Relationship Officer at Bank of Africa Kenya Limited

Job Purpose

Manage designated Portfolio Relationship of Enterprise Banking Customers for continuing and long-term profitability to the bank under guidance of the Relationship Manager.

Responsibilities and Accountabilities-starting with strategic, managerial then operational

Financial: 50%

• Credit Application file set up and follow up.
• Collect and analyse customers or prospect financial statements and other documents.
• Analysis and preparation of credit facility application files, and adherence to pricing conditions negotiated, within set SLAs after receipt of all the documents from the customers.
• Sets up dashboards on commercial performance and risk on customers, and timely reporting of downgraded situations to the Relationship Manager.
• Provides performance dashboards to the Relationship manager including business opportunities that contribute to the overall growth of the portfolio.
• Identify opportunities to cross sell the Bank’s various products.

Customer Focus: 30%

• Shadowing the Relationship Manager in managing the portfolio.
• Analysis of the real needs of customer and checks consistency of requested and proposed facilities.
• Ensures retention of clients while enriching and updating prospect databases.
• Identify opportunities to meet customer needs and for cross sell.
• Follow up on customer complaint/s and ensures delivery within Service Level Agreements and procedures.
• Scheduled focused calls to corporate customers to ccontribute to continuous improvement of customer relationships.

Operational: 20%

• Counterparty Risk Contribution: Updates time schedules of customer files: KYC information, call reports, maturities, completion of security documentation, insurances, rates and loan instalment arrears.
• End to end credit approval process.
• Monitoring of Covenants- Ensure that all the post drawdown covenants are met by customers.

Key Performance Indicators (at least 5)

• Growth of the overall portfolio of the Business Centres in terms of Assets, Liabilities and Corporates accounts.
• Management and achievement of profitability and productivity ratios for the corporate portfolio.
• Growth of the trade finance and regional business volumes
• Management of the corporate credit portfolio quality within risk thresholds of the Bank.
• Team’s Learning & Growth measured by attainment of at least 90% in all assessments undertaken
• Minimum Requirements-State the academic and professional qualifications and work experience
• 4 years Banking Experience, the last 2 of which should be in role in business development and/or credit.
• Strong credit skills and good understanding of SME and Corporate Banking Products.
• A bachelor’s Degree in business studies or similar area.

Competencies and Attributes-

1. Leadership - provides advise and support the Bank/Branch and operations teams in ensuring proper
2. customer management and customer satisfaction.
3. Communication Skills (Verbal & Written) and Presentation skills – ability to articulate clearly to clients on the various products and solutions to meet their needs.
4. Stakeholder Management - demonstrate interpersonal skills in the identification, analysis, and
5. planning of actions to communicate with, negotiate with and influence various stakeholders.
6. Adaptability - Ability to adapt quickly to new and diverse environments including economic and sectoral changes affecting the business industry.
7. Emotional Intelligence – the ability to understand and manage own emotions, team, and various stakeholders including managing conflict.
8. Analytical Skills - ability to analyse client financial information for decision making by the relevant stakeholders.

Application deadline is Wednesday, 30th March 2022