JOB TITLE: BUSINESS RELATIONSHIP MANAGER (BRM)

JOB REPORTING TO: HEAD OF CREDIT AND BUSINESS BANKING

DEPARTMENT: CREDIT AND BUSINESS BANKING

TYPE OF CONTRACT: PERMANENT

JOB PURPOSE

• To aassist Head of Credit and business banking to develop, plan and execute diversified business growth strategy.
• To acquire new business while deepening existing business relationships to ensure business retention, more revenues and efficiency
• To acquire new business and manage existing business relationships with investors and customers focusing on co-operatives, SMEs, MSEs and retail segments
• To assist Head of Credit and Business Banking reviewing of bank products and development of new products of the Bank.
• To provide Leadership to the business banking team identifying talents, coaching, mentoring and training subordinates to deliver productivity
• To manage relationships and reputations of the bank with the key stakeholders, investors, cooperatives and Government entities.

NUMBER OF SUBORDINATES

None

OWN PRINCIPAL ACCOUNTABILITIES

• Business Relationship Manager is accountable for the following roles and responsibilities:
• Manage and acquire diversified business lines, Deposit and loans growth, accounts opening, interest and non-interest income and retain existing and potential customers.
• Manage growth (in number and value) and quality loan portfolio within agreed and budgeted volumes year by year.
• Preparation of Credit Appraisal Reports for credit application packages that fall under head office limit.
• Present analysis, findings, and recommendations to Head of Credit and Business Banking, especially findings that involve a borrower’s ability to repay.
• Ensure all borrowers are searched on credit reference bureaus and their reports are assessed thoroughly.
• Daily monitoring of Credit Portfolio and share report with Branches and follow-up to combat delinquencies.
• To identify and monitor problem loans and possible delinquent facilities for further action.
• Actively pursue and engage doubtful customers and those in arrears, so that all avenues are explored before marking the loan as substandard or doubtful.
• Immediate follow-up of accounts in arrears for closure.
• Recommendations to Head of Credit and Business Banking down-grading of accounts in arrears, charge off, re-assessment of securities and documentation.
• Ensuring all files and credit records are in order.
• Manage and deliver business and financial performance consistently within the set business objectives and projected profitability, efficiency and productivity ratios.
• Ensure that the operational expenditure is well managed within the approved budget to deliver efficiency and cost-effectiveness.
• Ensure business risk management, adherence to governing tools and effective controls policies and procedures are at all-time adhered to and all variances are timely reported
• Review and act on Financial and MIS reports for quick and objective decisions and projections of business growth and addressing challenges
• Undertake business process review and streamlining to address bottlenecks and deliver fast turnaround time for credit processing and approval
• Manage and deliver exceptional customer services and experience to meet customers’ satisfaction with agreed
• Turnaround time (TAT) and SLAs and KCBL service charter and values
• Manage, oversee and resolve all requests, inquiries and complaints that arise from customers and stakeholders within acceptable TAT.
• Any other duties as may be assigned by Head of Credit and Business Banking and/or higher authority.

EDUCATION REQUIREMENTS

EXPERIENCE, KNOWLEDGE AND SKILLS REQUIRED

• Holders of First Degree in Business Administration, Marketing, Public Relation, Economics, Finance or any other relevant professional qualifications from any recognized University.
• Master degree, CPA, CPB is an added advantage.

Experience Required:

• Person with 5 years and above experience in banking industry or other reputable institutions with practice in areas of Marketing/Sales, Customer Relationship and Management.

Knowledge required:

• In-depth knowledge of sales tactics, operations, business management, relationship management and customer services competencies
• Good interpersonal skills and ability to multitask delivering results
• Demonstrate leadership capabilities and business acumen
• Analytical and presentational skills and ability to work well under pressure with strict deadlines and limited supervision

  Skills required:

Technical skills:

• Risk analytical and thinking.
• Strong written communication skills
• Being well versed with software/technology used in finance/banking.
• Basic MS-Word and Excel skills

Behavioral skills:

• Attention to detail and diligence
• Problem solving aptitude
• Ability to effectively manage competing deadlines for applications in a high-pressure work environment, with varying degrees of supervision.
• Time management.
• Ability to multi-task activities

COMMUNICATION & INTERACTION

Internal

• Branches.
• Finance and Administration Department.
• Audit and Risk Department.
• Department of ICT (For technical support).

External

• Customers.
• Auditors and Examiner.
• Valuers.
• Auctioneers and Debt Collectors.

How to Apply

Send Your application letter and CV to Email: [email protected]

Deadline : 18th February 2024