Assistant Relationship Manager-PB
JOB PURPOSE
To grow and maintain healthy both personal banking portfolio (personal loans, mortgages, accounts and e-products) and to act as a reliable point of contact for new and existing personal banking customers. Ensure that the customers’ banking needs are identified and fulfilled efficiently and cost-effectively, while managing risks associated with new accounts, loan portfolio, account mandates and related process flow.
KEY RESPONSIBILITIES:
- Create and Manage client relationships and accounts to minimize attrition.
- Sourcing for new personal banking business opportunities in coordination with the sales team and other units.
- Adherence to KYC and AML policies and procedures.
- Cross sell bank products including assets, liability and electronic banking products
- Initiate personal loans applications and ensure good underwriting practices.
- Prepare and submit relevant reports.
- Managing personal banking portfolios and monitor daily branch budget for all accounts.
- Sales calls and market intelligence gathering
- Monitor overdrawn, inactive, dormant and zero balance accounts and initiate relevant reports.
- Receive and solve or escalate both verbal and written customer complaints as well as update complaints register.
- Any other duties that may be allocated from time to time.
- Risk profiling of potential clients and ensure adherence to KYC and AML policies and procedures.
DAILY RESPONSIBILITIES:
- Customers successfully enrolled, utilizing and enjoying e-channels
- Increased profitability as a result of quality growth in market share.
- Increased cross-sale ratios
- Good audit and compliance report findings
- Complaints and queries effectively managed
- Retention of satisfied, well-informed customers.
- Ensure Credit loan applications are well captured in credit Analyst system and follow up for timely resolutions of customers disputes.
<H4>KNOWLEDGE, EXPERIENCE AND PERSONAL COMPETENCIES</H4>
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A degree or post graduate degree (Business and/or Finance related)
Good understanding of banking products, policies and procedures.
Sound knowledge of the KCB bank products and processes such as account opening and documentation.
Credit knowledge including understanding and interpretation of financial statements.
Understanding of behaviour and application scoring systems and how to use relevant scoring software.
Understanding risk management principles, credit scoring principles and procedures.
Possession of fine underwriting skills and good understanding personal credit processes
Understanding of competitors and their products and services
Attend relevant courses and e-learning sessions.
Good understanding of existing customer profiles.
The candidate should possess the following interpersonal competencies:
Organized, proactive, Innovative, reliable, empathetic, persuasive, good team player, decisive, result oriented, energetic, active, with integrity and culturally sensitive.
