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 ...
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Principle Accountabilities
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 i.e Internet Banking, WHIZZ and other platforms.
- To effectively manage and expand the relationships with existing SME banking clients and bring 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
- 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.
Key Competencies and Skills
Competencies required for this Role
- 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
- Working with people
Minimum Qualifications, Knowledge and Experience
Education, knowledge, skills and experience required for this Role
- Bachelor’s degree in any field
- 5-year experience in managing clients
- Excellent interpersonal skill
- Excellent communication and presentation skills
go to method of application »
Principle Accountabilities
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 i.e Internet Banking, WHIZZ and other platforms.
- To effectively manage and expand the relationships with existing SME banking clients and bring 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
- 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.
Key Competencies and Skills
Competencies required for this Role
- 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
- Working with people
Minimum Qualifications, Knowledge and Experience
Education, knowledge, skills and experience required for this Role
- Bachelor’s degree in any field
- 5-year experience in managing clients
- Excellent interpersonal skill
- Excellent communication and presentation skills
go to method of application »
Principle Accountabilities
PRINCIPAL ACCOUNTABILITIES
- Business planning and growth within government and quasi government institutions.
- Undertake market situation analysis to identify new business opportunities.
- Understand customers' businesses and anticipate their requirements.
- Match customers' needs with HFC product capabilities through presentations and proposals.
- Negotiate terms and conditions with customers to maximize revenue and profitability.
- Offer need-based solutions to meet the specific investment needs of our customers and prospects.
- Conduct joint calls with schemes and IB RMs to ensure proper management of the value chain.
- Ensure smooth deal implementation and while maintaining high levels of service quality.
- Identify opportunities for cross selling and referrals to other HFC business lines through developing a good understanding of client needs.
- Ensure the best in class in terms of quality of customer experience, sales, turnaround time and productivity standards.
- Continuously provide feedback on the acceptance of the products in the market and suggest changes that could improve uptake.
Key Competencies and Skills
Technical Competencies:
- Computer /IT skills, including knowledge of Microsoft office applications e.g. Word; Excel; PowerPoint etc.
- General knowledge in banking processes.
General Competencies:
- Excellent written and oral communication skills.
- Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
- Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
- Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention and problem-solving skills.
- Basic analytical ability with active listening skills.
- Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
- Ability to maintain confidentiality of sensitive information.
- Willingness to adapt to changing business needs and deadlines.
Minimum Qualifications, Knowledge and Experience
Education:
Experience:
- Minimum of 3 years’ experience in sales preferable within the Banking Industry.
- Demonstrate knowledge of banking operations
- Problem-solving and analytical skills
- Demonstrate integrity and ethical standards
- Attentive to details
Method of Application
Use the link(s) below to apply on company website.
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