Senior Relationship Manager, Asset Finance at SBM Bank

JOB PURPOSE

The overall responsibility of this role is to develop strategy for Asset Finance and IPF, lead a team to execute the strategy to achieve key objectives for the bank. The role is to enable the unit to achieve business growth for the Bank by selling Asset Finance products within assigned market segments and by promoting and selling other products and services of the Bank to enhance value-added relationship with existing customers.

KEY RESPONSIBILITIES

Strategy - 30%

• Balance sheet & Income growth achieved by driving Asset finance business through Branches, sectors and segment
• Service delivery & Relationship Management
• Staff management & Personal Management.
• Participate in training of Branch Relationship Managers (RMs) and Relationship Officers (ROs) in the respective regions with regards to Asset finance products, policies and procedures.

Business Development - 40%

• Grow the bank's asset finance book and Income. 
• Promote active utilization of the bank's products on Asset Finance and IPF to existing and potential clients. 
• Evaluate credit proposals and oversee the credit applications process on a timely basis within the Bank’s set turnaround times. 
• Effectively manage and expand the relationships with existing & new clients in various segments and bringing in new partnerships so as to ensure product development, business growth and continuity.
• Participate in training of branch RMs & ROs in the respective regions with regards to Asset finance policies and procedures. 
• Ensure effective communication with Motor Vehicle Dealers, in respect to status of applications 
• Ensure portfolio register is up to date 
• Ensuring continuous improvement in customer service and implementing effective retention of customers within the Asset Finance framework. 
• Monitoring and maintaining a healthy portfolio. 
• New product development and continuous product innovation to meet changing customer needs

Compliance - 10%

• Ensure compliance with both internal and external regulatory requirements.
• Working closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with corporate banking. 
• Developing and continuously reviewing business operational policies and procedures ensuring their compliance.

People - 20%

• Managing and developing a high-performance team to meet set deliverables. 
• Providing coaching, training needs and mentorship aimed at building knowledge among subordinates.

KEY RELATIONSHIPS 

Direct Reports to this Position:

• Manager (Business Development)- Asset Finance
• Senior Officer IPF
• Credit Officer

Customers of this Position

• All HODs
• Branches 
• External customers

KEY QUALIFICATIONS AND COMPETENCES 

Knowledge; Skills and Experience required for this Role

• Business graduate from an accredited University with at least 5 years experience in Asset Finance. 
• Post Graduate degree (Business, Finance, Banking , Economics) an added advantage 
• Expert knowledge in Asset Finance and IPF products
• Demonstrated leadership capabilities, ability to organize and manage human resources to attain goals. 
• Effective communication skills. 
• Excellent Organizational, Analytical and Coordination skills
• Client Oriented. Considers client to be primary in all Interactions/transactions 
• Information gathering and information monitoring skills.
• Problem analysis and problem solving skills.
• Good Decision Making Skills and Mature sense of judgment 
• Good team player
• High level of Integrity and ability to work under pressure to deliver timely quality services.

Competencies required for this Role

• Delivering Results and Meeting Customer Expectations 
• Entrepreneurial and Commercial Thinking
• Relating and Networking
• Persuading and Influencing 
• Presenting and Communicating Information 
• Achieving Personal Work Goals and Objectives 
• Deciding and Initiating Action
• Adapting and Responding to Change