Assistant Relationship Manager job at KCB Bank
Job Description
Job Summary
The Assistant Relationship Manager will support the management and growth of client relationships by assisting in customer onboarding, account management, and service delivery. The role works closely with Relationship Managers to ensure client needs are met, service standards are maintained, and business objectives are achieved. This position is ideal for a customer-focused professional with strong coordination and communication skills.
Key Duties & 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.
- Participate in specific product campaigns by ensuring that the products are explained to customers.
- Adherence to KYC and AML policies and procedures.
- Cross sell bank products including assets, liability and electronic banking products
- Initiate personal loan applications and ensure good underwriting practices.
- Prepare and submit relevant reports.
- Managing personal banking portfolios and monitor daily branch budget for personal accounts.
- When selling loans to retail customers, complete the personal loans financial analysis of customers. Where customers don’t meet the minimum criteria, advise the customer verbally or in writing as the customer requires. Report such denials and details to the branch manager on a daily basis.
- Sales calls and market intelligence gathering
- Monitor and handle overdrawn, inactive, dormant and zero balance personal accounts and initiate relevant reports.
- Own and manage personal products at the branch and channel sales targets to contribute towards the outlet sales objectives.
- 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.
Educational Qualifications, Experience, & Skills Required
- A bachelor’s degree in business and/or Finance related
- A minimum of 1.5 Years in a related role.
- Good understanding of personal banking products, banking policies and procedures
- Sound knowledge of the KCB bank products and processes such as account opening and KYC 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.
