Relationship Manager- Nairobi-2 at Habib Bank

Responsibilities

• Strategise and implement asset deployment in line with the annual business plan, including the creation of new portfolios and ensuring they remain uninfected and healthy through strict monitoring and control
• Market the Bank’s products to grow asset base and cross-sell opportunities, ensuring all portfolio additions are of high quality
• Manage the full credit lifecycle, including processing credit proposals and e-memos, conducting financial analysis in line with the Bank’s Credit Policy, handling renewals, and negotiating terms within approved parameters
• Oversee all aspects of customer portfolios, including funded and non-funded facilities, ensuring timely recovery of mark-up and instalments, and resolving customer complaints within prescribed turnaround times
• Conduct regular visits to inspect mortgaged or hypothecated assets, and ensure the Bank’s interests are protected through proper documentation and adherence to legal and approval requirements
• Ensure timely collection of all required customer documents, such as stock reports, insurance certificates, and annual financials
• Maintain liaison with Credit, CAD, and Risk departments to coordinate facility-related matters
• Ensure all operations and transactions comply with internal policies, the Operations Manual, and regulatory guidelines
• Support audits and regulatory reviews by providing necessary documents, information, and logistical support
• Prepare accurate, timely, and well-analysed credit presentations and approvals.
• Demonstrate strong problem-solving skills in handling complex, non-standardised situations

Areas of Expertise

• Banking practices and products
• Financial analysis and risk assessment abilities
• Relationship management and business development
• Commercial awareness of changing business environment, industry/market trends
• Access to a client portfolio for onboarding

Skills & Competencies

• Ability to structure complex import/export trade needs with excellent sales skills
• Strategic planning and execution skills
• Excellent communication and interpersonal skills
• Strong leadership skills, excellent planning, presentation skills, and problem-solving skills
• Robust negotiation and conflict resolution skills
• Effective oral and written business communication skills
• Positive, extrovert, professionally courteous, and exceptional selling skills

Education & Experience

• The ideal candidate must be a self-starter, a team player and have the ability to manage high-profile relationships with minimal supervision
• Minimum Bachelor’s degree in Business Administration, Finance, or related field
• 7+ years of experience managing complex commercial banking relationships/portfolio
• Proficiency in MS Office and banking software