CAREERS

DEPARTMENT: BUSINESS DEPARTMENT

REPORTS TO: BRANCH MANAGER

JOB PURPOSE

Drive the growth of the consumer banking business by recruiting new customers, retaining existing relationships, and continuously reviewing client wallets to optimise the Bank’s revenue through cross-selling appropriate product bundles.

Responsibilities

1. Aggressively recruit new-to-bank consumer customers while retaining and managing existing relationships to support the branch's growth in balance sheet and profitability.
2. Scan Local Area Networks to find opportunities for consumer products and opportunities and work with the RM-Schemes to propose MOUs to offer product solutions to local area organisations.
3. handle the application process for salary loans, including collecting and verifying documents such as proof of income, employment verification, and credit history.
4. Work with the RM- Schemes recruit and sign MOUs with potential employers following the bank’s limits, policies, and procedures.
5. Participate in community events and networking activities to increase the bank's awareness and presence in the community.
6. 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.
7. Develop and manage a pipeline of potential consumer customers to avoid end-of-period panics.
8. Prepare credit applications and participate in the underwriting and branch credit committee approval process.
9. Ensure that all loans are documented completely and that any documentation or loan policy exceptions are addressed and resolved.
10. Monitor the Branch Consumer portfolio to ensure that actual performance is consistent with approved limits and loan covenants as informed by the credit approval.
11. Prepare and present for approval thorough, timely, and accurately analysed credit applications.
12. Manage the branch's consumer relationships while effectively communicating with the Branch Manager and Manager Consumer.
13. Contribute to product development and review of operational processes based on customer feedback to support the Bank in meeting its customers’ needs.
14. Spot early warning signals, like delayed salary payments, 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. Identify and develop the bank's Consumer business relationships, generate new business lines and new customers to achieve defined sales targets
17. Ensure that all client interactions and transactions comply with regulatory requirements, internal policies, and industry standards.
18. Cross-sell Bank products to existing and new customers to grow the bank's wallet share and revenue.
19. Drive the Bank’s digital agenda among the branch segment clients.
20. Comply with AML/CFT/CPF policies and procedures, non -compliance of which shall be addressed as per the bank disciplinary processes.
21. 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.

Experience
• Relevant knowledge of general banking practices and procedures.
• Experience in utilising computer technology.
• Relevant knowledge of the banking sector in Uganda
Experience in sales and product development

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.
• 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 particularly for explanatory purposes to Bank customers who do not understand the English Language.

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: 02 October, 2025

Tropical Bank Limited is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, national origin or disability status

NOTE:
Recruitment at Tropical Bank Limited is strictly merit-based. Offering, soliciting, or accepting any form of undue advantage during the recruitment process will result in automatic disqualification.

Only shortlisted candidates will be contacted.

DEPARTMENT: BRANCH

REPORTS TO: BRANCH OPERATIONS MANAGER

MAIN PURPOSE OF THE JOB

Deliver high-quality customer experience by acting as a key point of contact for customers, ensuring their needs are met efficiently while maintaining compliance with the bank’s policies and procedures.

Responsibilities

1. Lead the customer service agenda by demonstrating excellent customer experience while serving customers.
2. Prepare and process paperwork related to account opening and open accounts in the core banking system while following KYC and AML regulations, Customer Service Standards, Consumer Protection Guidelines, and bank policy and procedures.
3. Assist customers with updating personal information, processing changes to account details, and managing their banking preferences while ensuring confidentiality and data security.
4. Promote and cross-sell banking products such as account opening, Bancassurance, loans, and Islamic finance.
5. Support account-related tasks such as closing accounts, issuing cheque books, and activating or deactivating cards.
6. Ensure that accounts opened are funded and aligned with the KYC and AML regulations, Customer Service Standards, Consumer Protection Guidelines, and bank policy and procedures.
7. Maintain an up-to-date register of accounts opened, accounts closed, and all other registers as guided by the line manager and bank policies and regulations.
8. Carry out Vault Custodianship roles as and when required.
9. Process Instructions and transactions in the bank’s systems accurately and promptly while ensuring proper filling.
10. Issue customer statements, ATM cards or PIN mailers, and cheque books, and ensure reconciliation of the same.
11. Manage the queues in a branch by monitoring the banking hall and advising BM/BOM accordingly
12. Follow up cheque books and ATM cards orders not picked by customers
13. Ensure customers are well informed of the bank products by ensuring the banking hall has relevant and up-to-date information and, at the same time, is kept tidy.
14. Cross-sell bank products and services to existing and walk-in customers.
15. Ensure timely enrollment of customers on the bank’s E-channels as per the bank’s Customer Service Standards.
16. Support Cashiers when counters are busy by processing transactions in the Bank’s Core banking system and assisting in posting back-office entries.
17. Receive unpaid cheques from Clearing and contact customers immediately
18. Prepare and submit reports relating to the Customer Service Desk.
19. Issue account balances and attend to all front-office accounts inquiries
20. Analyse customer service complaints and analyse the root causes to find a permanent solution.
21. Comply with AML/CFT/CPF policies and procedures, non -compliance of which shall be addressed as per the bank disciplinary processes.
22. Any other duty as shall be assigned to you from time to time.

Person Specification (Education, training, skills and experience)
Qualifications
• Bachelor's Degree in Commerce, Business Administration, Finance, or a related field.
Experience
• 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.

Competencies & Knowledge
• Excellent communication skills.
• dynamic thinking.
• High ethical standards and integrity.
• Problem-solving abilities.
• Team player
• Proficiency in English Language and any other local language preferably Luganda particularly for explanatory purposes to Bank customers who do not understand the English Language.

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: 02 October, 2025

Tropical Bank Limited is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, national origin or disability status

NOTE:
Recruitment at Tropical Bank Limited is strictly merit-based. Offering, soliciting, or accepting any form of undue advantage during the recruitment process will result in automatic disqualification.

Only shortlisted candidates will be contacted.

REPORTS TO: SENIOR CREDIT OFFICER MONITORING & REPORTING

Main Purpose of the Job

Execute the bank's credit administration processes, including credit documentation, disbursement, maintenance, monitoring, and reporting.

Responsibilities

1. Facilitate the disbursement of loans and advances with due care in strict compliance to bank policies and procedures.
2. Ensure that loan contracts like offer letters and collateral agreements are drafted in line with approved templates.
3. Ensure that correct limits are input and all applicable fees collected in accordance to offer letter instructions.
4. Ensure post-disbursement compliance with approved terms and conditions.
5. Support the Senior credit officer monitoring and reporting in preparing reports and data entry to maintain accurate databases related to credit administration.
6. Preparation of offer letters in line with approval requirements, Credit policy and regulatory requirements.
7. Confirm the security perfection for secured facilities before disbursement or exceptional approval has been given by Executive Management.
8. Ensure the correct legal documents have been drawn up and duly executed to protect the Bank's interests.
9. Update the register of exceptions for regular follow-up and ensure complete closure within the agreed timelines.
10. Check on expiring financial statements, valuations, and insurance policies and engage branches and relationship managers to submit renewals as defined in the credit policy.
11. Review and check the overdraft facilities and report on overdrawn limits, turnovers, and average unused limits.
12. Actively participate in credit projects and initiatives as appropriate.

13. Maintain accurate and up-to-date records of loan documents and customer information.
14. Provide assistance in resolving issues or discrepancies related to credit accounts.
15. support in audits and compliance reviews as needed to verify compliance with credit policies.
16. Ensure proper custody of credit documentation/files of all customer credit facilities

Person Specification (Education, training, skills and experience)
Qualifications
• Bachelor’s Degree in Business, Finance, Accounting, Economics, or a related field

Skills & Experience
• At least 2 years’ lending or credit experience in a financial institution.
Business Behaviours
• Excellent communication and presentation skills.
• High ethical standards and integrity.
• Neutrality and independence of judgment
• 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: O2 October, 2025

Tropical Bank Limited is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, national origin or disability status

NOTE:
Recruitment at Tropical Bank Limited is strictly merit-based. Offering, soliciting, or accepting any form of undue advantage during the recruitment process will result in automatic disqualification.

Only shortlisted candidates will be contacted.

REPORTS TO: SENIOR CRB SUPERVISOR

Main Purpose of the Job

Manage the bank’s interactions with credit reference bureaus, oversee credit data quality, and ensuring compliance with credit reporting standards

Responsibilities /Key Deliverables
1. Provide Regular guidance and training to all staff involved in the sharing and using of credit data through the Credit Reference Bureau.
2. Coordinate and assist in resolving all disputes/queries from clients and the Bureaus regarding wrong data submitted to the CRB – forward responses to the Senior CRB Officer for review and onward communication to the Bureaus.
3. Receive invoices and process timely payments to the CRB service providers to avoid penalties and ensures the smooth operation of our credit data management.
4. Close all paid-off credit facilities, extraction, and weekly circulation of reports.
5. Take remedial action for all Pending Accounts on the Bureaus.
6. Analyze input and output CRB files to identify data gaps and follow up on data correction by branches.
7. Remain updated on changes in regulations and ensure the bank’s credit reporting practices align with current standards.
8. Identify aspects in processes and systems that can affect the data quality and raise these aspects with the senior CRB officer for resolution.
9. Resolve issues raised by branches and CRB related to the credit reference process.
10. Meet the bank's expected service standards.
11. Perform monthly reconciliations to make payments to service providers.
12. Create new users and track the user database on the Credit Reference Bureau.
13. Handle opening new loan accounts and any other account-related issues.
14. Ensure CRB data files and other documents are filed and locked appropriately.

Financial Responsibility
• Responsible for the individual CRB Budget and targets

Person Specification
Education & Training
• Bachelor’s Degree in Business Administration, Finance, Accounting, or a related field.

Skills & Experience
• Experience in banking is an added advantage.
Business Behaviours
• Excellent communication and presentation skills.
• High ethical standards and integrity.
• Neutrality and independence of judgment
• 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: 02 October, 2025

Tropical Bank Limited is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, national origin or disability status

NOTE:
Recruitment at Tropical Bank Limited is strictly merit-based. Offering, soliciting, or accepting any form of undue advantage during the recruitment process will result in automatic disqualification.

Only shortlisted candidates will be contacted.