Senior Relationship Manager, Agribusiness (1) - Rift & Western Region at SBM Bank

JOB PURPOSE

Reporting to the Head of Agribusiness, Corporate Banking, the role involves the management of business development activities from prospecting, acquisition, and retention of the corporate banking customers along various business lines both in volumes and incomes for the Agribusiness sector in the Rift and Western region.

KEY RESPONSIBILITIES

• To implement the Corporate Banking Unit strategy in line with the overall Bank’s Strategy; to ensure achievement of profitability targets through growth of assets, deposits, revenue maximization and prudent cost management for the Agribusiness Sector.
• Drive sustainable growth through the delivery of innovative and customized financial solutions to meet identified customer needs.
• To Build and maintain productive and strategic relations with customers/ suppliers/ line manager/ stakeholders to drive the development and delivery of business solutions and revenue growth for the specific sectors or portfolio.
• Ensure strong cross-selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the bank.
• Champion the delivery of consistent, seamless, and trusted customer service to ensure customer retention and loyalty.
• Maintain a detailed and current understanding of the industry (s); (at a macro, sector specific, current market structures; regulatory requirements and issues) to ensure that opportunities are realized and the risks mitigated.
• Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements.
• Maintain a strong pipeline for business development and prepare account plans for all customers under the portfolio.
• Maintain a good quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.
• Advising clients on ways to structure their borrowings or requests to suit their current financial requirements without overstretching their existing cash flow or limiting potential opportunities for growth of their businesses.
• Ensure timely preparation of relevant reports and daily monitoring of accounts to ensure facilities have accurate interest rates, are within the approved limits, covenants are met and taking remedial actions in line with policy.
• Lead, motivate, and continuously develop a credible high performing team.
• Ensure compliance with the Bank’s policies, procedures, and regulatory requirements.

KEY RELATIONSHIPS

Direct Reports to this Position

• Relationship Manager
• Assistant Relationship Manager

Main Customers of this Position

• Branch Managers
• Business Development Team
• Credit Risk and Monitoring 

KEY QUALIFICATIONS AND COMPETENCES

Knowledge: Skills and Experience required for this Role

• Business graduate from an accredited University
• At least 4 years’ experience in the Agribusiness Sector in a Corporate Banking environment in the Western and Rift region is required.
• Professional Qualifications CPA, ACCA, CFA, AKIB Added Advantage
• Master’s Degree Finance or a Business-Related Field Added Advantage

Competencies required for this Role.

• Dynamic, analytical, and self-driven individual with the ability to work under pressure.
• A passion for performance, team player and achievement in a competitive and dynamic environment
• Excellent selling, presentation, and negotiation skills
• Strong networking skills
• Commercial awareness and customer focus
• Ability to close deals and pitch customers on offerings in the Bank and Group