Branch Accounts Officer - Siaya

Key Responsibilities

Core Banking System (CBS) Transaction Processing

• Accurately process and post loan disbursements, repayments, reversals, and other approved financial transactions in the Core Banking System (CBS).
• Verify completeness and authenticity of supporting documentation before processing any transaction.
• Ensure all transactions are properly authorised and comply with established maker-checker controls.
• Update client accounts promptly and ensure system balances reflect actual transactions processed.
• Maintain proper filing and documentation of all transaction records for future reference and audit purposes.

Branch Credit Committee & Loan Control Support

• Participate in Branch Credit Committee (BCC) meetings as required to provide financial verification and transaction readiness updates.
• Confirm availability of funds and system readiness prior to loan disbursement approvals.
• Verify that loan documentation is complete and compliant before processing approved disbursements.
• Ensure approved loan terms are accurately captured in the Core Banking System before release of funds.
• Maintain proper records of committee-approved disbursements for audit and tracking purposes.

Digital Payment & Settlement Monitoring

• Monitor digital loan disbursements and repayments conducted through approved payment channels such as M-Pesa and bank transfers.
• Reconcile digital transaction reports from mobile money platforms and banks against CBS postings on a daily basis.
• Identify, investigate, and escalate any transaction mismatches, delays, or settlement discrepancies.
• Support the branch in maintaining accurate tracking of digital transaction flows to ensure smooth cashless operations.

Daily Reconciliation & Financial Reporting

• Perform daily reconciliation of all branch transactions, including digital payments and physical cash transactions where applicable.
• Balance system-generated transaction reports with payment platform reports, collection summaries, and supporting documents.
• Complete end-of-day system closure procedures in accordance with established branch timelines.
• Prepare daily transaction summaries and submit required financial reports to the Branch Manager and Finance Department within stipulated deadlines.
• Assist in periodic financial reporting and month-end reconciliation processes.

Cash Management

• Receive, verify, and disburse physical cash in line with approved operational procedures where hybrid transactions are required.
• Maintain custody of branch cash and ensure compliance with approved cash holding limits.
• Conduct daily opening and closing cash counts and reconcile physical cash with CBS balances.
• Maintain cash transaction registers and ensure secure storage of cash and financial instruments.
• Immediately report and escalate any cash shortages, overages, or irregularities.

Expense & Payment Processing

• Process approved branch operational expenses in the CBS in line with BKCL policies and delegated authority limits.
• Verify supporting documentation prior to payment processing to ensure completeness and compliance.
• Maintain organised records of branch payments, vouchers, and supporting documents.
• Ensure timely settlement of approved financial obligations.

Compliance & Internal Controls

• Ensure adherence to BKCL financial policies, procedures, and internal control standards.
• Maintain accurate, complete, and audit-ready financial documentation at all times.
• Support internal and external audit reviews by providing requested records and clarifications.
• Identify and report suspicious transactions or potential fraud risks to the Branch Manager and Finance Department.
• Promote ethical conduct and safeguarding standards in all financial operations.

Customer Service & Client Account Support

• Provide professional and courteous service to clients during loan disbursement and repayment transactions.
• Respond to client queries related to account balances, repayments, digital transactions, and payment confirmations.
• Issue official receipts and ensure clients receive accurate transaction confirmation.
• Support resolution of transaction disputes or posting errors in coordination with Credit Officers and the Branch Manager.
• Maintain confidentiality and integrity of client financial information at all times.

Branch HR & Administrative Support

• Act as the branch focal point for HR administrative matters in coordination with the Head Office HR team.
• Maintain updated leave records and attendance registers for branch staff.
• Consolidate and submit monthly payroll inputs (e.g., attendance, leave updates, allowances, deductions) to Head Office within stipulated timelines.
• Support onboarding documentation and maintain staff personnel files at branch level.
• Coordinate submission of staff expense claims and ensure proper documentation.
• Maintain confidentiality of staff records and sensitive information.
• Support communication of HR policies and administrative updates to branch staff.

Safeguarding Responsibilities

• Read, understand, and comply with BKCL’s safeguarding policy and procedures at all times.
• Promote awareness of safeguarding standards within the branch and ensure safeguarding principles are applied in day-to-day activities.
• Conduct all financial and client interactions in a manner that upholds dignity, respect, and protection of vulnerable individuals.
• Immediately report any safeguarding concerns or reportable incidents in accordance with the established safeguarding reporting procedures.
• Encourage colleagues to adhere to safeguarding standards and reporting requirements.

Educational & Experience Requirements

• Bachelors Degree / Diploma in Accounting, Finance, Banking, Business Administration, Commerce, Economics, or a related field.
• CPA (Part I or Part II) or equivalent professional qualification is an added advantage.
• Membership or registration with a recognised professional accounting body is an added advantage.

Required Competencies

• Basic knowledge of accounting principles and financial record-keeping.
• Understanding of transaction processing and reconciliation procedures.
• Familiarity with CBS and digital payment platforms (e.g., mobile money and bank transfers).
• Ability to perform daily reconciliations accurately and identify discrepancies.
• Proficiency in Microsoft Office applications, particularly Excel and Word.
• Strong attention to detail and high level of accuracy in financial transactions.
• Good organisational and documentation management skills.
• Ability to handle confidential financial and employee information with integrity.
• Good communication and customer service skills.
• Ability to work under pressure and meet strict reporting deadlines.
• Basic understanding of internal controls and fraud prevention principles.
• Proficiency in the local language(s) of the respective county will be an added advantage.