Job Description

KEY RESPONSIBILITIES: MUST NOT BE MORE THAN 10

• 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.
• Adherence to KYC and AML policies and procedures.
• Cross sell bank products including assets, liability and electronic banking products
• Initiate personal loans applications and ensure good underwriting practices.
• Prepare and submit relevant reports.
• Managing personal banking portfolios and monitor daily branch budget for all accounts.
• Sales calls and market intelligence gathering
• Monitor overdrawn, inactive, dormant and zero balance accounts and initiate relevant reports.
• Receive and solve or escalate both verbal and written customer complaints as well as update complaints register.
• 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.

KNOWLEDGE, EXPERIENCE AND PERSONAL COMPETENCIES

• A degree or post graduate degree (Business and/or Finance related)

• Good understanding of banking products, policies and procedures.

• Sound knowledge of the KCB bank products and processes such as account opening and documentation.

• Credit knowledge including understanding and interpretation of financial statements.

• Understanding of behavior 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.

• The candidate should possess the following interpersonal competencies:

  Organized, proactive, Innovative, reliable, empathetic, persuasive, good team player, decisive, result oriented, energetic, active, with integrity and culturally sensitive.