Relationship Officer – Asset Finance at Bank of Africa Kenya Limited

Responsibilities and Accountabilities

Financial.

• Credit Application file set up and follow up.
• Collect and analyse customers or prospect financial statements and other documents.
• Analysis and preparation of credit facility application files, and adherence to pricing conditions negotiated, within set SLAs after receipt of all the documents from the customers.
• Provides performance dashboards to the Head Asset finance including business opportunities that contribute to the overall growth of the portfolio.
• Identify opportunities to cross sell the Bank’s various products.
• Coordinate and mobilize asset finance business from branches.
• Management of the asset finance portfolio quality and maintaining it within risk thresholds of the Bank.
• Continuously identify and exploit cross selling opportunities that embed the bank and its products with customer needs.

Customer Focus.

• Analysis of the real needs of customer and checks consistency of requested and proposed facilities.
• Ensures retention of clients while enriching and updating prospect databases.
• Identify opportunities to meet customer needs and for cross sell.
• Follow up on customer complaint/s and ensures delivery within Service Level Agreements and procedures.
• Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers.
• Synergies with various departments in the bank and other external stake holders
• Develop new relationships with clients with an aim of increasing the number of asset finance, attaining good quality asset finance book for the branch in line with the set budgets.
• Drive the growth of Asset Finance book.
• Daily dealer visit
• participate in marketing activities within the business area in order to maximize an appropriate growth in business
• Create a database of all key clients within assigned dealers to ensure continuous monthly care calls/visits.
• Provide agreed levels of service within the agreed TAT (turnaround times) and SLAs of Asset finance products.

Internal Processes.

• End to end credit approval process.
• Monitoring of Covenants- Ensure that customers meet all the post drawdown covenants.
• Maintaining relationship with international partners ranging from Direct Foreign Investors to Correspondent banks
• Conducting further due diligence on customer profile and application documents.

Competencies and Attributes

• Good communication and presentation skills – Ability to convey information with clarity both spoken and written.
• Marketing and selling proficiency – Equips the individual to undertake sales targeting, sell bank services and meeting sales targets.
• Results driven – able to efficiently manage time, meet deadlines and communicate risks, resource needs, and priorities and deliver results.
• Good analytical skills – Ability to collect and analyze information, problem-solve, and make sound judgements and decisions.
• High Integrity – Ability to exhibit honesty and ethical behavior in one’s conduct.
• Proactive – High sense of urgency and attention to detail. Ability to work without supervision and meet strict deadlines.

Minimum Requirements; Work Experience, Academic and Professional Qualifications.

• Bachelor’s degree in business or a related field
• A Minimum of 3 years’ experience in banking, with at least 2 years’ experience in sales
• Strong credit skills and good understanding of SME and Corporate Banking Products.