Careers banner

Relationship Manager – Business Banking

Key Responsibilities

  • Deliver the revenue and balance sheet targets assigned by identifying and maintaining  target customers/ customer segments within each catchment area.
  • Manage the profitability of product portfolios and customers as well as  improve the profitability through increased fee income generation.
  • Ensure the overall credit quality of the asset book within acceptable limits.
  • Review the overall portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
  • Obtain audited financial statements, analyze and recommend credit proposals of potential borrowers to the approving authority to meet financial objectives.
  • Maintain complete control aspects i.e., documentation, periodical customer visits / call reports, expires on monthly manner in order to monitor the assigned portfolio effectively and to ensure all statutory and controls for the business processes
  • Manage assigned relationships to ensure satisfactory account conduct and early ratification of various credit related issues.
  • Undergo an annual review process on the assigned portfolio to maintain strict credit discipline. 
  • Identify the segment target market to broad – base the portfolio and pursue growth opportunities towards on boarding of the new clients.
  • Ensure high performance culture and delivery of professional and quality customer service.
  • Monitor customer complaints, approaching complainant personally where required to ensure prompt resolution.
  • Ensure follow ups on exception report with regard to returned Cheques and call for explanation from customer where necessary.
  • Ensure follow ups on deficiency reports.
  • Ensure timely & accurate submission of regular & adhoc management reports.
  • Ensuring all portfolio monitoring/management processes & measures are undertaken regularly and on an on-going basis and all credit files are properly maintained with a view to achieving good audit rating

Education:

  • Bachelor’s Degree in Business Management/ Finance/ Accounting/ Economics/ Marketing or equivalent.

  • Certification or Degree or Diploma in the relevant area

Training/Skills

  • Credit knowledge and marketing skills.
  • Functional Policies and Procedures.
  • Relevant Product Knowledge.
  • Knowledge of banking practice and theory and bank’s credit policy and operating systems.
  • Compliance and Regulatory requirements knowledge for each of the products.

Work Experience :

  • Minimum 5 years’ experience in banking, with at least 2 years in managing medium-large commercial portfolio at senior levels in well-established and recognized financial institutions.

Competencies:

  • Analytical thinking.
  • Problem solving skills.
  • Communication skills.
  • Customer Focus.
  • Selling Skills.
  • Foundations & principles of Islamic finance.

To apply, send your CV and cover letter to careers@dibkenya.co.ke quoting Ref. No. BB/RM/0015/20 as the Subject of the email application.