Overall Job Purpose
The Senior Relationship Manager, Commercial Banking will be responsible for achieving business growth in the Commercial Banking 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.
Principle Accountabilities
Acquisition: Business Development
To ensure growth of Commercial Banking portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers 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 Commercial banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity.
Portfolio profitability (Cross-sell & Retention)
Grow Commercial Banking 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.
Minimum Qualifications, Knowledge and Experience
Bachelor’s degree in any field
5-year experience in managing commercial clients
Excellent interpersonal skills
Excellent communication and presentation skills
Key Competencies and Skills
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
Team Work
Apply via :
www.hfgroup.co.ke