Relationship Manager - Business Banking (Kisumu) at HF Group

Principle Accountabilities

Acquisition: Business Development

• To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• To ensure acquisition of customers to digital channels i.e Internet Banking, WHIZZ and other platforms.
• To effectively manage and expand the relationships with existing SME banking clients and bring in new partnerships from existing portfolio so as to ensure business growth and continuity.

Portfolio profitability (Cross-sell & Retention)

• Grow SME 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 Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• 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
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. WHIZZ, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• To understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.

Customer and Market:

• Maintaining/ Updating customer data on parameters such as Business turnover/ directors details etc
• Ensure all customer engagements are recorded accordingly

Compliance:

• To ensure compliance with both internal and external regulatory requirements.
• To continuously follow business operational and credit policies ensuring their compliance.

Other

• To safeguard and promote the bank’s image with the general public.
• To assist in other issues, aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy.
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business.

Key Competencies and Skills

Competencies required for this Role

• Deciding and Initiating Action
• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking
• Negotiation Skills
• Planning and Organizing
• Presenting and Communicating Information
• Relating and networking
• Working with people

Minimum Qualifications, Knowledge and Experience

Education, knowledge, skills and experience required for this Role

• Bachelor’s degree in any field
• 5-year experience in managing clients
• Excellent interpersonal skill
• Excellent communication and presentation skills