Summary
Date Posted: Tuesday, January 31, 2023 , Base Salary: Not Disclosed

JOB DETAILS:

Overall Job Purpose
The Senior Relationship Manager, Commercial Banking will be responsible for achieving business growth in the Commercial Banking 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.

Principle Accountabilities
Acquisition: Business Development
• To ensure growth of Commercial Banking portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers 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 i.e. Internet Banking, WHIZZ and other platforms.
• To effectively manage and expand the relationships with existing Commercial banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity.

Portfolio profitability (Cross-sell & Retention)
• Grow Commercial Banking 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
• Assist in Resolving client queries in a timely and appropriate manner
• Assist in collaborating with product specialists, to deliver effective customer solutions.
• Ensure Fulfillment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
• 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. WHIZZ, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• To understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times

Customer and Market
• Maintaining/ updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customer engagements are recorded accordingly

Compliance
• To ensure compliance with both internal and external regulatory requirements.
• To continuously follow business operational and credit policies ensuring their compliance.

Other
• To safeguard and promote the bank’s image with the general public.
• To assist in other issues, aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy.
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business.

Minimum Qualifications, Knowledge and Experience
• Bachelor’s degree in any field
• 5-year experience in managing commercial clients
• Excellent interpersonal skills
• Excellent communication and presentation skills

Key Competencies and Skills
• Deciding and Initiating Action
• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking
• Negotiation Skills
• Planning and Organizing
• Presenting and Communicating Information
• Relating and networking
• Team Work

Work Hours: 8

Experience in Months: 60

Level of Education: Bachelor Degree

Job application procedure

Interested and qualified? Go to HF Group on www.hfgroup.co.ke to apply

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