Banking jobs, Business-related jobs, Jobs in Kenya,
Branch Business Consultant -Personal Banking
Principle Accountabilities
Relationship Management & Customer Service
- Provide clients with personalized service to develop close relationships, achieve maximum profitable contribution for the client and the bank, and build client loyalty.
- Identify financial and non-financial requirements for clients by conducting a financial needs analysis.
- Ensure clients are aware of all financial services offered by the bank’s-drive full-service bank agenda.
- Use systems effectively for customer contact management, sales and service activity.
- Ensure delivery of service promises for improved customer satisfaction levels.
- Minimize client attrition.
- Ensure set Complaint Management processes are followed and TATs are met.
Business Development
- Source New Business from clients through referrals, marketing activities and personal contacts.
- Develop the customer base and expand the unit’s business growth through marketing of banking products and services.
- Enhance HFC personal Banking sales/ revenues and promote cross-selling of bank products to all existing clients.
- Achieve Revenue goals, Sales and Portfolio growth targets across a range of products and services.
- Achieve Product Holding per customer growth targets
- Ensuring revenue growth through customer acquisition, new need identification, product cross-sell and re-engineering increased product usage for existing clients.
- Participate in cross departmental customer calls for marketing initiatives.
- Drive segment-based focus products agenda and conduct branch product trainings.
- Complete training programs allocated in line with your Role.
Controls
- Ensure that the target market selection criterion is adhered to and that we are in full compliance with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements.
- Strong responsibility for ethical selling to customers with complete disclosure about products and services.
- Ensure Portfolio allocated is closely monitored and actions recommended are diligently executed.
- Ensure required approvals are obtained before authorizing payments.
- Monitor overdrawn accounts/ overdue loans and follow up for clients to regularize.
- Ensure accounts are not overdrawn without authorization.
- Adhere to set processes and procedures
Key Competencies and Skills
Technical skills
- Knowledge of Banking and Business Operations: Well round knowledge of ALL the Bank’s operations and processes and excellent knowledge of Bank policies and procedures
- Audit Standards and Legislations: Good knowledge of International Accounting and Audit Standards, and Legislations.
- Compliance and Regulatory Framework: Good understanding of the regulatory issues, reporting and operational requirement as provided by CBK, KRA, KIB, etc.
- Conceptual and Analytical Skills: Ability to quickly grasp and understand systems and keen to detail.
- Intricate understanding of products pertaining to customers both internal and external (competitors).
- Basic market knowledge of various investment vehicles / markets/ economics.
- Strong interpersonal skills and appreciation for diversity.
- Team player with ability to train, develop and mentor junior staff.
- Relationship Management skills.
- Networking Skills.
Personal attributes
- Communication and Interpersonal Skills: Ability to build rapport easily with customers, have well-developed oral and report-writing skills, and have the ability to work individually and as part of a team.
- Results and Achievement Oriented: strives to achieve results, enjoys measuring others, being measured, and being judged on performance standards.
- Personal Ethics: You must be honest, fair, just but firm with self, and of high integrity.
- Negotiation Skills: You must be a good negotiator, particularly in changing behavior and work practices, but always seek a win-win outcome.
- Amiable personality.
Minimum Qualifications, Knowledge and Experience
Academic Qualifications:
- Bachelor’s degree in a business-related field
IMPORTANT: Write a Perfect Cover Letter in minutes and start getting interviews! Get expert advice as you write.) Use These Examples Proven to Work.
Work Experience:
- Minimum 3 years’ experience in a similar job with a financial services institution.
Relationship Manager-Personal Banking
Principle Accountabilities
Relationship Management & Customer Service
- Provide clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank, and build client loyalty.
- Identify financial and non-financial requirements clients by conducting financial needs analysis.
- Ensure clients are aware of all financial services offered by the bank- drive full service bank agenda.
- Use systems effectively for customer contact management, sales and service activity.
- Ensure delivery of service promise for improved customer satisfaction levels.
- Minimize client attrition.
- Ensure set Complaint Management processes are followed and TATs are met.
Business Development
- Source New Business from clients through referrals, marketing activities and personal contacts.
- Develop the customer base and expand the unit’s business growth through marketing of the banking products and services.
- Enhance HFC personal Banking sales/ revenues and promote cross selling of bank products to all existing clients.
- Achieve Revenue goals, Sales and Portfolio growth targets across a range of products and services.
- Achieve Product Holding per customer growth targets
- Ensuring revenue growth through customer acquisition, new need identification, product cross-sell and re-engineering increased product usage for existing clients.
- Participate in cross departmental customer calls for marketing initiatives.
- Drive segment based focus products agenda and conduct branch product trainings.
- Complete training programs allocated in line with your Role.
Controls
- Ensure that the target market selection criterion is adhered to and that we are in full compliance with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements.
- Strong responsibility for ethical selling to customers with complete disclosure about products and services.
- Ensure the Portfolio allocated is closely monitored and actions recommended are diligently executed.
- Ensure the required approvals are obtained before authorizing payments.
- Monitor overdrawn accounts and overdue loans and follow up with clients to regularize.
- Ensure accounts are not overdrawn without authorization.
- Adhere to set processes and procedures.
Key Competencies and Skills
- Knowledge of Banking and Business Operations: Well round knowledge of ALL the Bank’s operations and processes and excellent knowledge of Bank policies and procedures
- Audit Standards and Legislations: Good knowledge of International Accounting and Audit Standards, and Legislations.
- Compliance and Regulatory Framework: Good understanding of the regulatory issues, reporting and operational requirements as provided by CBK, KRA, KIB, etc.
- Conceptual and Analytical Skills: Ability to quickly grasp and understand systems and keen to detail.
- Intricate understanding of products pertaining to customers both internal and external (competitors).
- Basic market knowledge of various investment vehicles/markets/ economics.
- Strong interpersonal skills and appreciation for diversity.
- Team player with ability to train, develop and mentor junior staff.
- Relationship Management skills.
- Networking Skills.
Minimum Qualifications, Knowledge and Experience
Academic Qualifications:
- Bachelor’s degree in a business related field
- Master’s Degree will be an added advantage
Professional Qualifications:
- Retail Banking Associate (RBA UK)
- CISI Certified Level 1 will be an added advantage
Work Experience:
- Minimum 3 years’ experience in similar job with a financial services institution.
Method of Application
Use the link(s) below to apply on company website.