Relationship Manager - Asset Financing

The Person:

• The ideal candidate must possess the following:
  

Qualifications:

• Bachelor’s degree in commerce/business related field.
  
• Banking qualifications, CPA’s or an equivalent
  
• Master’s degree will be an added advantage
  
• A minimum of five (5) years relevant banking experience with a bias in relationship banking and customer focussed
  
• Excellent credit skills
  
• Ability to conduct thorough credit request appraisal.
  
• Ability to manage people to achieve specific results.
  
• An understanding of the Banking Act and Central Bank of Kenya (CBK) prudential guidelines.
  

• Proactively identify and recruit Asset Finance customers within the designated Region.
  
• Build, consolidate and maintain excellent relationship with Asset Finance customers.
  
• Identify, establish and maintain excellent relationship with Asset Finance Strategic Partners in respective Regions.
  
• Undertaking a relationship review/assessment at least twice a year to determine and address:
  • Customer satisfaction
    
  • Risk/credit review
    
  • Product usage and cross-sell penetration
    
  • Needs gap analysis
    
  • Multi-banked situation, if any.
    
• Responsible for quality portfolio management for the following:
  • Renewal of Insurance Premiums before expiry
    
  • Growth of the Asset Finance Loans
    
  • Maintaining PAR below the Sector Industry Rate
    
  • Maintaining an NPL below the Sector Industry Rate
    
• Organise for educational seminars/workshop for existing and prospective customers in lieu of enhancing customer loyalty.
  
• External environmental scanning to assess the relevant economic and County trends, legislative and regulatory influences, key suppliers, markets, customers, competitors that may affect the Asset Finance customer’s business.
  
• Conduct competitor analysis in the Region and in the Industry and advise the business to review the current pricing and product offering to remain competitive and relevant.
  
• Cross sell and advise on the appropriate product uptake based on the customer supply chain.
  
• Responsible for the growth of Asset Finance loans in the Bank.