Assistant Relationship Manager, Retail at Gulf African Bank

Reports To: Branch Manager

Job Purpose

Reporting to the Branch Manager, The Assistant Relationship Manager, Retail 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

• Ensure growth of Branch Retail portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers.
• Actively generate referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• Ensure acquisition of customers to digital channels.
• Effectively manage and expand the relationships with existing Retail banking clients and bring in new business from existing portfolio so as to ensure business growth and continuity.
• Grow Retail 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 Manager.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs.
• Advise customers of maturing fixed deposits for appropriate action and with the aim of retaining the deposits.
• 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.
• Prepare and submit all reports that may be required by the management summarizing individual and team loan activity.
• Ensure all customers are on-boarded on a digital platform i.e. GABPesa, Internet Banking.
• Ensure Product Per Customer of 3 across the portfolio.
• Have clear understanding of relationships, 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.
• Obtain account opening documentation from new customers
• Follow up with customers in the portfolio for missing information
• Maintain/ Update customer data on parameters such as Business turnover/ directors details etc
• Prudently manage asset book and ensure minimum portfolio at Risk.

Qualifications

• Bachelor’s degree in a Business related field

Experience

Experience in Banking and a good knowledge of bank products

• 3 year experience in managing clients
• Excellent interpersonal skill
• Excellent communication and presentation skills

Personal attributes

• Deciding and Initiating Action
• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking
• Persuading and Influencing
• Planning and Organizing
• Presenting and Communicating Information
• Networking skills