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Relationship Manager – Commercial Banking
Job Purpose
- The job holder will develop the sales plans in line with overall Commercial Business Plans and the business plans of different customers managed by the Commercial Banking segment. Additionally, he/she will ensure that product revenue and profitability targets are achieved / exceeded.
Key Responsibilities
- Ensuring that product revenue and profitability targets are achieved / exceeded by understanding the customer’s business and to anticipate the requirements through a consultative selling process.
- Matching the customer’s needs with product capabilities through presentation of tailored demonstrations and proposals.
- Negotiating/renegotiating terms and conditions with customers to maximize revenue and profitability.
- To identify opportunities for cross selling and referrals to other Banking lines through developing a good understanding of client needs
- Providing structured solutions to meet the specific cash management requirements of our customers and prospects.
- Undertaking a disciplined product-oriented sales management process while monitoring, tracking, and reporting on sales activity on a periodic basis and to ensure action is taken to meet sales targets.
- Assisting the product management and development in strategic product rollouts.
- Support customers’ seeds, trends, and product/market intelligence for new product developments/enhancements, strengthening competitive position.
- Facilitate customer service issues and ensure a high level of post sales service is always made available to the clients.
- Any other duties may be assigned by the team leader from time to time.
Job Specification
- Bachelor’s degree in Business Management or related field from a recognized university.
- Minimum of Seven (7) Years Banking experience with at least 3 years in business development for Corporate/commercial segment.
- Excellent financial acumen & analytical thinking skills
- Excellent sales and marketing skills
- Strong interpersonal skills
- In depth knowledge of commercial banking products
- Excellent sales and marketing skills
- Sharia Foundations & principles of Islamic finance will be an added advantage.
Relationship Manager – Business Banking
Job Purpose
- The Job holder will manage, develop, and grow the SME customer portfolio assigned and acquire new to bank customers for the growth of the Bank’s portfolio while ensuring the achievement of assets, liabilities and non-funded product targets, profitability objectives, and implementation of superior customer service culture and standards in adherence to Bank’s policies and guidelines.
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.
- Identify the segment target market to broaden the portfolio and pursue growth opportunities towards on boarding of the new clients.
- Ensure the overall credit quality of the asset book is 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.
- Maintain complete control aspects i.e., documentation, periodical customer visits / call reports, 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 relatedissues.
- Ensure high performance culture and delivery of professional and quality customer service.
- Monitor customer complaints, approaching complainant personally where required to ensure prompt resolution.
- 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.
- Any other duties may be assigned by the team leader from time to time.
Job Specification
- Bachelor’s degree in Business Management or related field from a recognized university.
- A professional qualification in Banking, Finance or Accounting will be an added advantage.
- Minimum of Seven (7) Years Banking experience with at least 3 years in business development for SME/Retail segment.
- Excellent financial acumen & analytical thinking skills
- Strong interpersonal skills
- Excellent sales and marketing skills
- In depth knowledge of commercial banking products.
- Sharia Foundations & principles of Islamic finance will be an added advantage.
Method of Application
Please send your CV and cover letter to careers@dibkenya.co.ke by COB, 10th November 2023, Quoting The role title as the Subject of the email application. Canvassing will lead to automatic disqualification. Interviews will happen on a rolling basis.