Relationship Officer – Corporate Banking

The Relationship Officer – Corporate Banking reports to the Head of Corporate Banking. This role is crucial for supporting Relationship Managers and the Head of Corporate Banking by focusing on credit appraisal, credit administration, and ensuring continuity of service during the absence of Relationship Managers. The primary goal is to drive the overall business performance of allocated corporate Accounts to achieve set business targets.

Key Responsibilities

• Call existing and prospective customers to develop new business and match their needs with the Bank's products and services.
• Provide excellent customer service to existing and potential customers through follow-up activities to develop new business and promote the Bank’s products and services.
• Market for real estate business and support branches in analyzing applications for real estate financing.
• Visit clients to assess potential needs for cross-selling opportunities, provide appropriate financial solutions, and ensure value chain maximization.
• Assist the Relationship Manager(s) in handling the administrative aspects of client relationships management.
• Carry out detailed credit appraisal and risk analysis of proposals forwarded to the Corporate Banking Department and provide specific recommendations.
• Follow up on disbursements strictly as per approved conditions.
• Perform credit administration duties for accounts within the portfolio and maintain continuity in relationship management.
• Ensure timely responses to clarifications sought by the Credit Department on applications forwarded to them, maintaining close follow-up to ensure quick decisions.
• Review the performance of customer facilities and make appropriate recommendations regarding non-performing facilities.
• Maintain close follow-up on client businesses facing loan repayment difficulties and, in conjunction with the Relationship Managers and Head of Corporate Banking, develop measures for rehabilitation and/or recovery of debts.
• Check the revenue payable to the Bank by customers to ensure that proper rates/charges are applied.

Qualifications and Competencies

Qualifications:

• Should possess a bachelor’s degree in commerce or a business related field.
• Possession of professional banking qualifications such as AKIB, ACIB or CPA will be an added advantage.
• Should have a minimum of four years’ relevant working experience in banking.

Competencies:

• Should possess strong credit risk management skills.
• Should have strong customer service orientation and commercial awareness.
• Should have excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
• Should have good knowledge of the Central Bank of Kenya Prudential guidelines and also the Bank’s KYC policy.