Overview

La Riba Relationship Manager – Eldoret
Job TypeFull Time
QualificationDiploma
Experience5 years
LocationEldoret
Job FieldSafety and Environment / HSE
Job Summary

To Manager and sustain relationship of La Riba Business Banking customers, building long-term relationships founded on efficient and reliable support for their business. This is achieved particularly through quick risk decisions and managing consistency and quality of operational service.
The primary objective is to maximize sustainable risk-adjusted / EP portfolio contribution.
The jobholder will additionally be responsible for business development both with new customers and with his/her existing portfolio.

Job Description

Main accountabilities and approximate time split.

Sales and Service: Time split 70%

Conduct an 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 practices/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 appropriate La Riba products that are most effective in meeting customers’ needs and be able to sell these, at short notice, both reactively and proactively.
Plan and coordinate any marketing approaches for new business and actively develop existing relationships. Coordinate approaches to the portfolio by businesses across the Group.
Monitor and ensure adherence to risk service standards.

Business Management:- 30%

Research, create and follow up on a La Riba target list for potential new business.
Identify priority La Riba 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. The role holder will be expected to input certain key information such as judgmental information (They will work closely with La Riba team,SME Credit & Product specialists)
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.

 

Technical skills / Competencies

Personal Attributes:

Delivering and meeting customers’ needs
Managing relationships
Personal organization
Planning and organizing
Adaptability
Working with others
Decisiveness and initiating action
Active listening
Analytical thinking
Judgment
Entrepreneurial thinking

Skills required to undertake the role:

Relationship skills
Risk skills
General Corporate skills
Leadership and team skills
Product skills
Communication skills
Delivering Results and meeting customer expectations
Deciding and initiating action
Relating and networking
Planning and organizing
Persuading and influencing
Working with people
Applying expertise and technology
Entrepreneurial  thinking
Coaching

 

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

The job holder will be required to have a detailed knowledge of the core set of Business Banking products.
For Complex La Riba products and concepts,, good knowledge will be required sufficiently to:-Recognize the changing needs of the customer.
Identify La Riba products/service that best satisfies customers’ need.
Introduce the product/service.
Coordinate the introduction of the relevant Group product specialist.
Deal with customers directly as required.
A good knowledge of the La Riba products & services available in the Personal Sector is also required to satisfy the individual financial needs of business owners/key individuals.
The job holder 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:-

Business Banking,
Islamic Banking knowledge
Shariah compliance products
Customer relationship management
Team management
5 years experience in sales  and 3 years in relationship management

Education

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

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About Absa Bank Limited

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. Registered head offices are in South Africa and the Group has majority stakes in banks in Botswana, Ghana,Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania (Barclays Bank Tanzania and National Bank of Commerce), Uganda and Zambia. The Group has representative offices in Namibia and Nigeria, as well as bancassurance operations in Botswana, Mozambique, South Africa and Zambia. Barclays Bank Kenya and Barclays Bank Botswana continue to be listed on their respective stock exchanges.Barclays Bank PLC has operations in Egypt and Zimbabwe, which are part of the African business and continue to be run by Barclays Africa Group’s management