Relationship Manager, SME - Mombasa Branches

Gulf African Bank

Relationship Manager, SME - Mombasa Branches

• Job Type Full Time
• Qualification BA/BSc/HND
• Experience
• Location Mombasa
• Job Field Banking

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 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.
• 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.