Business Banking Senior Relationship Manager at NCBA Group

Job Purpose Statement

Deliver exceptional business banking growth through the provision of efficient business development, customer retention Operational efficiency

Key Accountabilities (Duties and Responsibilities)

Output Financial 45% 

• Formulate and implement sales plans/strategy aimed at identifying and attracting new loan and deposit clients to the bank and increasing the share of wallet from existing customers.
• Develop a clear aggressive sales pipeline to both existing and potential customers ensuring to file all call reports to the Head of Business Banking.
• Collaborating and coordinating the development and implementation of sales initiatives with BMs, RMs & the Sales Team to maximize on selling opportunities.
• Monitor market conditions and trends and constantly give feedback to the Head of Business Banking and Head of Product Development.
• Develop a strong customer relationship management system aimed at customer retention and maximizing on every relationship.

Internal business processes 40% 

• Ensure that Bank’s Credit Policy is adhered to at all times in granting facilities
• Ensure all KYC & AML processes are followed with regards to new business and proper documentation is in place
• Review all information, documentation and loan application package obtained from the applicant for adequacy, completeness and compliance with all Business Banking requirements.
• Contribute to the loan decision-making process by providing indepth, high-quality credit analysis and comprehensive loan
• write up for presentation to the Credit Committee for review.
• Review and manage NSF Report to ensure no loss arises from operational lapses and ensure compliance with operations risk requirements
• Monitor the loan related accounts for arrears and work with the borrowers towards 0% portfolio at risk.
• Follow up and obtaining of security documentation and other particulars stipulated in the sanction to facilitate perfection of security documentation and loan disbursement.
• Client visits and unit inspections where there is lending to monitor the utilization of the loan proceeds and explore other opportunities of increasing the wealth share.

People Management, Learning & growth 10% 

• Drive and embed a strong performance culture through an inspiring and rigorous performance management discipline for RMs & Client Service advisors in the designated region.
• Attain required learning hours and adhere to policy on annual leave

Ideal Job Specifications

Academic:

• Bachelor’s Degree in business related field.
• Master’s Degree will be an added advantage

Professional:

• Professional Qualification CPA, ACCA, Credit Management, Customer Relationship
• Management Course.
• Desired work experience:
• Above 10 years banking experience in sales, customer service and relationship management.
• Credit skills and knowledge of Business Banking products and policies