Vacancies at Gulf African Bank

Job Purpose:

• To achieve business growth in the SME 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 SME 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
• To effectively manage 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 SME 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 the Branch Managers.
• Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
• Ensure customers are notified of maturing fixed deposits for appropriate action and encourage retention
• 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
• Assist in growth of given portfolio through the use of desired channels such as the SME Business Hubs/ digital platforms i.e. B2 B
• 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. Gab Pesa, Internet banking
• Ensure Product Per Customer of 5 across the portfolio
• Understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
• Evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.

Customer Service and customer information

• Obtaining account opening documentation from new customers
• Opening of accounts for customers in the system and ensuring minimum required information is captured and customer given a CIF number.
• Following up with customers in the portfolio for missing information
• Maintaining/ Updating customer data on parameters such as Business turnover/ directors details etc.
• Ensure all customer engagements are recorded accordingly

Compliance:

• Ensure compliance with both internal and external regulatory requirements (KYC, AML and other bank processes.
• Continuously follow business operational and credit policies ensuring their compliance.
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

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Job Purpose:

• Support the Senior Corporate Relationship Manager / Corporate Relationship Manager in the day to day administrative and operational matters relating to the assigned portfolio of corporate customers.
• The Job holder will be responsible for the organic business growth of the assigned portfolio through exceptional customer experience, relationship deepening and ecosystem extraction.
• Deliver on the agreed NFI revenues through enhancement of transactional volumes

Key Responsibilities:

Business Development

• Drive growth of NFI through cross selling of the bank’s products to existing and potential customers.
• Develop and maintain robust account plans for strategic customers in the assigned portfolio.
• Maintain high quality portfolio and enhance share of business in the assigned portfolio.
• Relationship Management; Being the link between existing clients and the Bank on matters relating to the administration of the portfolio.
• Provide excellent and timely solutions 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 mis-selling/ 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 the assigned portfolio is addressed effectively and expeditiously

Compliance and Operations:

• 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.
• Execute customer instructions rapidly and free of error.
• Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.

Other

• Safeguard and promote the bank’s image both internally and externally.
• Act in the best interest of the bank at all times

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
• Must be self-driven and very aggressive
• Must be confident, eloquent and presentable.
• Must have excellent presentation and negotiation skills.
• Functional Competencies Required for this Role
• Must possess excellent selling skills with a proven track record.
• Emotional Intelligence; Dynamic, individual with the ability to work under pressure
• Strong networking skills, for both internal and external networks
• Relationship Management skills with excellent interpersonal, communication and presentation skills.
• A passion for performance and achievement in a competitive and dynamic environment
• Hardworking, strategically minded individual with excellent leadership, organizational, and planning skills
• Commercial awareness and customer focus.
• Pleasant, honest outgoing, well-groomed and self-driven

Key Relationships

• Direct Reports to this Position
• None
• Customers of this Position
• Branches, Operations, Risk & Compliance