Relationship Officer
Department: Branch Banking
Reports to: Branch Manager
JOB
PURPOSE
Responsible for the
effective management, control and marketing of the Banks Product portfolio
within the branch, in line with the Bank’s policy, to ensure growth of the
balance sheet and revenue.
Duties & Responsibilities
Strategic input and planning:
- Contributes to the completion of
the branch operational plan by preparing and implementing an individual
business plan that encompasses strategies for performance on branch growth
objectives.
- Prepares a personal action plan
that contributes to the overall branch budget.
Sales & Business Development:
- Full responsibility for all
product lines and all sales and business development.
- Develop business opportunities
and monitor business’s activities in line with the Bank’s long-term
strategic and annual business plans and ensure that the branch remains
competitive and promptly reacts to changing market conditions and customer
needs.
- Develop a focused relationship
management approach, which increases the branch ability to increase the
flow of business and generate deposits, lending and revenues from existing
and new customers in line with the enterprise strategy.
- Ensure full compliance with the
Bank’s Credit Policy, Central Bank of Kenya guidelines and appropriate
provisions of the Banking Act with respect to lending.
- Enhance relationship marketing
and management – to establish, maintain, and enhance relationships with
customers and other partners, at a profit, so that the both the customer
and bank objectives are met achieved by a mutual exchange and fulfillment
of the brand promise.
- Actively market and develop the
banking products to existing and prospective clients to grow the wallet
share.
- Continuously conduct market
research and competitor analysis to identify new business opportunities.
- Manage relationships of key accounts
while tapping on their share wallet through cross selling and upselling.
- Business development through
recruiting new key accounts while harnessing their value chains.
- Maintain a comprehensive
understanding of the customers’ business plans, financial projections and
support requirements.
Strategic Marketing
- Enhance creation by creating,
communicating, delivering, and offering solutions that have value for
customers, shareholders and partners.
- Build the Sidian Bank Brand to
ensure that the bank is top of mind as an enterprise bank.
- Understand and provide clear
direction to the branch based on market analysis of local area consumer
trends and competitor offerings.
- Support product specialists and
the sales teams in marketing of initiatives and other products to local
businesses.
Strategic customer experience
- Key driver for not only customer
satisfaction, but building a base of promoters by enhancing positive
customer experience and advocacy to drive competitive advantage, leading
to faster organic growth and lower cost.
- Link sales and service and embed
customer service culture as the bedrock to grow the balance sheet.
Branch Operations:
- Support branch operations as
assigned by the Branch Manager to manage leave and other emergency
situations.
Compliance:
- Contributes to the flow of staff
communications, by attending regular staff meetings – morning huddles and
weekly progress meetings.
- Adherence to dress code, code of
conduct and HR policies and procedures and follows laid down grievance and
disciplinary procedure to ensure a conducive work environment.
- Monitor and ensure compliance of
facility covenants to ensure performance and profitability.
- Provide regular call reports for
all facilities to enhance our Monitoring & Evaluation.
- Monitor service delivery to bank
customers to ensure high levels of efficiency and effectiveness.
- Ensure compliance with both
internal and external regulatory requirements.
- Work closely with risk and
compliance units to ensure effective controls to mitigate against
operational and business risks.
- Ensure implementation and
compliance with operational policies and procedures, AML/CFT Policies.
- Compliance to the Environmental
Social Management (ESM) policy and procedure in day to day business.
DECISION
MAKING AUTHORITY
- Customer onboarding as per policy
- Portfolio management as per policy
- Credit appraisal and debt
monitoring for accounts in PAR or NPL as per policy
- KYC compliance as per policy
Qualifications
University degree or above
in a relevant business discipline e.g. business administration or finance
WORK EXPERIENCE
At least 3 years’
experience in retail banking and/or commercial banking including a minimum of 1
years sales experience.
Skills & Competences
- Sound knowledge of Retail
Banking/SME products, services and processes together with exposure in
retail banking branch operations or customer service delivery.
- Profound understanding of retail
market, key competitors and offerings as well as our competitive edges to
win quality customers.
- Thorough understanding of CBK
regulatory framework and pertinent regulations impacting corporate
customers.
- Strong leadership, marketing,
sales and management skills.
- Highly effective communicator
with excellent interpersonal and motivational skills.
- Solid performance management and
motivational skills.
- Excellent relationship building
and stakeholder management skills.
- Strong managerial, planning,
analytical, decision-making, lateral thinking and project management skills
PROFESSIONAL
CERTIFICATION REQUIRED
- Diploma in Banking –
AKIB/ACCA/CPA (K)
How to Apply
Apply by: 31st Dec, 2022