Relationship Manager, SME – Mombasa Branches
Full time @Gulf African Bank posted 12 hours ago in Business and Finance Shortlist Email JobJob Detail
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Career Level Manager
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Experience 4 Years
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Industry Finance/Banking
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Qualifications Degree Bachelor
Job Description
Job Purpose:
- To achieve business growth in the SME 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.
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 generate referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entities.
- 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 touchpoints – 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., B2B
- Prepare and submit 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.
- Ensure compliance with all applicable laws and regulations, as well as with the Bank’s internal policies and procedures while executing assigned duties and responsibilities.