Assistant Relationship Manager, Corporate & Institutional Banking (Rift & Western Region) at SBM Bank

Job Purpose:

Reporting to Senior Relationship Manager Corporate Banking, the role involves offering support to the Business Development Team in Corporate Banking in Pwani region largely as a Corporate Analyst. The main duties of this role shall include preparation of credit proposals, credit analysis and monitoring of the assigned portfolio, liaising with clients and other departments on documentation and supporting on the growth of corporate banking business including growth of liabilities, assets and non-funded income.

Key responsibilities:

Processing

• Appraise /Process Credit Applications & make necessary recommendations with the goal of ensuring that the Bank maintains a good quality asset book and is able to minimize credit risk through timely and high-quality credit proposals.
• Support the Senior Corporate Relationship Manager to ensure an efficient turnaround time for all customer facilities and enquiries. The goal is to ensure that the Corporate Clients receive superlative service.
• Daily monitoring of accounts to ensure operations within the approved limits and that all the covenants are met.
• Taking remedial action by pursuing customers on regularization of any excess positions.
• Support revenue growth by ensuring that all income due to the bank is identified and collected.
• Liaise with other units of the Bank to effectively serve the corporate banking clients. This will include receipt of mail, offer letters and customer documents, forwarding the same to other units e.g., Credit Administration, Approvals and Monitoring, Relationship Managers etc.
• Ensuring that clients submit their financial statements, profiles, annual returns and filing receipts and any other requirements stipulated by the contracts between the bank and the client.
• Action on all corporate customer queries and resolving issues within the set turnaround time including seamless account opening for new clients.

Business Development

• Support business growth by growing a high-quality asset book, CASA deposits, non-funded income, Liabilities and cross-selling other bank products and services.
• Onboarding new relationships to the Bank and ensuring the usage of the digital channels offered by the Bank.
• Safeguard and promote the bank’s image with the general public.
• Participate actively in bank sponsored events and social responsibility initiatives

Customers of this Position

• Corporate Relationship Managers
• All Branches
• Credit Approval and Monitoring
• Credit Administration
• Operations department

Knowledge: Skills and Experience required for this Role

• Excellent analytical, problem identification and solving skills.
• Information gathering, monitoring skills.
• In-depth knowledge and experience in credit appraisal.
• Interpersonal skills with ability to work effectively in a team.
• Excellent communication skills, both oral and written.
• Good planning and Organization skills.
• Problem solving

Competencies required for this Role

• University degree, preferably in Commerce, Economics or Business Administration.
• A professional qualification in CPA/ ACCA/ AKIB or equivalent.
• A minimum of 3 -5 years’ work experience in a commercial/ banking environment