Relationship Manager, SME

Department Commercial Banking
Reports to: Team Leader, SME Banking

Job Purpose

The Relationship Manager, SME will be expected to achieve business growth for the Bank by selling SME Banking Unit products within assigned market segments and by promoting and selling other products and services of the Bank to enhance value-added relationship with existing customers.

Key Responsibilities

Develop effective strategies to manage customer relationships, anticipate customer needs and provide a superior quality service to position Gulf African Bank as the market leader in this segment.
Build a high-quality client portfolio by effectively providing appropriate solutions to meet customer needs.
Ensure continuous improvement in customer service and implement effective retention of customers within the SME banking framework.
Grow the bank’s liabilities, assets and non-funded income (NFI) in the SME banking sector, meeting set targets.
Accurately maintain customer and deal pipeline information.
Evaluate credit proposals and ensure the credit applications are processed on a timely basis within the bank’s set turnaround times.
Filing concise, but informative, call reports after customer visits (these should specify topics discussed, customer needs/ feedback, potential product needs, next steps, credit-relevant information etc.)
Ensure strong cross-selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the bank
Monitor allocated portfolio and take timely and proactive corrective action to mitigate potential losses, exercising effective portfolio stewardship and control.
Conduct consistent monitoring to prevent defaults on client’s payment, alterations in the client’s business, and to be aware of forthcoming client’s financial needs
Keep abreast of external factors influencing business e.g. economic, procedural and regulatory requirements.
Continuously scan the environment to identify fresh business opportunities and play an active role in product development relevant to the SME Banking sector.

Qualifications and experience

Business related degree from a recognized university with a major in Finance, Marketing and/or Economics.
Relevant post graduate professional qualification AKIB will be an added advantage.
Proven experience of at least 2 years in a similar position (relationship management, business banker).
Knowledge of banking products
Possess Advanced Credit Appraisal Techniques and Report writing skills.
Skills and competencies

Ability to manage relationships through interpersonal skills.
Ability to acquire and apply new knowledge relevant to the role, keep abreast of policies, procedures and guidelines relating to the role.
Ability to demonstrate a positive approach to teamwork by sharing information and contributing to team effort.
Excellent selling skills
Ability to set stretched targets and impose a high personal standard.
Having attention to detail and ability to capture information accurately.
Commercial awareness with good analytical skills.
Ability to communicate clearly and concisely both orally and in writing.
Personal attributes

Dynamic, individual with the ability to work under pressure, with high emotional intelligence.
Strong networking skills, for both internal and external networks.
A passion for performance, teamwork, and achievement in a competitive and dynamic environment.
Hardworking, strategically minded individual with excellent self-leadership, organizational, and planning skills.


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About Gulf African Bank

The genesis of Gulf African Bank (GAB) can be traced back to 2005, when a group of motivated Kenyans envisioned establishing an Islamic bank as an alternative to conventional banking in the country. By conducting business on the principles of Shari'ah, the bank would provide an ethical and fair mode of banking for all. Gulf African Bank is the first and largest Islamic Bank in Kenya and one of the fastest growing banks in the history of the banking sector of the country. The bank offers fully Shari'ah compliant products and services that address the needs of not just Muslims, but everyone in the country including individuals, corporate companies, and institutions. The bank was incorporated on August 9th, 2006 and started operations as a commercial bank in January 8th 2008, in a historic event, where it was granted the country’s first fully-fledged commercial banking license as a dedicated Islamic bank, by the Central Bank of Kenya