Gulf African Bank is hiring a Relationship Manager, SME to grow the SME customer portfolio, and build and maintain client relationships. The role is based in Nairobi and experience in managing clients is required.
Key Responsibilities:
Acquisition:
Business Development
- To ensure growth of Branch SME portfolio (NFI, deposits and assets)
through the acquisition of new to Bank customers through the Business
sales officers 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
- To effectively manage and expand the relationships with existing SME
banking clients and bringing in new partnerships from existing portfolio
so as to ensure business growth and continuity
Portfolio
Profitability (Cross-Sell & Retention)
- Grow SME customer 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
- Ensure customers are notified of maturing fixed deposits for
appropriate action and encourage retention
- 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
- Assist in growth of given portfolio through the use of desired
channels such as the SME Business Hubs/ digital platforms i.e. B2 B
- 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. Gab
Pesa, Internet banking
- Ensure Product Per Customer of 5 across the portfolio
- Understand nature of businesses, their life-cycles and the various
product offerings that can be given to the customer.
- Evaluate credit proposals and ensure the credit applications process
on a timely basis within the Bank’s set turnaround times.
Customer
Service and customer information
- Obtaining account opening documentation from new customers
- Opening of accounts for customers in the system and ensuring minimum
required information is captured and customer given a CIF number.
- Following up with customers in the portfolio for missing information
- Maintaining/ Updating customer data on parameters such as Business
turnover/ directors details etc.
- Ensure all customer engagements are recorded accordingly
Compliance
- Ensure compliance with both internal and external regulatory
requirements (KYC, AML and other bank processes.
- Continuously follow business operational and credit policies
ensuring their compliance.
Qualifications and
Experience:
- Bachelor’s degree in any field
- At lease 2-3 years experience in managing clients
- Excellent interpersonal skill
- Excellent communication and presentation skills
Job specific competencies:
- Deciding and Initiating Action
- Delivering Results and Meeting Customer Expectations
- Entrepreneurial and Commercial Thinking
- Persuading and Influencing
- Planning and Organizing
- Presenting and Communicating Information
- Relating and networking
- Working with people
How to Apply
