Relationship Officer – Corporate Banking

Qualifications and Competencies

• Should possess a bachelor’s degree in commerce or a business related field. Possession of professional banking qualifications such as AKIB, ACIB or CPA will be an added advantage.
  
• Should have a minimum of four years’ relevant working experience in banking.
  
• Should possess strong credit risk management skills.
  
• Should have strong customer service orientation and commercial awareness.
  
• Should have excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
  
• Should have good knowledge of the Central Bank of Kenya Prudential guidelines and also the Bank’s KYC policy
  

• Call existing and prospective customers to develop new business and to match their business needs with the products and services being offered by the Bank.
  
• Provide customer service to existing and potential customers through follow-up to develop new business and promote Bank’s products and services.
  
• Market for real estate business and support branches in analyzing applications for real estate financing.
  
• Visit and assess possible needs for the client or cross selling opportunities and provide financial solutions and ensure value chain maximization.
  
• Assist the Relationship Manager(s) in handling the administrative part of managing client relationships.
  
• Carry out credit appraisal and risk analysis of proposals forwarded to the Corporate Banking Department and make specific recommendations.
  
• Follow up on disbursements as per approved conditions.
  
• Carry out credit administration duties regarding accounts within portfolio and provide continuity in relationship management.
  
• Make timely responses to clarifications sought by Credit Department on applications forwarded to them and maintain close follow up to ensure early decisions.
  
• Review performance of customer facilities and make appropriate recommendations regarding non-performing facilities.
  
• Maintain close follow up on client businesses facing loan repayment difficulties and, in conjunction with the Relationship Managers and Head of Corporate Banking develop measures for rehabilitation and/or recovery of debts.
  
• Check the revenue payable to Bank by customers to ensure that proper rates/charges are applied.