Business Banker – Micro & Group Relations – Githurai
- Manage relationships for all Groups and business clients across branch network through attendance of the weekly monthly and other meetings,
- Work closely with the Social Development Officer, Social services offices at county level, market opinion leaders and other registration bodies to acquire and on-board new customers
- Advise the Groups and Non-business Organization on financial matters, registration, investments, loan processes etc.
- Mobilize cheap and stable deposits through investment groups, (formal/Informal Groups) and Non-business organizations.
- Market new MSME business from the individual clients borrowing under group lending model as well as investment g The holder will offer training and advice customers on all group lending business.
- Call leads provided to ensure relationship management for existing customers and new customers to increaseproduct holding and wallet share through cross selling.
- The holder will also receive, and appraise all loan applications, prepare and present credit proposals, followup & recover loans and attend any other duties:
- Manage and grow quality loan book.
- Manage acceptable asset/deposit ratio for the segment.
- Manage acceptable cost of funds for the segment.
- Facilitate growth of Deposits and Non-Funded Income through alternative channels.
Responsibilities
Business Growth and Development:
-
- Support and advise Groups to meet the KYC requirements regarding registration documentation and account opening.
- Ensure that the specific needs of the Group/Members / Non-Business Organizations are captured and addressed appropriately by the bank.
- Entrench account utilization, build a portfolio of cheap deposits and loan book from Groups / Non-Business Organizations.
- Prepare the clients promptly on the requirements of Group loans and loan application processes and the micro loans from the Group individual members.
- Appraise credit applications to ensure that all risks are adequately mitigated
- Prepare and make Credit recommendations for approval or otherwise to the Branch manager or Business banking analysis.
- Ensure customers receive prompt feedback on the fate of their Group applications and ensure bank risks are well mitigated.
- Managing, retention & growth of Existing relationships.
- Source for new clients to the bank within the segment.
- Product uptake/penetration within segment.
- Growth in balance sheet – assets, liabilities & contingent liabilities
- Channels utilization.
- Value chain management for the business enterprise to support all related businesses.
- Cross Selling of bank products and services.
Relationship Management:
-
- Effectively perform Account Relationship Management tasks to ensure the customer relations are maintained well to reduce complaints and retain existing customers by management of customer expectations.
- Develop strategies for maintaining and further penetrating existing client base and execute the strategy through calls, visits, needs assessment, customer qualification and follow-up meetings to maintain, enhance and expand customer relationships.
- Be the principal contact point for the new and assigned portfolio of Business Banking relationships and prospective customers by responding promptly to customer issues, questions and concerns
- Adherence to the customer management policy.
Risk Compliance:
- Consistency in adherence to and application of established policies, processes, and tools to achieveoptimal efficiency, compliance and cost containme Minimization of exposures to and impact of risksassociated with client portfolio in line with Bank credit policies, CBK regulatory requirements, KYC and AML policies.
- Strict adherence to all regulations, statutes, standards, practices and all internal processes and procedures as per the relevant manuals and comply with all relevant external legislation and regulations regarding Compliance requirements.
- Ensure that as a staff you actively contribute to the department/division attaining a “Satisfactory”rating in both internal and external audit by performing your role to the required standards and adhering to all internal processes and procedures as per relevant manuals, policies and regulations of the bank.
- Ensure that all risk management requirements within your remit are addressed and where necessaryescalated through the available defined channels
Credit Preperation:
- Make financing proposals through the appropriate credit approval process by structuring proposals, analyzing financial statements, negotiating terms and conditions for facilities and managing administrative tasks including credit analysis and processing.
Quality Loan Book/ Default Management:
- Be on top notch management of PAR to check on cases of 1+ to 89 PDP in liaison with the collection team for collection and cure solutions.
- Work in co-operation with Credit Administration to identify and monitor problem loans & possible delinquent facilities for further acti (Relegate all 90+ files of loans in arrears to Credit)
- Proactively pursue and engage doubtful customers so that all avenues are explored before marking the loan as poor performing or bad & doubtful
Qualifications
- A university degree in a Business-related area.
- Excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
- Experience in Customer service/Relationship Management.
- A thorough knowledge of Banks Products& Services.
- Knowledge in Credit analysis and administration.
- Strong leadership skills with demonstrated competences in championing high performance management.
- A good understanding of risk, credit policies and procedures.
- Excellent planning, Organization, problem solving and analytical skills.
