Job Purpose Statement
Responsible for growth of
Banking business in own portfolio; including acquisition of securing new
clientele, selling banking products, ensuring top-notch relationship
management, growth of wallet share of existing clients, and enhancing product
utilization through cross-selling efforts.
Key Responsibilities
Financial
- As a Branch Relationship Manager at CIB
Kenya, you will have a significant impact on the bank’s financial
performance and growth trajectory. Your responsibilities encompass a wide
range of strategic financial initiatives:
- Onboarding New Clients: Actively identify
and pursue new-to-bank customers, utilizing your market insight and
networking skills to expand the bank’s client base. Your ability to
establish rapport and communicate the bank’s value proposition will be
crucial in building strong initial relationships.
- Revenue Generation: Develop and execute
strategies to maximize revenue and profitability within your portfolio.
Your analytical skills and business acumen will guide you in identifying
opportunities for revenue enhancement and sustainable growth.
- Deposit Mobilization: Play a pivotal role
in optimizing liquidity management by mobilizing deposits from clients.
Your efforts will contribute to the bank’s funding stability and its
ability to meet operational and lending requirements.
- Credit Portfolio Management: Actively
engage with creditworthy clients to contribute to the composition of a
well-balanced loan portfolio. Your expertise in risk assessment and credit
analysis will ensure that the bank’s lending practices remain prudent and
aligned with regulatory guidelines.
- Cost of Funds Optimization: Focus on
acquiring CASA and transactional accounts to directly impact the bank’s
cost of funds. By attracting low-cost deposits, you will enhance the
bank’s overall funding efficiency and competitiveness.
- Cross-Selling: Promote and cross-sell a
diverse range of bank products and services. This strategic approach will
deepen client relationships and contribute to incremental revenue streams.
- Risk Management: Vigilantly monitor
credit quality and portfolio performance to maintain a low portfolio at
risk. Your ability to proactively identify and address potential risks
will safeguard the bank’s interests.
- Wallet Share Maximization: Provide
tailored financial solutions and cultivate client loyalty to ensure that
the bank captures a significant portion of clients’ wallet share. Your
strategic account management will contribute to the bank’s market
dominance and sustainable growth.
Customer
- As a dedicated Branch Relationship
Manager, you will be the face of CIB Kenya to your clients, playing a
pivotal role in delivering exceptional customer experiences and building
lasting relationships:
- Customer Service Excellence: Deliver
exceptional customer service to create a positive and memorable banking
experience for clients. Your responsiveness and attention to detail will
ensure clients’ needs are met promptly and effectively.
- Quick Turnaround: Expedite processes and
provide swift responses to contribute to a seamless and efficient customer
journey. Your proactive approach will help clients navigate their banking
requirements with ease.
- Customer Retention: Foster loyalty and
retention through personalized interactions and a deep understanding of
clients’ businesses. Your dedication to addressing client concerns and
providing value-added solutions will solidify long-term relationships.
- Advisory Role: Serve as a trusted advisor
by offering insights and tailored financial solutions that help clients
make informed decisions driving their business success.
- Referral Generation: Generate referrals
and positive word-of-mouth by exceeding client expectations. Your ability
to create advocates among your clients will contribute to the bank’s
organic growth.
- Dedicated Relationship Manager: Act as
the primary point of contact, providing clients with personalized
attention and support. Your availability and willingness to go the extra
mile will reinforce the bank’s commitment to exceptional client service.
Internal Business Process
- Your meticulous attention to internal
processes, compliance, and communication will be critical to maintaining
operational efficiency and managing risks effectively:
- Credit Documentation: Ensure credit
applications are complete, accurate, and in compliance with internal and
regulatory standards.
- Credit Analysis: Contribute to the credit
analysis process to provide valuable insights into clients’
creditworthiness and repayment capacity.
- KYC Compliance: Adhere to stringent KYC
documentation procedures to mitigate risks associated with money
laundering, fraud, and other financial crimes.
- Controls and Processes: Follow internal
controls and processes to contribute to operational efficiency and
regulatory compliance.
- Customer Communication: Maintain clear
and consistent communication with clients regarding banking transactions,
account activities, and relevant updates.
- Service Level Agreement: Consistently
meet or exceed service level agreements to ensure clients’ expectations
are met.
- Interdepartmental Coordination:
Collaborate effectively with internal departments to ensure seamless
execution of customer transactions.
Functional Responsibilities
- Your role extends beyond client
interactions to encompass strategic planning, risk assessment, and sales
strategy development:
- Project Support: Participate in project
proposals and support the bank’s innovation and growth initiatives.
- Sales Strategies: Develop and execute
sales strategies aligned with KPIs to impact portfolio growth and revenue
generation.
- Risk Assessment: Assess risks associated
with business decisions to support the bank’s risk management practices
and regulatory compliance.
- Reputation Management: Uphold the bank’s
reputation through ethical conduct and adherence to industry standards.
Job Specification
Academic
- Bachelor’s degree in Business, Finance,
Economics, Accounting, or Marketing.
Master’s degree is an added
advantage.
Professional Qualifications
& Experience
- Professional qualification in Credit
Analysis is an added advantage.
- Professional qualification in Sales is an
added advantage.
Desired Work Experience
- At least 5 years’ experience in a similar
role.
- Must have experience in Banking or
Business Banking.
How to Apply
