Job Summary
The Relationship Manager will spearhead business growth initiatives by acquiring new customers, expanding existing portfolios, and mobilizing deposits, all while maintaining exceptional customer service standards. This position is tasked with upholding portfolio quality, facilitating recovery efforts, and ensuring strict adherence to regulatory mandates as well as the Bank’s established policies and procedures.
The position entails a broad spectrum of duties and responsibilities, including the execution of core tasks integral to the role. Key responsibilities involve managing daily operations, ensuring adherence to established protocols, and maintaining high standards of performance. The role demands meticulous attention to detail, strong organizational abilities, and the capacity to meet deadlines efficiently. Additionally, the incumbent will collaborate with cross-functional teams, provide support to colleagues, and contribute to strategic initiatives aimed at achieving organizational objectives. Proficiency in relevant software, tools, and systems is essential, alongside effective communication skills to liaise with stakeholders at all levels. The successful candidate must possess the adaptability to navigate dynamic work environments while upholding accountability for assigned responsibilities.
To drive the accomplishment of strategic business objectives, you will focus on enhancing customer acquisition, increasing deposit mobilization, growing asset portfolios, maximizing profitability, and expanding market share.
To cultivate a robust pipeline of potential clients and strengthen connections with current customers, thereby improving retention rates and increasing share of wallet.
To uncover and leverage market opportunities, drive expansion within the Bank’s retail, SME, and corporate business portfolios.
Drive revenue growth and elevate customer satisfaction by actively promoting and cross-selling the Bank’s diverse product and service offerings.
Work collaboratively with branch teams and other business units to enhance the Bank’s asset and liability portfolios, fostering sustainable growth through strategic partnerships and coordinated efforts.
Craft high-quality credit proposals in collaboration with the Credit Department to facilitate prompt and streamlined processing of facilities.
Monitor portfolio performance diligently, identifying trends and risks early to take decisive action in managing delinquencies and recoveries. Ensure portfolio quality remains strong by implementing proactive strategies that reduce the incidence of non-performing loans and safeguard overall financial health.
Conduct customer visits on a regular basis while delivering responsive, high-quality service to foster stronger relationships and enhance customer satisfaction.
Collect and analyze market intelligence to identify opportunities, then propose strategic recommendations for product and service enhancements that strengthen the Bank’s competitive position.
Oversee sales and relationship management expenditures with precision to maximize resource efficiency and drive enhanced profitability.
Develop and deliver regular business performance and portfolio reports to facilitate informed decision-making processes.
Ensure full adherence to all regulatory mandates, Anti-Money Laundering (AML) protocols, Know Your Customer (KYC) procedures, and internal policies, while maintaining stringent risk management standards and ethical integrity.
Bachelor’s degree in a relevant field or equivalent professional experience is required. A minimum of three years of hands-on experience in a related role is necessary, along with proficiency in industry-standard software and tools. Strong analytical and problem-solving abilities are essential, as well as excellent communication and organizational skills. Candidates must demonstrate the capacity to manage multiple priorities efficiently while maintaining attention to detail. Prior leadership or project management experience is preferred but not mandatory.
A bachelor’s degree in business, finance, economics, or a related discipline is required.
With a minimum of five years of direct sales, business, or corporate relationship management experience in a commercial bank in Kenya.
Possesses a comprehensive knowledge of banking products and services, including their features, benefits, and applications, ensuring effective customer guidance and support. Demonstrates expertise in financial solutions tailored to diverse client needs, with a strong ability to explain complex banking concepts in a clear and concise manner. Maintains an up-to-date awareness of industry trends and regulatory changes to provide informed recommendations and enhance customer satisfaction.
Proficient in credit analysis, portfolio management, and debt recovery methodologies, demonstrating a comprehensive grasp of financial risk assessment and mitigation strategies.
Proven track record in cultivating and maintaining profitable customer relationships.
Exceptional proficiency in negotiation, communication, and presentation is essential.
Proficient understanding of the CBK Prudential Guidelines, as well as comprehensive knowledge of AML/CFT regulations and KYC requirements, is essential.
Maintains a high degree of integrity, demonstrates strong initiative, and consistently drives results with a clear focus on outcomes.
Qualifications
BA/BSc/HND
Experience Required
5 years
