Relationship Manager – Credit (Commercial Loans)

Job description
An International Tier Three Bank with operations in Nairobi & Mombasa is currently in an exciting growth phase and looking to recruit a Relationship Manager – Credit. The successful candidate will be tasked to focus on identifying lending opportunities, soliciting and developing all types of business activity. He/she MUST have a credit background by ensuring accurate risk profiling. Excellent presentation, interpersonal, negotiation and communication skills would be mandatory requirement for this role.
Key Responsibilities: –

Initiate marketing and credit calls with existing and potential customers.
Undertake periodic review of accounts under his/her portfolio.
Manage and grow the existing assets and liability portfolio.
Prepare a proposal for lending after understanding a thorough analysis of the customer’s financial statements.
Finalize the proposal, structure the loan and arrange approval from relevant credit approvers.
Evaluate and acquire a good understanding of the risks associated with individual transactions, products and customers.
Assists in the banks efforts to combat money laundering.
Continuously monitor the customers, their limit, industry and manager quality of credit.
Provide feedback to Bank management and colleagues regarding customer needs.
Interpret and implement lending policies.
Minimize problem credit and delinquencies by maintaining high credit standards.

Qualifications: –

Must have a bachelor’s degree.
Must have a minimum of 4 years of experience in lending & loans disbursing.
Must have prior experience in credit and risk profiling.
Must be a natural sales person with an excellent background in relationship management.
Good knowledge of Bank products, services, procedures and policies will be required.
Must be a natural sales person with a passion in achieving targets.
Customer oriented &team player.
High integrity and ethical standards.