Relationship Manager Job Gulf African Bank

  • Kenya
  • Permanent
  • Full-time
  • 16 hours ago
To achieve business growth in the SME segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.Key Responsibilities:Acquisition: Business Development
  • To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
  • Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
  • To ensure acquisition of customers to digital channels
  • To effectively manage and expand the relationships with existing SME banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity
Portfolio profitability (Cross-sell & Retention)
  • Grow SME customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships
  • Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
  • Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
  • Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention
  • Assist in Resolving client queries in a timely and appropriate manner
  • Assist in collaborating with product specialists, to deliver effective customer solutions.
  • Ensure Fulfilment of minimum customer relationship touch points - e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
  • Assist in growth of given portfolio through the use of desired channels such as the SME Business Hubs/ digital platforms i.e. B2 B
  • Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
  • Ensure all customers are on-boarded on a digital platform i.e. Gab Pesa, Internet banking
  • Ensure Product Per Customer of 5 across the portfolio
  • Understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
  • Evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank's set turnaround times.
Customer Service and customer information
  • Obtaining account opening documentation from new customers
  • Opening of accounts for customers in the system and ensuring minimum required information is captured and customer given a CIF number.
  • Following up with customers in the portfolio for missing information
  • Maintaining/ Updating customer data on parameters such as Business turnover/ directors details etc.
  • Ensure all customer engagements are recorded accordingly
Compliance:
  • Ensure compliance with both internal and external regulatory requirements (KYC, AML and other bank processes.
  • Continuously follow business operational and credit policies ensuring their compliance.
Qualifications and Experience:
  • Bachelor's degree in any field
  • At lease 2-3 years experience in managing clients
  • Excellent interpersonal skill
  • Excellent communication and presentation skills
Job specific competencies:
  • Deciding and Initiating Action
  • Delivering Results and Meeting Customer Expectations
  • Entrepreneurial and Commercial Thinking
  • Persuading and Influencing
  • Planning and Organizing
  • Presenting and Communicating Information
  • Relating and networking
  • Working with people
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