Relationship Manager – Business Banking at DIB Bank Kenya Limited (DIBBKE)

Key Responsibilities

• Deliver the revenue and balance sheet targets assigned by identifying and maintaining  target customers/ customer segments within each catchment area.
• Manage the profitability of product portfolios and customers as well as  improve the profitability through increased fee income generation.
• Ensure the overall credit quality of the asset book within acceptable limits.
• Review the overall portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
• Obtain audited financial statements, analyze and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.
• Maintain complete control aspects i.e., documentation, periodical customer visits / call reports, expires on monthly manner in order to monitor the assigned portfolio effectively and to ensure all statutory and controls for the business processes
• Manage assigned relationships to ensure satisfactory account conduct and early ratification of various credit related issues.
• Undergo an annual review process on the assigned portfolio to maintain strict credit discipline. 
• Identify the segment target market to broad – base the portfolio and pursue growth opportunities towards on boarding of the new clients.
• Ensure high performance culture and delivery of professional and quality customer service.
• Monitor customer complaints, approaching complainant personally where required to ensure prompt resolution.
• Ensure follow ups on exception report with regard to returned Cheques and call for explanation from customer where necessary.
• Ensure follow ups on deficiency reports.
• Ensure timely & accurate submission of regular & adhoc management reports.
• Ensuring all portfolio monitoring/management processes & measures are undertaken regularly and on an on-going basis and all credit files are properly maintained with a view to achieving good audit rating
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Education:

• Bachelor’s Degree in Business Management/ Finance/ Accounting/ Economics/ Marketing or equivalent.

• Certification or Degree or Diploma in the relevant area

Training/Skills

• Credit knowledge and marketing skills.
• Functional Policies and Procedures.
• Relevant Product Knowledge.
• Knowledge of banking practice and theory and bank’s credit policy and operating systems.
• Compliance and Regulatory requirements knowledge for each of the products.

Work Experience :

• Minimum 5 years’ experience in banking, with at least 2 years in managing medium-large commercial portfolio at senior levels in well-established and recognized financial institutions.

Competencies:

• Analytical thinking.
• Problem solving skills.
• Communication skills.
• Customer Focus.
• Selling Skills.
• Foundations & principles of Islamic finance.