SME Relationship Manager – Coast at Absa Bank Limited

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  • Company: Absa Bank Limited
  • Location: Kenya
  • State: Mombasa
  • Job type: Full-Time
  • Job category: – Banking Jobs in KenyaSales/Marketing Jobs in Kenya

Absa Bank Limited (Absa) is a wholly owned subsidiary of Barclays Africa Group Limited. Absa offers personal and business banking, credit cards, corporate and investment banking, wealth and investment management as well as bancassurance. Barclays Africa Group Limited is 62.3% owned by Barclays Bank PLC and is listed on the JSE Limited. The Group is one of Africa’s major financial services providers offering personal and business banking, credit cards, corporate and investment banking, wealth and investment management as well as bancassurance. The Group was formed through combining Absa Group Limited and Barclays’ African operations on 31 July 2013. Reflecting the enlarged group’s pan-African focus, the Group’s name changed from Absa Group Limited, to Barclays Africa Group Limited on 2 August 2013.

Job Description

Main Accountabilities

Sales and Service

  • Conduct annual review of customers’ borrowing facilities (and interim review if customer circumstances [risk profile] dictate).
  • Consult customer owners/managers on financial/credit issues and general business practice/ideas.
  • Determine the key messages, e.g. agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Calculating the most appropriate means of communicating them to customers.
  • Deal with, and find resolutions for, customer complaints.
  • Determine the products that are most effective in meeting customers needs and be able to sell these, at short notice, both reactively and proactively.
  • Plan and co-ordinate any marketing approaches for new business and actively develop existing relationships. Co-ordinate approaches to the portfolio by businesses across the Group.
  • Monitor and ensure adherence to risk service standards.

Business Management

  • Research, create and follow up on a target list for potential new business.
  • Identify priority customers using the Customer Prioritization Guidelines to assess their present and potential contribution.
  • Gather all the required information that is needed to prepare and assess credit applications.  Role holder will be expected to input certain key information such as judgmental information (They will work closely with SME Credit)
  • Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in accordance with RM guidelines and Bank policy.
  • Manage “Early Warning List” customers to reduce risk, following H.O. and Regional guidance provided.
  • Adhere to procedures and guidelines within the BB RMCD.

Staff Management

  • Day-to-day support to Enterprise Bankers and branch staff in provision of consistent service quality and risk.
  • Manage own leave plan.
  • Offer support as per business request.
Technical Skills/Competencies

Personal Attributes:

  •  Delivering results and meeting customer expectations.
  • Managing relationships
  • Personal organization
  • Self development
  • Adaptability
  • Working with others
  • Decisiveness
  • Active listening
  • Analytical thinking
  • Judgment
  • Writing and Reporting

Skills required to undertake the role:

  • Relationship skills
  • Risk skills
  • General Corporate skills
  • Leadership and team skills
  • Product skills
  •  Presenting and Communicating information

Knowledge of the bank’s products, services and policies required to undertake the role:

  • The jobholder will be required to have a detailed knowledge of the core set of Business Banking products.
  • For Complex products, a good knowledge will be required sufficient to:-
  • Recognize the changing needs of the customer.
  • Identify products/service that best satisfies customer need.
  • Introduce the product/service.
  • Co-ordinate the introduction of the relevant Group product specialist.
  • Deal with customers directly as required.
  • A good knowledge of the products & services available in the Personal Sector is also required to satisfy the individual financial needs of business owners/key individuals.
  • The jobholder will require a broad understanding of policies and strategies across the Group as they relate to the demands of the customer base.
Knowledge, Expertise and Experience:

Mandatory

  • Must have good knowledge on Enterprise Banking, Customer Relationship Management, Team Management

Education:

  • Business Degree

Training likely to assist effectiveness in the role, and which may have been completed prior to undertaking this role:

  • Risk assessment and management
  • Presentation, influencing and negotiating
  • Communication

Additional details of exceptional aspects of the demands of the role:

  • Required to form relationships with customers, therefore minimum tenure will be 2 years.
  • The jobholder will need to be able to communicate in such as way as to ensure their ongoing     credibility when dealing with financial controllers of companies, in addition to owner-managers.
  • The jobholder’s portfolio will consist of a full range of Business Banking customers, including the more challenging customers, who will often be subject to competitive approaches from other banks.
  • Business development activity will be similarly demanding.

Education

National Diplomas and Advanced Certificates: Business, Commerce and Management Studies (Required)

Method of Application

Submit your CV and Application on Company Website : Click Here Closing Date : 8th January, 2021
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