Relationship Manager, Commercial Banking

SBM Bank (Kenya) Limited is a financial institution founded in 1973, providing banking services in Kenya.

The Relationship Manager for Commercial Banking is responsible for achieving significant business growth for SBM Bank. This involves strategically selling the bank's diverse range of products and services to Small and Medium Enterprises (SMEs) within specific market segments. A key aspect of the role is also to cultivate and enhance value-added relationships with the bank's existing customer base, ensuring their financial needs are met and their engagement with the bank is strengthened.

1. Support the department in expanding business within assigned sectors and segments.
2. Implement the Commercial Banking strategy in alignment with the assigned sector/segment and the overall Bank strategy.
3. Onboard new customers to increase the Bank’s liabilities, assets, and non-funded income.
4. Service existing customers to continuously grow the Bank’s liabilities, assets, and non-funded income.
5. Increase product usage and account activity among existing customers within the assigned portfolio.
6. Engage continuously with Branch Commercial Banking teams.
7. Contribute significantly to product development relevant to the assigned sector.
8. Evaluate credit proposals and ensure timely processing of credit applications according to Bank standards.
9. Effectively manage and expand relationships with existing SME Banking clients and establish new partnerships for business growth.
10. Drive continuous improvement in customer service and implement effective customer retention strategies within the Corporate Banking framework.
11. Provide advice on potential financial solutions based on identified customer needs.
12. Understand, resolve, and escalate client queries in a timely and appropriate manner.
13. Analyze customers’ financial requirements and match them with the Bank’s product offerings.
14. Grow the Bank’s wallet share within the SME Banking sector and designated portfolio/segment.
15. Develop and maintain strong working relationships with existing clients to optimize facility utilization.
16. Ensure timely renewal of facilities like overdrafts to prevent expiry.
17. Communicate effectively with clients regarding changes to the Bank’s services or products.
18. Manage all facilities within the portfolio to maintain an acceptable Portfolio at Risk (PAR).
19. Ensure customers maintain active accounts by regularly reviewing activity and transaction consistency.
20. Develop the assigned sector business across the country through effective management of Branch Commercial Banking teams.
21. Enable Branch Commercial Banking teams to achieve profitability targets by building and maintaining strong client relationships.
22. Ensure compliance with internal policies and external regulatory requirements.
23. Collaborate with Risk and Compliance units to ensure effective controls are in place to mitigate business risks.
24. Pursue continuous personal development.
25. Support the development of Branch Commercial Banking teams, including career pathing.
26. Safeguard and promote the Bank’s image and reputation with the general public.

1. Bachelor’s degree from an accredited university, preferably in Finance, Accounting, Marketing, or Economics.
2. Minimum of 4 years of relevant experience.
3. Excellent interpersonal, communication, and presentation skills.
4. Strong organizing, planning, information gathering, monitoring, and analytical skills.
5. Strong problem analysis and problem-solving skills.
6. Sound decision-making skills.
7. High emotional intelligence and ability to work effectively under pressure.
8. Passion for performance, teamwork, and achievement in a competitive and dynamic environment.
9. Strong commercial awareness and customer focus.
10. Strong internal and external networking skills.
11. Proven ability in delivering results and meeting customer expectations.
12. Demonstrated ability in achieving personal work goals and objectives.
13. Entrepreneurial and commercial thinking mindset.
14. Strong persuasion and influencing abilities.
15. Skill in presenting and communicating information eloquently.
16. Ability to relate and network effectively.
17. Competence in working collaboratively with people.
18. Ability to maintain a quality asset book.
19. Capability to handle customer complaints and expectations diplomatically.
20. Ability to foster teamwork and promote a positive working environment.
21. Professional conduct that protects the Bank’s image and reputation.
22. Ability to analyze statements of accounts and annual financial reports to assess accuracy and reasonableness of company earnings.
23. Accountability for timely submission of reports and seamless execution of assigned tasks.
24. Adherence to department’s Service Level Agreements (SLAs).
25. Commitment to maintaining effective customer satisfaction and retention mechanisms.