PHILIP MUTUA

Key Accountabilities

▪ Receiving account opening documents from the Sales Teams and vetting to ensure compliance with Know Your Customer [KYC] requirements

▪ Validating cheques received through Inward Clearing i.e. to confirm their authenticity and ensuring compliance with AML guidelines

▪ To conduct daily edit checks of postings to ensure accuracy, authenticity, completeness of processed work and integrity of data.

▪ Ensuring source documents are provided for each transaction manually posted on the system at CPC and investigating instances of missing items.

▪ Maintaining a record of all errors and sharing with the management on a monthly basis for trend analysis Team Leader Governance Officer Governance

▪ Following up on resolution of errors to conclusion.

▪ Performing quality assessments checks within CPC to ensure compliance with laid down policies and procedures

▪ Promoting business for the Bank by maintaining good operational standards.

▪ Ensuring resolution of all audit queries and that there are no repeat audit issues.

▪ Ensuring provision of quality professional service at all times and ensuring that a professional image of the Bank is maintained both internally and externally.

▪ Adherence to Bank's operating policies and procedures.

▪ Performing other duties as may be assigned.

• Constantly monitoring and identifying high-risk and unauthorized transactions as well as fraudulent accounts.
• Identifying fraudulent transactions and instituting prompt mitigating actions.
• Reviewing daily reports & escalating suspicious transactions to the relevant stakeholders.
• Recommending and acting appropriate on accounts identified as having potential fraudulent issues.
• Contacting customers and banks to verify transactions and resolving fraud-related account issues; initiating investigations and dispute process where fraud is confirmed.
• Facilitate understanding of fraud prevention and detection across the banks’ network.
• Tracking statuses of resolved items to provide a record of activities and support identification of trends or persistent issues.

• Monitoring, and managing accounts portfolio within all customer segments and return the accounts to performing status, reducing slippage into NPL and/or recovering entire outstanding accounts as well as fulfilling any other duty assigned by the Manager towards contributing and improving the bank’s credit profile and asset quality.
• Managing customer relationships where turn around strategies have been activated to ensure cure of accounts as well as managing the Banks credit risk exposure.
• Dealing with and managing any contentious issues/complaints/queries/conflicts that normally arise during negotiation with the debtors during the recovery process.
• Conducting detailed negotiations with customers, obtaining commitment to implement appropriate strategies and actions to cure accounts as well as collect overdue payments.
• Ensuring compliance with Bank’s policies, regulatory requirements and best practice in the monitoring and control process with a view to minimizing Credit Risk.
• Preparing daily, weekly and monthly reports on credit control reports.
• Negotiating payoff deadlines or payment plans.
• Developing credit management capability within the department.
• Co-coordinating regular customer visits to check on compliance, remedial management and offer appropriate intervention.
• Creating trust relationships with debtors, when possible, to avoid any future challenges.
• Reviewing arrears, monitoring progress of existing loans, assess customer’s financial status on repayments and ensuring collections targets are achieved.
• Processing the recovery of debts whilst ensuring compliance with local legal, regulatory requirements and the bank’s internal procedures.
• Maintaining proper Debt Recovery documentation, ensure timely issues of relevant notices to customers that form the debt recovery process, ensure that all 90+ days past due files are properly maintained and have up to date files notes and ensure data integrity all 90+ days past due are maintained.
• Negotiating with clients and coming up with suitable exit or rehabilitation strategies for non-performing accounts within assigned portfolio.
• Ensuring the clients requests are handled within the set parameters such as restructures, waivers, full and finals requests.

• Check figures, postings, and documents for correct entry, mathematical accuracy, and proper codes.
• Classify, record, and summarize numerical and financial data to compile and keep financial records, using journals and ledgers or computers.
• Debit, credit, and total accounts on computer spreadsheets and databases, using specialized accounting software.
• Receive, record, and bank cash, checks, and vouchers.
• Reconcile or note and report discrepancies found in records.
• Conducting assessments; pre-funding/post funding assessments and business monitoring.
• Preparing, Collating and filing all documents on loan collection, default management, business monitoring and evaluation activities.
• Performing general office duties such as filing, answering telephones, and handling routine correspondence.
• Calculate and prepare checks for utilities, taxes, and other payments.
• Attending to loan collection meetings and group monthly meetings.
• Report writing and filing.

• Supervising daily operations.
• Identifying repair needs.
• Commissioning repair work.
• Coordinating maintenance workers
• Rent collection and Banking