Relationship Manager - Public Sector job at KCB Bank

KEY RESPONSIBILITIES:

Business development – managing and retaining existing relationships and generating new business in the assigned market segments by providing core banking products and services. This will include increase customer base, growth in balance sheet (assets/liabilities & contingent liabilities- mainly in LCY), growth in earnings, increased facility utilization and actively cross-selling bank products and services.

Relationship management - Adequacy of personal competence to effectively perform Account Relationship Management tasks to ensure the customer relations are maintained well to reduce complaints and also retain existing customers by management of customer expectations.

Develop strategies for maintaining and further penetrating existing client base and execute the strategy through calls, visits, needs assessment, account plans, customer qualification and follow-up meetings to maintain, enhance and expand customer relationships

Risk Management - Consistency in adherence to and application of established policies, processes, and tools to achieve optimal efficiency, compliance and cost containment. Minimization of exposures to and impact of risks associated with client portfolio in line with Bank credit policies, BOU regulatory requirements, KYC and AML policies.

Ensure timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements.

Maintain the quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters.

Ensure timely preparation of relevant reports and daily monitoring of accounts to ensure facilities have accurate interest rates, are within the approved limits, and taking remedial actions in line with policy.

Ensure compliance to the Bank’s policies, procedures and regulatory requirements.

Prepare and submit weekly, monthly and quarterly administration and business performance reports.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

a. Academic & Professional

Bachelor’s Degree in a Business related field is required.

Master's Degree in a Business related field is an added advantage

b. Experience

Minimum of 5 Years Experience preferably in Relationship Management, Sales, Credit analysis, Banking Operations and Customer service.

• Business development – managing and retaining existing relationships and generating new business in the assigned market segments by providing core banking products and services
• Increase customer base, growth in balance sheet (assets/liabilities & contingent liabilities- mainly in LCY), growth in earnings, increased facility utilization
• Actively cross-selling bank products and services
• Relationship management - effectively perform Account Relationship Management tasks to ensure customer relations are maintained well to reduce complaints
• Retain existing customers by management of customer expectations
• Develop strategies for maintaining and further penetrating existing client base
• Execute strategy through calls, visits, needs assessment, account plans, customer qualification and follow-up meetings
• Maintain, enhance and expand customer relationships
• Risk Management - adherence to and application of established policies, processes, and tools
• Minimization of exposures to and impact of risks associated with client portfolio
• Ensure timely submission of quality credit proposals in conformity with Credit Policy guidelines
• Maintain quality of assigned portfolio within stipulated Non-Performing Loans (NPL) and Portfolio at Risk (PAR) parameters
• Ensure timely preparation of relevant reports and daily monitoring of accounts
• Ensure facilities have accurate interest rates, are within approved limits, and take remedial actions
• Ensure compliance to Bank’s policies, procedures and regulatory requirements
• Prepare and submit weekly, monthly and quarterly administration and business performance reports

• Relationship Management
• Business Development
• Sales
• Credit Analysis
• Banking Operations
• Customer Service
• Risk Management
• Compliance
• Report Preparation

• Bachelor’s Degree in a Business related field is required
• Master's Degree in a Business related field is an added advantage