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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 ...
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Overall Job Purpose
The Branch Business Manager will be responsible for growing the branch portfolio and balance sheet, and effective management of branch sales staff in order to maximise branch profitability.
Principle Accountabilities
- Develop strategies & execution plans to create new sales in all business lines in the branch.
- Develop strategies & execution plans to ensure growth of existing businessin the branch.
- Prepare & execute sales presentations & activations.
- Monitoring daily performance at the branch to ensure targets are met. Developing corrective action plan where necessary.
- Monitor & ensure customer service standards at the branch are met & maintained at all customer touchpoints.
- Preparing relevant management Information reports on the branch performance within stipulated timelines.
- Manage the sales staff at the branch by providing ongoing individual coaching and training to assure ensure achievement of sales goals, member retention and deepening member relationships.
- Continuous review & appraisal of branch sales staff performance and immediate corrective action.
- Ensure sales staff are motivated for maximum productivity
- Cultivate a team culture that enhances support for each other to ensure overall productivity.
- Arrange, conduct or recommend appropriate training for branch staff to enable them carry out their duties effectively & efficiently.
- Ensure discipline and adherence to staff code of ethics by Branch sales staff.
- Ensure planned leave schedule & execution for branch sales staff.
- Supervise the development of a call program for all clients.
- Review the call program to ensure that its followed with call reports generated per visit for effective follow-up
- Ensure the branch attend to customer banking needs in a timely manner and manage their expectations.
- Directing, motivating and developing staff so as to ensure a branch succession plan for branch continuity is in place.
- Develop a proposal for generating quality loan proposals that meets banks Risk acceptance criteria as per the credit policy
- Ensure that sales staff manage and maintain quality of Loan Portfolio in the branches
- Continuous review the branch credit portfolio to ensure that early warnings of default are addressed in a timely manner to avoid deterioration to bad debts.
- Ensure that assigned sales staff are taking remedial actions on all delinquent accounts.
- Ensure that the branch strictly adhere to banks operating procedures & policies to ensure all controls are observed.
- Ensure the branch comply with AML/KYC guidelines in customer recruitments.
- Review of compliance/Audit reports for the branch with the quest to ensure that corrective action & recommendations are addressed
Minimum Qualifications, Knowledge and Experience
- A University degree in a business related field.
- A Master’s degree in a business related field will be an added advantage.
- Atleast 5 to 6 years experience in sales management within the Banking Industry.
- Professional qualifications such as AKIB
Key Competencies and Skills
- Selling and Negotiation Skills
- Basic accounting skills
- Team Work
- Interpersonal skills
- Leadership Skills
- Communication Skills
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Overall Job Purpose
The Branch Business Consultant - Personal Banking will be responsible for selling Liabilities and Assets in order to grow the Branch Business.
Principle Accountabilities
- Cross selling of HFC Bank's Personal Banking products by establishing new relationships in order to grow both assets and liabilities book.
- Maintaining customer relation by regular contact to ensure customer satisfaction business continuity
- To review accounting opening forms and loan applications by scrutinizing the documents to ensure they are KYC Compliant.
- To check data entry by verifying the data captured against source documents to ensure accuracy in data capture.
- To analyze mortgage loan applications by interviewing the customers.
- To identify customers borrowing needs by interviewing so as to ensure selling of the right mortgage product.
- To safeguard bank assets by being a dual custodian to minimize frauds and losse
Minimum Qualifications, Knowledge and Experience
- A Business related degree from a reputable institution
- Atleast 3 years in the Banking Industry
- Strong appreciation of banking Products.
Key Competencies and Skills
- Ability to work independently under strict deadlines.
- Excellent selling skills and negotiation skills
- Practical experiences in use of MS Office applications.
- Must have good interpersonal skills and communication skills (both oral and written).
- Results oriented, problem analysis and problem-solving skills.
- Demonstrated good planning and organizational skills.
- Good listening skills.
- Attention to detail and accuracy.
- Must be a team player and have integrity.
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Overall Job Purpose
The Relationship Manager - Personal Banking will be primarily responsible for servicing and managing client relationships in Personal Banking by engaging them, identifying their needs and providing them with the appropriate solutions from the entire range of HF Banking products. Driving profitable revenue and volume growth from their portfolio with a focus on new acquisition, deepening of existing customer relationships and cross sell thereby increasing customer share of wallet with the Bank.
Principle Accountabilities
- Provide High Net Worth (HNW) clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank, and build client loyalty.
- Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis.
- Ensure clients are aware of all the Privileges & Solutions offered under Personal Banking.
- Ensure clients are aware of all financial services offered by the bank- drive full service bank agenda.
- Use systems effectively for customer contact management, sales and service activity.
- Ensure delivery of service promise for improved customer satisfaction levels.
- Minimize client attrition.
- Ensure set Complaint Management processes are followed and TATs are met.
- Source New Business from Personal Banking clients through referrals, marketing activities and personal contacts.
- Develop the Personal Banking customer base and expand the unit’s business growth through marketing of the Personal Banking products and services.
- Enhance HF Personal Banking sales/ revenues and promote cross selling of bank products to all existing clients.
- Achieve Revenue goals, Sales and Portfolio growth targets across a range of products and services.
- Achieve Product Holding per customer growth targets
- Ensuring revenue growth through customer acquisition, new need identification, product cross-sell and re-engineering increased product usage for existing clients.
- Participate in SME and Institutional Bank customer calls for marketing initiatives.
- Drive segment based focus products agenda and conduct branch product trainings.
- Complete training programs allocated in line with your Role.
- Ensure that the target market selection criterion is adhered to and that we are in full compliance with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements.
- Strong responsibility for ethical selling to customers with complete disclosure about products and services.
- Ensure Portfolio allocated is closely monitored and actions recommended are diligently executed.
- Ensure required approvals are obtained before authorizing payments.
- Monitor overdrawn accounts/ overdue loans and follow up for clients to regularize.
- Ensure accounts are not overdrawn without authorization.
- Adhere to set processes and procedures.
Minimum Qualifications, Knowledge and Experience
- Bachelor’s degree in a business related field
- Master’s Degree will be an added advantage
- Retail Banking Associate (RBA UK)
- Customer Relationship Management Course
- Minimum 3 years’ experience in similar job with a financial services institution
- CISI Certified Level 1 will be an added advantage
Key Competencies and Skills
- Knowledge of Banking and Business Operations
- Audit Standards and Legislations
- Compliance and Regulatory Framework
- Conceptual and Analytical Skills
- Intricate understanding of products pertaining to HNW customers both internal and external (competitors).
- Basic market knowledge of various investment vehicles / markets/ economics.
- Strong interpersonal skills and appreciation for diversity.
- Team player with ability to train, develop and mentor junior staff.
- Relationship Management skills.
- Networking Skills.
- Communication and Interpersonal Skills
- Personal Ethics
- Negotiation Skills
- Extrovert/ Amiable personality.
Method of Application
Use the link(s) below to apply on company website.
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