required concerning the loans.

• To obtain and record accurate information about the clients.

• Update in time all the necessary record books.