Relationship Officer – Kiambu Road Branch
Key Responsibilities
Strategic input and
planning
Contributes
to the completion of the branch operational plan by preparing and implementing
an individual business plan that encompasses strategies for performance on
branch growth objectives.
Prepares
a personal action plan that contributes to the overall branch budget.
Sales & Business Development
Full
responsibility for all product lines and all sales and business development.
Develop
business opportunities and monitor business activities in line with the Bank’s
long-term strategic and annual business plans and ensure that the branch
remains competitive and promptly reacts to changing market conditions and
customer needs.
Develop
a focused relationship management approach, which increases the branch’s
ability to increase the flow of business and generate deposits, lending, and
revenues from existing and new customers in line with the enterprise strategy.
Ensure
full compliance with the Bank’s Credit Policy, Central Bank of Kenya
guidelines, and appropriate provisions of the Banking Act concerning lending.
Enhance
relationship marketing and management – to establish, maintain, and enhance
relationships with customers and other partners, at a profit, so that both the
customer and bank objectives are met and achieved by a mutual exchange and
fulfillment of the brand promise.
Actively
market and develop the banking products to existing and prospective clients to
grow the wallet share.
Continuously
conduct market research and competitor analysis to identify new business
opportunities.
Manage
relationships of key accounts while tapping on their share wallet through
cross-selling and upselling.
Business
development through recruiting new key accounts while harnessing their value
chains.
Maintain
a comprehensive understanding of the customers’ business plans, financial
projections, and support requirements.
Strategic Marketing
Enhance
creation by creating, communicating, delivering, and offering solutions that
have value for customers, shareholders, and partners.
Build
the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise
bank.
Understand
and provide clear direction to the branch based on market analysis of local
area consumer trends and competitor offerings.
Support
product specialists and the sales teams in marketing of initiatives and other
products to local businesses.
Strategic customer
experience
Key
driver for not only customer satisfaction but building a base of promoters by
enhancing positive customer experience and advocacy to drive competitive
advantage, leading to faster organic growth and lower cost.
Link
sales and service and embed customer service culture as the bedrock to grow the
balance sheet.
Branch Operations
Support
branch operations as assigned by the Branch Manager to manage leave and other
emergencies.
Compliance
Contributes
to the flow of staff communications, by attending regular staff meetings –
morning huddles and weekly progress meetings.
Adherence
to dress code, code of conduct, and HR policies and procedures and follows laid
down grievance and disciplinary procedures to ensure a conducive work
environment.
Monitor
and ensure compliance with facility covenants to ensure performance and
profitability.
Provide
regular call reports for all facilities to enhance our Monitoring and
evaluation.
Monitor
service delivery to bank customers to ensure high levels of efficiency and
effectiveness.
Ensure
compliance with both internal and external regulatory requirements.
Work
closely with risk and compliance units to ensure effective controls to mitigate
against operational and business risks.
Ensure
implementation and compliance with operational policies and procedures, AML/CFT
Policies.
Compliance
with the Environmental Social Management (ESM) policy and procedure in
day-to-day business.
Decision Making Authority
Customer
onboarding as per policy
Portfolio
management as per policy
Credit
appraisal and debt monitoring for accounts in PAR or NPL as per policy
KYC
compliance as per policy
Qualifications
Academic Background
University
degree or above in a relevant business discipline e.g. business administration
or finance
Work Experience
At
least 3 years’ experience in retail banking and/or commercial banking including
a minimum of 1 year of sales experience.
Skills & Competencies
Sound
knowledge of Retail Banking/SME products, services, and processes together with
exposure to retail banking branch operations or customer service delivery.
Profound
understanding of the retail market, key competitors, and offerings as well as
our competitive edges to win quality customers.
Thorough
understanding of CBK regulatory framework and pertinent regulations impacting
corporate customers.
Strong
leadership, marketing, sales, and management skills.
Highly
effective communicator with excellent interpersonal and motivational skills.
Solid
performance management and motivational skills.
Excellent
relationship-building and stakeholder management skills.
Strong
managerial, planning, analytical, decision-making, lateral thinking, and
project management skills.
Professional Certification
Diploma
in Banking – AKIB/ACCA/CPA (K)
How To Apply
