Relationship Officer – SME – ()
Description
Equity Bank is one of the region’s leading banks whose purpose is to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern and inclusive financial services that maximize their opportunities.
With a strong footprint in Kenya, Uganda, Tanzania, Rwanda, South Sudan and DRC Congo, Equity Bank is now home to over 12 million customers – the largest customer base in Africa. Currently the Bank is seeking additional talent to take up the role of Relationship officer – SME as outlined below.
Job Purpose:
To support SME segment and development in line with the branch overall strategy. The role responsible for meeting business developments strategic targets. and responsible in establishing and maintaining key relationships with stake holders in the achievement of the Bank’s strategic goals.
Key Responsibilities
Business Development
- Participate in developing the annual and quarterly financial plans and budgets for the Branch.
- Management of borrowing and non-borrowing customers in the Branch to enhance customer loyalty, mitigate against loss and enhance increased business.
- Regularly review strategic initiatives of the Branch/segments with a view to taking appropriate action.
- Direct the overall effort of the segments in growing business in optimum proportions to achieve set targets.
- Develop and deepen relationships with existing and potential customers. Identify and disseminate market opportunities and information to guide business development efforts and product development.
- Spearhead/ conduct regular business visits to Bank clients, prospects and branch/affiliates.
- Maintain a sustainable, profitable and high-quality balance sheet.
- Cost management –enforce cost optimization of the resources.
- Continuously review customer value propositions for various customer segments
Market & Customer Service
- Collaborate and coordinate the development and the implementation of the sales initiatives with other Branch business stakeholders.
- Continuously conduct and advise market intelligence to identify new markets customer trends, Branch government directives and changes in the policy.
- Act as the Banks’s brand ambassador.
- Participate in development & execution of strategies that build the Equity brand and endear it to its chosen markets.
- Coordinate business banking marketing initiatives
- Originate, build and sustain strategic business partnerships.
- Position Equity Bank Kenya as a preferred Bank.
- Ensure full adherence to the Bank’s customer service chatter.
- Increase market share in line with strategic ambitions and in a profitable, ethical and sustainable manner.
Audit Risk & Compliance
- Ensuring the quality of the loan book in the various segments within the Branch is within expected standards.
- Participates in Branch Credit Committee as per policy
- Ensure adherence of policies and procedures from regulatory authorities, Equity bank and other stakeholders.
- Put in place effective Business Continuity plans for various segments.
- Ensure audit and risk rating for the Branch improves and is within set thresholds as per the key performance indicators communicated sometimes.
- Communicate and articulate the Bank’s risk and control environment to the unit staff and ensure good appreciation of the same
Performance & Reporting
- Optimize the use of the Bank’s Management Information System for performance management.
- Ensure optimum segmentation of the Bank’s client database and targeted marketing on the various business segments.
- Timely submission of reports to key stakeholders to aid in decision making.
- Any other duties as may be assigned by the line manager
Qualifications
Qualifications, Experience & Competencies
- Bachelor’s degree in business administration, finance, or a related field.
- Overall mean grade of C+ in KCSE
- At least 2 – 4 years’ work experience.
- Experience in Biashara banking is an added advantage.
- Knowledge of organizational effectiveness and operations management.
- Experience in budgeting and forecasting.
- Leadership skills.
- Ability to develop, implement, and review policies and procedures.
- Ability to oversee budgeting, reporting, planning, and auditing.
- Understanding of necessary legal and regulatory documents.
- Ability to address problems and opportunities for the company.
- Excellent communication skills.
- Outstanding organizational skills.
