CAREERS

REPORTS TO: MANAGER SME

Main Purpose of the Job

Drive the growth of high-profile SME business in the branch by aggressively recruiting new customers, retaining existing relationships, and continuously reviewing client wallets to optimize the Bank’s revenue through cross-selling appropriate product bundles.

Responsibilities (List all responsibilities)

1. 1. Aggressively recruit new high-profile SME customers while retaining and managing existing relationships to support the branch's growth in balance sheet and profitability.
   2. Identify Local Area Networks of high-profile SME business opportunities and ecosystems and work with the Branch Manager plus Manager SME to offer product solutions that match customer needs.
   3. Participate in community events and networking activities to increase the bank's awareness and presence in the community.
   4. Take a consultative approach to understanding clients’ objectives, effectively identify their financial needs, implement appropriate financial solutions, and undertake ongoing reviews and assessments to ensure exceptional customer relationships.
   5. Develop and manage a pipeline of high-profile SME customers to avoid end-of-period panics.
   6. Prepare credit applications and participate in the underwriting and branch credit committee approval process.
   7. Drive deposit mobilization from SME clients by ensuring that clients fund their accounts. Work with the branch manager and the Manager SME to formally contact borrowers to fund their accounts as indicated in their loan covenants.
   8. Ensure that all loans are documented completely and that any documentation or loan policy exceptions are addressed and resolved.
   9. Monitor the exposures of the Branch SME portfolio to ensure that actual performance is consistent with approved limits and loan covenants as informed by the credit approval.
   10. Prepare and present for approval thorough, timely, and accurately analyzed credit applications.
   11. Manage the branch's high-profile SME relationships with minimal supervision while effectively communicating with the Branch Manager and Manager SME.
   12. Manage branch key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all existing and prospect customers.
   13. Mentor, coach, and support the branch relationship officers to enable them to grow in knowledge and career.
   14. Spot early warning signals so as to maintain a high-quality portfolio within the agreed-upon NPL ratio.
   15. Monitor and analyse the performance of client accounts, tracking key metrics such as revenue, deposit, profitability, and client satisfaction.
   16. Pursue opportunities to expand the high-profile SME client portfolio by acquiring new clients and cross-selling additional banking products and services, including trade finance, Insurance, Forex, digital suite, and Islamic banking offerings.
   17. Ensure that all client interactions and transactions comply with regulatory requirements, internal policies, and industry standards.
   18. Drive the Bank’s digital agenda among the branch SME clients.
   19. Comply with AML/CFT/CPF policies and procedures, non -compliance of which shall be addressed as per the bank disciplinary processes.
   20. Any other duty as shall be assigned to you from time to time.

   Person Specification (Education, training, skills and experience)

   Qualifications

   • A Bachelor’s degree in finance, Commerce, Business Administration, Economics, Statistics, management, or any relevant field.
   • Proficiency in Microsoft Office Suite programs.

   Experience

   • 4 years’ experience in Banking with 2 years of Business analysis.
   • Proven business analysis experience.
   • Experience in utilising computer technology.
   • Relevant Experience in structured trade finance business.
   • Relevant knowledge in credit analysis and documentation.
   • In-depth understanding and knowledge of SME Banking Products.
   • Experience in dealing with difficult problems involving multiple facets. 4 years’ experience in Banking with 2 years of managing SME relationships
   • Proven sales experience in a client relationship role in SME banking.
   • Experience in utilising computer technology.
   • Relevant Experience in structured trade finance and ecosystem financing.
   • Relevant knowledge in credit analysis and documentation.
   • In-depth understanding and knowledge of SME Banking Products.
   • Experience in dealing with difficult problems involving multiple facets.

    

   Competencies & Knowledge

   • Sales Acumen
   • Ability to demonstrate a positive image and uphold Bank values.
   • Strong Analytical Skills
   • Stakeholder and Relationship Management skills 
   • Effective oral and written communication skills.
   • Effective negotiation and execution skills.
   • High ethical standards and integrity.
   • Client-focused and results-oriented mindset.
   • Ability to work in a fast-paced and dynamic environment.
   • excellent problem-solving and advisory skills.
   • Proficiency in English Language and any other local language, preferably Luganda.

HOW TO APPLY

If you meet the above requirements, please submit your application online by sending a cover letter, a detailed CV, and copies of relevant academic and professional certificates to the following email address: recruitment@trobank.com

 Application Deadline: 19^th May, 2025

Tropical Bank Ltd is an equal opportunity employer. We do not discriminate on the basis of religion, age, citizenship, marital or family status, disability, or gender.

Only shortlisted candidates will be contacted.

REPORTS TO: BRANCH MANAGER

Main Purpose of the Job

Mobilise and acquire new bank business within the assigned sales locations.

Responsibilities (List all responsibilities)

1. Deliver sales targets for bank products and sales fulfillment as set by the bank.

2. Participate in product campaigns to ensure product information is readily available to customers.

3. Arrange appointments to meet potential customers and offer bank products and services.

4. Get feedback from customers or prospects and share them with branch teams as appropriate.

5. Provide the Branch Manager with daily periodic reports of visits, i.e., Sales achievements, issues and challenges, customers’ feedback, and suggestions to help the team achieve its targets.

6. Negotiate/close deals and handle complaints or objections.

7. Collaborate with team members to achieve better results

8. Cross-sell bank products to bank clients using authorized techniques to meet customers’ needs and grow the customers’ wallet share.

9. Ensure the delivery of all the required documents in a timely manner to maintain accurate records in alignment with bank policies and procedures.

10. Attend regular meetings with the Manager Distribution Channels to review weekly/monthly sales activities, progress on goals, and the status of prospective customers.

11. Comply with all relevant regulations, laws, and internal policies to mitigate potential risks

12. Analyse customer service complaints and analyse the root causes to find a permanent solution.

13. Ensure that customer satisfaction levels are high & such that customer referrals are generated given good services

PERSON SPECIFICATION

Education & Training

Bachelor's Degree in a relevant field.

Skills & Experience

• Have the ability to meet stringent targets within defined deadlines.
• Basic financial understanding of the lending products
•  Highly motivated and passionate about sales
• Ability to handle multiple tasks.
•  Strong numerical and data entry skills with attention to detail.
• Familiarity with sales and cross-selling techniques.
• Proficiency in Microsoft Office

Behavioural Competencies

• Excellent communication skills.
• dynamic thinking.
• Self-driven and proactive
• High ethical standards and integrity.
• Problem-solving abilities.
• Proficiency in English Language and any other local language, preferably Luganda.

HOW TO APPLY

If you meet the above requirements, please submit your application online by sending a cover letter, a detailed CV, and copies of relevant academic and professional certificates to the following email address: recruitment@trobank.com

 Application Deadline: 14^th May, 2025

Tropical Bank Ltd is an equal opportunity employer. We do not discriminate on the basis of religion, age, citizenship, marital or family status, disability, or gender.

Only shortlisted candidates will be contacted.

 DEPARTMENT: INTERNAL AUDIT

REPORTS TO: Shariah Advisory Board and Head Internal Audit (Dotted line-reporting)

Main Purpose of the Job

To conduct comprehensive Shari’ah audits and reviews of the Bank's products, operations, internal controls, and procedures to ensure alignment with Shari’ah principles, regulatory requirements, and organizational objectives.

The role focuses on safeguarding the Bank’s compliance with Islamic finance principles, identifying and mitigating operational risks, and enhancing the efficiency, effectiveness, and reliability of internal Shari’ah governance frameworks.

The Islamic Banking Internal Auditor is responsible for assessing the effectiveness of internal Shari’ah controls and identifying potential risks, including breaches in Shari’ah compliance or operational inefficiencies, to protect the Bank from reputational and financial losses. This includes ensuring adherence to applicable legal, regulatory, and Shari’ah governance standards.

 Responsibilities

• External Audit Support:

• Provide required assistance to external auditors on relevant Shari’ah audit issues to ensure alignment with Shari’ah principles.
• Collaborate with external auditors in expressing opinions on financial and operational compliance with Shari’ah standards.

• Control and Risk Assessment:

• Assess and contribute to the improvement of a sound and effective internal control system for Shari’ah Compliance.
• Identify potential risks associated with Shari’ah non-compliance and recommend measures to mitigate them.
• Work with the Risk Departments in identification and mitigation of the Sharia’h risks

• Collaboration with the Shari’ah Advisory Board:

• Act as a liaison between the internal audit function and the Shari’ah Advisory Board.
• Ensure alignment between the Bank’s operational activities and the fatwas and guidelines issued by the SAB.

• Continuous Improvement:
• Monitor the implementation of Shari’ah Audit recommendations and report progress to the SSB and senior management.
• Identify areas for process improvement and recommend changes to enhance Shari’ah compliance and operational efficiency.

Audit Planning and Documentation:

• Participate in establishing a risk-based Shari’ah Audit Plan.
• Develop and document appropriate Shari’ah audit checklists, programs, and tests to review the adequacy and effectiveness of internal Shari’ah controls within the Bank's functions.
• Prepare the Annual Internal Shari’ah Audit Plan to guide the Bank’s Shari’ah compliance review process.

• Audit Execution:

• Conduct detailed operational and compliance audits in accordance with the approved Shari’ah Audit Plan and program.
• Perform internal Shari’ah audits quarterly and present findings to the Shari’ah Advisory Board (SAB).
• Carry out identified continuous monitoring reviews to uncover opportunities for improvement in Shari’ah compliance.
• Conduct Shari’ah Audit follow-ups according to the approved Shari’ah Audit Plan to ensure implementation of recommended actions.

• Reporting:

• Prepare preliminary and final written Shari’ah Audit Reports for each audit engagement.
• Present Shari’ah Audit reports to the SSB for final resolution and decision-making.
• Express opinions on financial statements to ensure their compliance with fatwas, rulings, and guidelines issued by the SSB, as well as standards set by AAOIFI, national regulations, and other relevant practices.

• Policy and Manual Development:

• Develop the Internal Shari’ah Audit Policy and Procedure Manual to ensure a standardized approach to Shari’ah audits.
• Establish the scope of Shari’ah Audit work, organize and manage audits to achieve planned objectives and activities.
• Advisory Role:

• Advise the Bank’s Management on various Shari’ah issues based on Internal Shari’ah Audit findings.
• Provide guidance and consultation on Shari’ah compliance to the internal audit team.
• Assist in resolving Shari’ah-related issues identified during audits and offer recommendations for improvement.
• Training and Awareness:

• Conduct training sessions to raise awareness about the critical role of Shari’ah auditing and the relevance of compliance to established procedures.

Strengthen internal Shari’ah controls by fostering a culture of compliance across the Comply with AML/CFT/CPF policies and procedures, non -compliance of which shall be addressed as per the bank disciplinary processes.

Any other duty as shall be assigned to you from time to time.

Person Specification (Education, training, skills and experience)

Knowledge: Skills and Experience required for this role.

• At Least University degree in Islamic Banking and Finance, or Shari’ah from an accredited University.
• At least 5 years of banking experience (Preferably Islamic Bank and Finance).
• Qualification in ACCA/CPA is preferrable.
• Qualifications such as CSAA, CIPA and CIFE are Mandatories
• Proficiency in Microsoft Office suite.
• Fluent In English, Arabic is preferable.

Competencies required for this role.

Innovative and Proactive:

• Creative thinker with the ability to propose and implement effective Shari’ah-compliant solutions.

Passion for Shari’ah and Auditing:

• Outgoing and enthusiastic about Islamic finance principles and the auditing profession.

Analytical and Self-Driven:

• Dynamic, detail-oriented individual with strong analytical skills and the ability to work under pressure with minimal supervision.

Strong Communication Skills:

• Exceptional oral and written communication skills, with a particular emphasis on report writing and presentation.

Interpersonal Skills:

• Excellent ability to build and maintain professional relationships while fostering collaboration across teams.

Confidentiality and Accuracy:

• Proven ability to handle sensitive information with the highest level of confidentiality and accuracy.

Knowledge of Islamic Finance Principles:

• Extensive understanding of Islamic rules of transactions (Fiqh al Mu’amalat) and Shari’ah principles.

Regulatory Awareness:

• Sound understanding of Bank of Uganda (BOU) regulations and Shari’ah compliance requirements.

Technical Knowledge:

• Proficiency in the Accounting, Auditing, and Governance Standards of AAOIFI.

Leadership and Management Skills:

• Strong ability to lead and manage audit processes effectively while mentoring team members.

Computer Literacy:

• Proficient in using audit-related software and tools to enhance audit execution and reporting.

Problem Solving:

• Ability to analyze processes/procedures and identify areas of improvement.

How to Apply:

If you meet the above requirements, please submit your application online by sending a cover letter, a detailed CV, and copies of relevant academic and professional certificates to the following email address: recruitment@trobank.com

 Application Deadline: 07th May, 2025

Tropical Bank Ltd is an equal opportunity employer. We do not discriminate on the basis of religion, age, citizenship, marital or family status, disability, or gender.

Only shortlisted candidates will be contacted.