Senior Relationship Officer SME at Old Mutual Kenya

Job Description

To grow and manage SME clients to ensure optimum customer acquisition, loan and cheap deposit growth, retention and income generation. To offer world class relationship management and customer experience to new and existing customers.  

KEY MEASURABLE GOALS

• Growth in number of clients.  
• Growth of cheap and stable deposits.
• Growth in Outstanding SME loan book and maintain quality loan book.
• Growth in non-funded income (transactional income, fees and commissions)
• Cross-selling of Bancassurance products

 KEY RESPONSIBILITIES

• Lead generation and conversion to business (Loans, Fixed Deposits, business accounts etc.)
• To champion SME product in the Branches
• Client retention through world class customer service
• Relationship Management of existing and new SME clients
• Account utilization by all SME clients and on boarding to alternate channels.
• Proper KYC vetting of clients using supporting documents and SME appraisal tools   
• Proper loan appraisals measured by approval success rate 
• Documentation and integrity
• Compliance to Credit Policy, Compliance and audit standards together with company policies and procedures
• Dissemination of information to prospective clients about Faulu
• Products and service awareness
• Ensuring clients understand our operations policy with regard to accessing our services and products
• Periodic SME training to the branch staff to enhance awareness and cross selling
• Ensuring account utilization -all business proceeds to be banked through Faulu
• Relationship management – scheduled and adhoc client visits, calls, etc.
• On time loan repayment and follow ups
• Understanding the underlying causes of default and take remedial actions as per credit policy
• Attain PAR targets
• Networking with SME Business Forums, events, etc.
• Stakeholder relationship management; local administration, dealers, etc.
• Monitor, on a continuous basis, all transitions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)
• Obtain, verify and maintain proper identification of customers wishing to make transactions whether directly or through proxy.
• Adhere to all the due diligence measures when conducting transactions as enshrined in the Bank's AML, KYC & CFT policies, procedures and guidelines

PERSON SPECIFICATION

Education

• Bachelor’s degree in a Business-related field

Desirable

• Diploma in sales and marketing

Knowledge and Skills

• SME Credit analysis, credit management and marketing/Relationship Management

Experience

• At least 2-year related experience.

Personal Attributes

• Good communication and interpersonal skills.
• Excellent problem solving and decision-making skills.
• Team player and quick thinker

Physical demands

• Constant travel