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  • Posted: Feb 1, 2023
    Deadline: Feb 14, 2023
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    Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.

    Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...
    Read more about this company

     

    Senior Relationship Manager, Commercial Banking

    Overall Job Purpose

    The Senior Relationship Manager, Commercial Banking will be responsible for achieving business growth in the Commercial Banking segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.

    Principle Accountabilities

    Acquisition: Business Development

    • To ensure growth of Commercial Banking portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers 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 Commercial banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity.

    Portfolio profitability (Cross-sell & Retention)

    • Grow Commercial Banking 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.

    Minimum Qualifications, Knowledge and Experience

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

    Key Competencies and Skills

    • 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
    • Team Work

    Method of Application

    Interested and qualified? Go to HF Group on www.hfgroup.co.ke to apply

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