Assistant Relationship Manager - SME, Coast Region at Absa Bank Limited

Key accountabilities/Deliverables/Outcomes.

Sales and Service: - 45%

• Conduct annual review of customers’ borrowing facilities (and interim review if customer circumstances [risk profile] dictate).
• Consult customer owners/managers on financial/credit issues and general business practice/ideas.
• Determine the key messages, e.g. agreed service standards, negotiated pricing, team relationship contact points (including introductions to new personnel) and new product changes. Calculating the most appropriate means of communicating with customers.
• Deal with, and find resolutions for, customer complaints.
• Determine the products that are most effective in meeting customers’ needs and be able to sell them at short notice, both reactively and proactively.
• Monitor and ensure adherence to risk service standards.

Controls -15%

• Maintain knowledge of all bank products, credit standards, services and trends and provide efficient customer services.
• Coordinate with senior officers in business plan development, prepare credit packages and perform credit analysis and provide update for call lists.
• Ensure Audit issues are closed within the quarter of identification, or within the agreed time frames, whichever is shorter.
  • Nil operational losses
  • 100% active customer digitization
  • 100% adherence to SME impairment within budget

Business Management: - 30%

• Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in accordance with RM guidelines and Bank policy.
• Manage “Early Warning List” customers to reduce risk, following H.O. and Regional guidance provided.
• Adhere to procedures and guidelines within the BB RMCD.

Staff Management: - 10%

• Day-to-day support to Enterprise Bankers and branch staff in provision of consistent service quality and risk. 
• Manage own leave plan.
• Offer support as per business request.

Risk & Control Objective

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Bank Kenya Plc Policies and Policy Standards. Understand and manage risks and risk events (incidents) relevant to the role.

Role/person specification

Qualification

• Business degree

Preferred Experience

• 3 years’ experience in Business Banking related field