The RM Home Loans is accountable for the growth of the Bank’s mortgage business through sales, service and retention of a mortgage portfolio and ensure portfolio quality in line with the department’s targets and the Bank policies.

He/she will offer mortgage customers banking and financial advisory services to achieve sales performance against targets, examine growth opportunities, enable sales improvements & product mix development

Key Responsibilities: Must Not Be More Than 10

• Maintain relationships with customers and ensure that services delivered meet client expectations.
• Assess credit requests in conjunction with the credit department in line with the banks credit standards, policies, procedures, and practices and recommend action to the credit department and committee.
• Initiate and coordinate development of action plans to penetrate new markets.
• Perform, promote, and maintain the highest standards of customer service to maximize returns from existing relationships.
• Develop and implement business growth strategies to grow the mortgage portfolio including developing direct customer contact and relationships with account holders.
• Carry out sales visits to existing & potential top clients, identify sales leads, and report on your home loan portfolio.
• Handle customer queries and complaints and resolve them in a timely manner and escalate any unresolved queries in line with the Customer Service Charter.
• Any other duty as maybe assigned by the bank.

INTERACTS/INTERFACES WITH:

 Internal:

• Assistant Relationship Managers
• Branch Team
• Credit Team
• Diaspora Team
• Corporate Team

 External:

• Key Customers
• KCB Business Partners

Financial Responsibility:

• Responsible for home loans sales & financial targets as will be agreed using different parameters especially on customer numbers, liabilities, assets, and revenue growth.

Minimum Position Qualification Requirements:

 For the above position, the successful applicant should meet the following criteria,

Academic & Professional:

• Bachelor’s Degree – Finance, Commerce, Business Administration, Economics, Statistics, management, or any relevant field.
• Professional Qualifications
• Master’s Degree

Skills & Experience:

• Relevant Practical training in business growth in the financial services sector.
• Must have critical thinking, analytical, attention to detail and problem-solving skills.
• Good communication skills both verbal and written.
• A minimum of 3 years’ experience in a Banking or similar environment
• Must have a good understanding of Mortgage financing with proven practical experience.
• Advanced, computer literacy, numerical skills, and statistical skills.
• Interpersonal relationship skills, Assertive, “self-starter” personality that is energetic and a natural net worker.
• Team player, ability to work under pressure and in position to exercise excellent judgment.

Business Behaviors:

• The ability to communicate clearly both verbally and in written form in a professional manner is deemed essential.
• Ability to build functioning working relationships across organizational and cultural boundaries.
• Takes clear accountability and focuses on delivery of broader sales targets.
• Ability to demonstrate positive image and role model KCB’s values and leadership behaviors.
• Must be a person of impeccable integrity.

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