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Job Vacancy

Thank you for your interest in a career with Direct Savings and Loans. Direct Savings and Loans is an Equal Opportunity Employer.

We have a broad range of career opportunities available.

We are constantly looking for confident, enthusiastic, passionate individuals to join our team.

Client Relationship Officer

Job Summary

To acquire, manage and sustain a portfolio of Small clients, and develop long term relationships, founded on efficient and reliable delivery of services and support for their businesses. This responsibility covers both new and existing clients and must be discharged in a professional manner to achieve a high degree of client satisfaction. The overall target of a client relationship officer is to achieve a growing and quality loan and deposit portfolios and income-generating transactions from those portfolios.

Tasks and Duties

Sales and Service
  • Implement effective demand acquisition efforts
  • Create and follow up on target list of potential clients
  • Provide professional advice and information to business clients on loans, deposits, transactions and investments (cross selling)
  • Determine clients’ needs and propose most appropriate products and services to meet such needs, ensuring that solutions are implemented on time
  • Institute measures to identify and provide solutions to customer complaints in consultation with the appropriate managers, departments or staff, to sustain general service quality
  • Keep abreast with (changes in) institutional service standards, products and procedures for effective communication to (potential) clients
  • Ensure that communication with clients (including information gathering for credit analysis) is complete and prompt
  • Assess market potential and propose generic solutions to enhance client satisfaction and business growth

Account Management
  • Develop and implement target oriented marketing strategy to create sustained deposit growth of managed customers to achieve business plan targets
  • Develop and implement a detailed account/call plan to support acquisition activities and follow ups
  • Actively contribute to maximizing product and service usage (current, savings and other banking services)
Credit Analysis
  • Gather relevant client information for conducting good credit analysis, and prepare good proposals for decision making
  • Average time for completing credit analysis should not exceed 2 working days
Portfolio Quality Management
  • Conduct regular monitoring (financial, collateral) of the business(es) of clients in accordance with credit committee decisions and company policy to identify any variations to expected trends, the related risks and make proposals for mitigating identified risks
  • Ensure full settlement of all disbursed credit exposures according to the repayment plans
  • Implement all Arrears/Risk Committee (and other Management) decisions to improve portfolio quality
  • Ensure that all post-disbursement conditions are met within the stipulated time frame
  • Proactively prepare and submit financial analysis for solving problem cases
Reporting and Presentations
Timely preparation and submission of complete:
  • monitoring reports according to scheduled timelines
  • Portfolio Management Reports
  • Performance Reports
  • Other reports as shall be defined by Management
Work Organisation
  • Put in place an efficient system for communicating with relevant head office and branch staff to ensure processing speed and client satisfaction
  • Participate in all meetings and contribute actively
  • Ensure complete, efficient and reliable filling of all institutional and client documents
  • Other reports as shall be defined by Management
Minimum Requirements

Educational Background
  • HND in Accountancy and/or BSc/BA degree in Banking, Finance, Accounting or any business related course
Related Work Experience
  • Minimum of one-year sales experience in a financial institution
  • Familiar with banking regulations and Sales roles and responsibilities
  • Fluent in English, and could express him/herself in other 2 local languages
Skills and Competencies
  • Excellent customer service skills
  • Excellent communication and interpersonal skills
  • Strong negotiation and persuasion skills
  • Proficient in Microsoft Office applications (MS Word, Excel, PowerPoint)
  • Experience in sales and relationship management
  • Good Understanding of financial statements
  • Good knowledge and skills in Microsoft applications
  • Strong analytical, technical and problem solving aptitude
  • Professional, ethical and discretion when dealing with confidential information
  • Committed, responsible and able to work under pressure and limited time frames
  • Ability to carry out the work on an independent basis as well as in working groups and teams
  • Good planning and organizing skills
Personality Traits
  • Professional appearance and professional manner
  • Be a self-starter
  • Analytical and attention to details

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Information Systems and Internal Audit Manager

Job Summary

Information Systems & Internal Audit Managers monitor a company's computer network for possible mismanagement, fraud, and inefficiency. S/He must ensure that Information system audit practices comply with company procedures and government regulations. Information System & Internal Audit Managers don't just point out system flaws; they also promote efficient practices by recommending improvements in processing capability, user interface, and security designs.

A significant portion of this job deals with evaluating IT accounting practices to trace a company's resources. As managers implement auditing policies, they make sure that their institution has adequate technology and system controls to meet business objectives and customer needs.

Tasks and Duties

  • Assists in preparing the annual IT risk assessment and internal audit plan in collaboration with the Head of Internal Audit
  • Identifies audit risk and develops specific audit scope and objectives for assigned audit work.
  • Conducts assigned audit testing (interviews, document review, flowcharting, data analysis), to identify reportable issues for an audit work
  • Prepares formal reports that effectively communicate the issues at the appropriate level of detail and the correct message for the audience
  • Works with Head of Internal Audit to develop audit department procedures and assist in implementing standards
  • Review on continuous basis, existing systems, practices and controls (including bank reconciliations, loan files, account opening and closing procedures) that had been entered in the system with the view of bringing out weaknesses and recommending innovations for improved financial operational and efficiency
  • Performs general and application control reviews for simple to complex computer information systems.
  • Performs information control reviews to include system development standards, operating procedures, system security, programming controls, communication controls, backup and disaster recovery, and system maintenance
  • Prepares audit finding memoranda and working papers to ensure that adequate documentation exists to support the completed audit and conclusions
  • Prepares and presents written and oral reports and other technical information in a pertinent, concise, and accurate manner for distribution to management
  • Follows up on audit findings to ensure that management has taken corrective action(s)
  • Assists and trains other audit staff in the use of computerized audit techniques, and in developing methods for review and analysis of computerized information systems
  • Monitor all audit trails
  • Ensure security of the systems
  • Ensure compliance with Information Systems Policies, Standards, systems and other applicable industry accepted computing practices
  • Assesses threats and vulnerabilities regarding information assets and recommends the appropriate security controls and measures
  • Analyses the effectiveness of IT control activities, validates baseline security configurations for operating systems, applications, networking and telecommunications equipment and reports on them with actionable recommendations
  • Monitors the Institutions compliance with IT security policies, standards, guidelines and procedures
  • Acts as liaison between internal audit and IT to ensure commitments are met and controls are properly implemented
  • Serves in an advisory role in application development projects to assess security requirements and ensure controls are implemented as planned and that IT security issues are addressed throughout the project life cycle
  • Perform any other duties as may be assigned from time to time
  • Performs any other duties as assigned
Minimum Requirements

Educational Background
  • BSc/BA degree in Banking and Finance, Accounting and any business related program from a recognized institution
  • Must be a Certified Information Systems Auditor (CISA)
  • Membership of CA or ACCA will be an added advantage
Related Work Experience
  • Strong professional background with not less than 5 years of experience in auditing
  • Appreciable experience in implementing control systems
Skills and Competencies
  • Must be computer literate and a demonstrated experience in using Microsoft Office Suite (mainly Excel)
  • Proven knowledge in basic accounting and bookkeeping practices and processes
  • Demonstrated ability to give meticulous attention to details
  • Must possess strong organizational and time-management skills
  • Excellent communication and interpersonal skills
  • Ability to work under pressure and prioritize to meet deadlines
  • Planning, organization and interest in process improvement
  • Excellent interpersonal skills

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