2 jobs in Gulf African Bank
Relationship Manager- SME
Posted today
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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 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 Fulfilment 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
Key Relationships:
Internal
- Central office – Centres of excellence
- Branches
- Business Banking Sales Officers (BSOs)
- Digital team
External
SME Clientele – All clients
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Assistant Relationship Manager – Institutional Banking
Posted today
Job Viewed
Job Description
Job purpose
- Job holder will be responsible for the organic growth of Institutional Banking business through relationship deepening and ecosystem extraction in the assigned portfolio of customers.
- Manage day-to-day administrative and operational matters relating to Institutional Banking Customers.
- Deliver on the agreed NFI revenues through enhancement of transactional volumes
Key Responsibilities:
Business Development
- Drive growth of NFI through cross selling of the bank's products to existing and potential customers.
- Develop a rich database of established clients and a clear plan for growth in number of accounts and deposits
- Service Excellence-Manage Attrition of clients leaving the Bank by ensuring customer service satisfaction and retention as well as promptly responding to customer queries.
- Relationship Management; Being the link between the existing Institutional clients and the Bank on matters relating to the administration of the portfolio.
- Provide excellent, timely and professional service to the Bank's clients in addition to providing prompt feedback from them to the Bank for immediate action where possible and at the same time avoid any case of misseling/ misrepresentation.
- Participating in Market awareness programs for the Bank, this includes market activations, sales promotions, product launches, et al.
- Ensure compliance matters in respect to Institutional Banking is addressed effectively and expeditiously
Compliance:
- Ensure full compliance on the KYC policies and procedures as well as the rules and guidelines set by the regulator.
- Ensure compliance with the Bank's code of Ethics.
- Ensure compliance with internal regulatory requirements particularly with regards to asset facilities processing.
Other
Safeguard and promote the bank's image both internally and externally.
Qualifications and Experience
- University Degree from a recognized institution with a bias in business studies/ Marketing.
- Must have at least five (5) years' banking experience and at least 1-year relationship management or customer experience.
- Cross-cutting experience in customer service, business and operations will be an added advantage.
- Must possess sound knowledge of Bank products
- Must Have good interpersonal skills and portray teamwork capacity
- Must be self-driven and very aggressive
- Must be confident, eloquent and presentable.
- Must have excellent presentation and negotiation skills.
Functional Competencies Required for this Role
- Must possess excellent selling skills with a proven track record.
- Emotional Intelligence; Dynamic, individual with the ability to work under pressure
- Strong networking skills, for both internal and external networks
- Relationship Management skills with excellent interpersonal, communication and presentation skills.
- A passion for performance and achievement in a competitive and dynamic environment
- Hardworking, strategically minded individual with excellent leadership, organizational, and planning skills
- Commercial awareness and customer focus.
- Pleasant, honest outgoing, well-groomed and self-driven
Key Relationships
-Branches, Operations, Risk & Compliance
- Direct Reports to this position-
None
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