Careers at Gulf African Bank

To achieve business growth in the retail 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.

Key Responsibilities:

• Acquisition: Business Development
• To ensure growth of Branch Retail Portfolio (NFI, Deposits and assets) through the acquisition of new to bank customers through the Business sales officers 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 e To effectively manager and expand the relationships with existing SME Banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity
• Portfolio Profitability (Cross-Sell & Retention)
• Grow Retail customer 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 Branch Managers
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Assist in resolving queries in a timely and appropriate manner
• Assist in collaborating with product specialist to deliver effective customer solutions
• Ensure fulfilment of minimum customer relationships touch points e.g. I visit every quarter and I call and email a month a month depended on customer segment
• Prepare and submit all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. Gabpesa, internet banking
• Ensure P PC of 3 across the portfolio
• To understand business, 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 with the bank’s set turnaround times
• Customer and Markets
• Maintaining/updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customers 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
• develo s network of outside referral sources for new business.

Qualifications and experience

• Bachelor’s degree in any field
• At lease 2-3 years experience in managing clients
• Excellent interpersonal skills
• Excellent communication and presentation skills

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The role holder will be responsible for identifying Trade finance opportunities within the Coast Branch network, Support Portfolio growth, Monitoring the performance of the portfolio and marketing the bank’s trade finance product offering.

Key Responsibilities:

• To onboard new trade finance clients for the bank
• To collaborate with branches across the bank’s network to increase Trade finance business.
• To produce and maintain continuous progress reports on the growth of the Trade Finance portfolio within the bank.
• To undertake Marketing initiatives with both internal and external stakeholders with an objective of growing the Trade finance customer base.
• To increase utilization and uptake of Trade finance products by existing customers.
• To effectively manage and expand the relationships with existing Trade finance clients and bringing in new partnerships so as to ensure business growth.
• To advise clients on appropriate Trade Finance solutions as provided within the bank’s credit policy.
• To evaluate and prepare Trade finance credit propositions within the bank’s agreed turnaround time.
• To oversee the Bank’s Trade finance portfolio and adhere to the bank’s acceptable PAR.
• To ensure compliance to Internal and external regulatory requirements.
• Sales & Business Development
• Responsible for Trade Finance sales and business development.
• To Complete business opportunities and monitor business’s activities in line with the Bank’s strategic and annual business plans.
• To Adopt to a focused relationship management approach, that increases the flow of business to the Trade Finance department.
• To Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate provisions of the Banking Act with respect to lending.
• To Enhance relationship marketing and management with customers and other partners, at a profit, so that the both the customer and bank objectives are met achieved by a mutual exchange and fulfillment of the brand promise.
• Strategic Marketing
• To build the GAB Brand with an objective of making the bank a preferred Trade finance partner.
• To regularly update the Bank’s product proposition to ensure it is competitive.
• To support other business teams with organizing and participation in Trade Finance events & forums.

Skills, Experience and Competencies

• Must have a business-related degree with a second-class honor or equivalent
• Must have 2 years’ work experience in Sales, Business development, Relationship

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Key Responsibilities:

• Business Development
• Drive growth of NFI through cross selling of the bank’s products to existing and potential customers.
• Develop a rich database of established clients and a clear plan for growth in number of accounts and deposits
• Service Excellence-Manage Attrition of clients leaving the Bank by ensuring customer service satisfaction and retention as well as promptly responding to customer queries.
• Relationship Management; Being the link between the existing Institutional clients and the Bank on matters relating to the administration of the portfolio.
• Provide excellent, timely and professional service to the Bank’s clients in addition to providing prompt feedback from them to the Bank for immediate action where possible and at the same time avoid any case of misseling/ misrepresentation.
• Participating in Market awareness programs for the Bank, this includes market activations, sales promotions, product launches, et al.
• Ensure compliance matters in respect to Institutional Banking is addressed effectively and expeditiously
• Compliance
• Ensure full compliance on the KYC policies and procedures as well as the rules and guidelines set by the regulator.
• Ensure compliance with the Bank’s code of Ethics.
• Ensure compliance with internal regulatory requirements particularly with regards to asset facilities processing.
• Other
• Safeguard and promote the bank’s image both internally and externally.

Qualifications and Experience

• University Degree from a recognized institution with a bias in business studies/ Marketing.
• Must have at least five (5) years’ banking experience and at least 1-year relationship management or customer experience.
• Cross-cutting experience in customer service, business and operations will be an added advantage.
• Must possess sound knowledge of Bank products
• Must Have good interpersonal skills and portray teamwork capacity