SME Relationship Manager, Voi and Taveta

Absa Bank Kenya PLC is a financial institution founded in 1916, offering a comprehensive range of banking and financial services.

The SME Relationship Manager will be responsible for managing and sustaining relationships with Business Banking customers, aiming to build long-term partnerships by offering efficient and reliable support. This includes making swift risk decisions and ensuring consistent, high-quality operational service. A key goal is to maximize the sustainable risk-adjusted portfolio contribution. Additionally, the role involves actively developing new business and expanding relationships within the existing customer portfolio.

1. Conduct annual reviews of customer borrowing facilities, with interim reviews as dictated by changes in customer risk profiles.
2. Consult customer owners and managers on financial, credit, and general business practices and ideas.
3. Determine and communicate key messages to customers, including agreed service standards, negotiated pricing, relationship team contact points, and new product changes.
4. Effectively deal with and resolve customer complaints.
5. Identify products most effective in meeting customer needs and proactively sell them.
6. Plan and coordinate marketing approaches for new business and actively develop existing relationships, coordinating group-wide approaches to the portfolio.
7. Monitor and ensure adherence to risk service standards.
8. Research, create, and follow up on target lists for potential new business.
9. Identify priority customers using Customer Prioritization Guidelines to assess their present and potential contribution.
10. Gather all necessary information for preparing and assessing credit applications, inputting judgmental information in close collaboration with SME Credit.
11. Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where applicable and in accordance with RM guidelines and Bank policy.
12. Manage “Early Warning List” customers to reduce risk, following Head Office and Regional guidance.
13. Adhere to procedures and guidelines within the Business Banking Relationship Management Credit Department (BB RMCD).
14. Provide day-to-day support to Enterprise Bankers and branch staff to ensure consistent service quality and risk management.
15. Manage personal leave plan.
16. Offer support as per business requests.
17. Ensure all activities and duties are carried out in full compliance with regulatory requirements, the Enterprise-Wide Risk Management Framework, and internal Absa Bank Kenya Plc Policies and Policy Standards.
18. Understand and manage risks and risk events relevant to the role.

1. Must possess a Business Degree.
2. Minimum of 3 years of experience.
3. Detailed knowledge of the core set of Business Banking products.
4. Good knowledge of complex products sufficient to recognize changing customer needs, identify suitable products/services, introduce them, and coordinate with relevant Group product specialists.
5. Good knowledge of products and services available in the Personal Sector to satisfy the individual financial needs of business owners and key individuals.
6. Broad understanding of policies and strategies across the Group as they relate to the demands of the customer base.
7. Strong knowledge of Enterprise Banking.
8. Proficient in Customer Relationship Management.
9. Skilled in Team Management.