Assistant Relationship Manager

To grow and maintain a healthy personal banking portfolio (personal loans, accounts, and e-products) and to act as a reliable point of contact for new and existing personal banking customers. Ensure that the customers’ banking needs are identified and fulfilled efficiently and cost-effectively, while managing risks associated with new accounts, loan portfolio, account mandates and related process flow.

Key Responsibilities

Create and Manage client relationships and accounts to minimize attrition.

• Sourcing for new personal and SME banking business opportunities in coordination with the sales team and other units.

• Adherence to KYC and AML policies and procedures.

• Cross sell bank products including assets, liability, and electronic banking products.

 

• Initiate personal and SME loans applications and ensure good underwriting practices.

• Prepare and submit relevant reports.

• Managing personal and SME banking portfolios and monitor daily branch budget for all accounts.

• Sales calls and market intelligence gathering.

• Monitor overdrawn, inactive, dormant and zero balance accounts and initiate relevant reports.

• Receive and solve or escalate both verbal and written customer complaints as well as update complaints register.

• Any other duties that may be allocated from time to time.

• Risk profiling of potential clients and ensure adherence to KYC and AML policies and procedures

 

Daily Responsibilities

· Customers successfully enrolled, utilizing, and enjoying e-channels.

· Increased profitability because of quality growth in market share.

· Increased cross-sale ratios.

· Good audit and compliance report findings in relation to KYC.

· Retention of satisfied, well-informed customers.

· Increased uptake of personal lending in the branch.

Requirements:

· A degree or post graduate degree (Business and/or Finance related)

· Good understanding of personal banking products, banking policies and procedures

· Sound knowledge of the KCB bank products and processes such as account opening and KYC documentation.

· Credit knowledge including understanding and interpretation of financial statements.

· Understanding of behaviour and application scoring systems and how to use relevant scoring software.

· Understanding risk management principles, credit scoring principles and procedures.

· Possession of fine underwriting skills and good understanding personal credit processes.

· Understanding of competitors and their products and services.

· Attend relevant courses and e-learning sessions.

· Good understanding of existing customer profiles.

· The candidate should possess the following interpersonal competencies:

Organized, proactive, Innovative, reliable, empathetic, persuasive, good team player, decisive, result oriented, energetic, active, with integrity and culturally sensitive.

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