JOB TITLE: RELATIONSHIP OFFICER (Coast Region)
 
JOB PURPOSE
Responsible for the effective management, control and marketing of the Banks Product portfolio
within the branch, in line with the Bank’s policy, to ensure growth of the balance sheet and revenue.
 
KEY RESPONSIBILITIES AND ACTIVITIES
Strategic input and planning:
  • Contributes to the completion of the branch operational plan by preparing and implementing an
    individual business plan that encompasses strategies for performance on branch growth
    objectives.
  • Prepares a personal action plan that contributes to the overall branch budget.
 
Sales & Business Development:
  • Full responsibility for all product lines and all sales and business development.
  • Develop business opportunities and monitor business’s activities in line with the Bank’s long-term
    strategic and annual business plans and ensure that the branch remains competitive and
    promptly reacts to changing market conditions and customer needs.
  • Develop a focused relationship management approach, which increases the branch ability to
    increase the flow of business and generate deposits, lending and revenues from existing and new
    customers in line with the enterprise strategy.
  • Ensure full compliance with the Bank’s Credit Policy, Central Bank of Kenya guidelines and
    appropriate provisions of the Banking Act with respect to lending.
  • Enhance relationship marketing and management – to establish, maintain, and enhance
    relationships with customers and other partners, at a profit, so that the both the customer and
    bank objectives are met achieved by a mutual exchange and fulfillment of the brand promise.
  • Actively market and develop the banking products to existing and prospective clients to grow the
    wallet share.
  • Continuously conduct market research and competitor analysis to identify new business
    opportunities.
  • Manage relationships of key accounts while tapping on their share wallet through cross selling
    and upselling.
  • Business development through recruiting new key accounts while harnessing their value chains.
  • Maintain a comprehensive understanding of the customers’ business plans, financial projections
    and support requirements.
 
Strategic Marketing
  • Enhance creation by creating, communicating, delivering, and offering solutions that have value
    for customers, shareholders and partners.
  • Build the Sidian Bank Brand to ensure that the bank is top of mind as an enterprise bank.
  • Understand and provide clear direction to the branch based on market analysis of local area
    consumer trends and competitor offerings.
  • Support product specialists and the sales teams in marketing of initiatives and other products to
    local businesses.
Strategic customer experience
  • Key driver for not only customer satisfaction, but building a base of promoters by enhancing
    positive customer experience and advocacy to drive competitive advantage, leading to faster
    organic growth and lower cost.
  • Link sales and service and embed customer service culture as the bedrock to grow the balance
    sheet.

Branch Operations:

  • Support branch operations as assigned by the Branch Manager to manage leave and other
    emergency situations.
 
Compliance:
  • Contributes to the flow of staff communications, by attending regular staff meetings – morning
    huddles and weekly progress meetings.
  • Adherence to dress code, code of conduct and HR policies and procedures and follows laid down
    grievance and disciplinary procedure to ensure a conducive work environment.
  • Monitor and ensure compliance of facility covenants to ensure performance and profitability.
  • Provide regular call reports for all facilities to enhance our Monitoring & Evaluation.
  • Monitor service delivery to bank customers to ensure high levels of efficiency and effectiveness.
  • Ensure compliance with both internal and external regulatory requirements.
  • Work closely with risk and compliance units to ensure effective controls to mitigate against
    operational and business risks.
  • Ensure implementation and compliance with operational policies and procedures, AML/CFT
    Policies.
  • Compliance to the Environmental Social Management (ESM) policy and procedure in day to day
    business.
 
DECISION MAKING AUTHORITY
  • Customer onboarding as per policy
  • Portfolio management as per policy
  • Credit appraisal and debt monitoring for accounts in PAR or NPL as per policy
  • KYC compliance as per policy
 
ACADEMIC BACKGROUND
  • University degree or above in a relevant business discipline e.g. business administration or
    finance
 
WORK EXPERIENCE
  • At least 3 years’ experience in retail banking and/or commercial banking including a minimum of
    1 years sales experience.
 
SKILLS & COMPETENCIES
  • Sound knowledge of Retail Banking/SME products, services and processes together with exposure
    in retail banking branch operations or customer service delivery.
  • Profound understanding of retail market, key competitors and offerings as well as our
    competitive edges to win quality customers.
  • Thorough understanding of CBK regulatory framework and pertinent regulations impacting
    corporate customers.
  • Strong leadership, marketing, sales and management skills.
  • Highly effective communicator with excellent interpersonal and motivational skills.
  • Solid performance management and motivational skills.
  • Excellent relationship building and stakeholder management skills.
  • Strong managerial, planning, analytical, decision-making, lateral thinking and project
    management skills
 
PROFESSIONAL CERTIFICATION REQUIRED 
  • Diploma in Banking – AKIB/ACCA/CPA (K)

 

HOW TO APPLY  Fill in the job application form below.