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Relationship Manager – Liabilities and Deposit Mobilization

Job Description

The Relationship Manager- Deposit Mobilisation is a role reporting to the General Manager. This position is responsible for developing and implementing a business plan for identified target markets with identified volumes to drive high volumes of new deposits to the company. The main function of the role is to actively manage and take responsibility of the business development plan so as to improve the deposit mobilization and retention of deposit and also manage withdrawal attrition. The job holder will ensure that payment and treasury transactions are processed and settled in an accurate and timely manner and in compliance with all relevant regulation, policies and procedures.

Responsibilities

  • To acquire and manage the portfolio of corporate deposit (sustain and grow a portfolio of corporate/executive clients by building long term relationships).
  • Manage the top 50 big corporate deposits in volume.
  • Identifying deposit/financing and transactional opportunities and investment/ deposit base.
  • Act as the primary link to the client for all Umba MFB Banking Solutions.
  • Maximizing risk-adjusted portfolio contribution.
  • Business development for both new and existing clients with a view to increasing “wallet share”

Key Accountabilities:

  • Expanding the Company’s transactional and other product offerings(Deposits) to current and prospective customers through enhancements of product suitability;
  • Own the primary relationship with the client by being the client’s main contact point for all corporate banking needs and the bank’s primary channel to the customer
  • Establishing, leveraging and maintaining strategic relationships with clients and top 50 big corporate deposits in volume;
  • Assume primary responsibility for understanding the client’s business at a strategic, tactical and operational level
  • Understand the local market and the segments within which a customer operates/ develop local sector expertise and networks + build competitor knowledge
  • Create and maintain robust account plans for the clients
  • Develop relationships at a senior level for clients (loans/deposits above 1M) within the portfolio
  • Attend client meetings and presentations where appropriate
  • Target and develop new business with new customers
  • Manage the deposit, sales and build relationships and networks with relationship managers within the Branch etc…
  • Ensure a unified vision, goals and objectives to align business effort towards a common goal through visionary leadership
  • Provide direction and guidance towards achieving of strategy, goals and objectives
  • Identify new representation opportunities and thereby ensure a proper cost effective distribution channel across the Country
  • Driving engagements and partnerships with stakeholders and segment heads;
  • Identifying opportunities for cross selling and referral to other Company sales lines through developing and maintaining a broad understanding of customer needs
  • Meet assigned targets and quota in deposit mobilization and other assigned tasks.

Qualifications And Experience

  • Bachelor’s and/or Master’s Degree in Banking & Finance, Marketing and any other related course
  • 7 years previous work experience in a similar role.
  • Strong communication and presenting skills.
  • A confident personality with strong analytical and problem-solving abilities.
  • High computer literacy.
  • Strong interpersonal and analytical skills.
  • Good written and oral communication.
  • Attention to detail.
  • Assertive, persuasive and self-driven

Relationship Officer – Liabilities

Job Description

The Relationship Officer- Liabilities is a role reporting to the Relationship Manager- Liabilities. This position is responsible for developing and implementing a business plan for identified target markets with identified volumes to drive high volumes of new deposits to the company. The main function of the role is to actively manage and take responsibility of the business development plan so as to improve the deposit mobilization and retention of deposit and also manage withdrawal attrition. The job holder will ensure that payment and treasury transactions are processed and settled in an accurate and timely manner and in compliance with all relevant regulation, policies and procedures.

Responsibilities

  • To acquire and manage the portfolio of corporate deposit (sustain and grow a portfolio of corporate/executive clients by building long term relationships).
  • Manage the top 50 big corporate deposits in volume.
  • Identifying deposit/financing and transactional opportunities and investment/ deposit base.
  • Act as the primary link to the client for all Umba MFB Banking Solutions.
  • Maximizing risk-adjusted portfolio contribution.
  • Business development for both new and existing clients with a view to increasing “wallet share”
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Key Accountabilities:

  • Source for new high-end customers
  • Persuading them to deposit money.
  • Maintaining existing deposit clients.
  • Inform the client of the status of their deposit.
  • Ensure the form for opening a fixed deposit account is adequately completed and registered.
  • Work with the team to develop and implement a business development plan to improve the deposit mobilization and retention of deposit and also manage withdrawal attrition
  • Contribute to the development of innovative savings products in line with customer needs
  • Create and enhance new methods for rewarding depositors with interest on ordinary and fixed deposits.
  • Marketing and sale of all bank’s deposit products.
  • Meet assigned targets and quota in deposit mobilization and other assigned tasks

Qualifications And Experience

  • Bachelor’s and/or Master’s Degree in Banking & Finance, Marketing and any other related course
  • 3-5 years previous work experience in a similar role.
  • Strong communication and presenting skills.
  • A confident personality with strong analytical and problem-solving abilities.
  • High computer literacy.
  • Strong interpersonal and analytical skills.
  • Good written and oral communication.
  • Attention to detail.
  • Assertive, persuasive and self-driven

Logbook Loan Officer

Responsibilities

  • Process ownership: Owning and managing the sourcing, negotiating, signing, and management of logbook loan accounts.
  • Evaluate credit applications: Review loan applications submitted by individuals and businesses, assess financial information, and determine creditworthiness based on established criteria.
  • Conduct financial analysis: Analyze financial statements, credit reports, and other relevant data to assess the applicant’s ability to repay the loan and manage credit risk.
  • Assess collateral and security: Evaluate collateral or security offered by loan applicants and determine its value and adequacy to mitigate potential credit risks.
  • Verify documentation: Ensure that all required documents and information provided by applicants are complete, accurate, and comply with internal policies and regulatory guidelines
  • Collaborate with stakeholders: Work closely with loan officers, underwriters, and other internal teams to gather additional information, clarify details, and ensure smooth loan processing.
  • Maintain credit files: Maintain accurate and up-to-date credit files and documentation, including loan applications, financial statements, and other relevant records.
  • Monitor credit portfolio: Monitor the performance of existing loans, review repayment patterns, identify potential credit concerns, and take appropriate actions to mitigate risks.
  • Ensure compliance: Adhere to regulatory requirements and internal policies related to credit evaluation, loan processing, and customer data confidentiality.
  • Provide exceptional customer service: Communicate effectively with applicants, providing clear explanations of credit decisions, addressing inquiries, and ensuring a positive customer experience.

Skills And Qualifications

  • Bachelor’s degree in finance, accounting, or a related field. Relevant certifications or professional qualifications in credit analysis are a plus.
  • Proven experience as a Credit Officer or similar role in a financial institution, preferably in a digital banking environment.
  • Strong analytical skills with the ability to interpret complex financial information and assess credit risk.
  • In-depth knowledge of credit evaluation techniques, loan underwriting principles, and regulatory requirements.
  • Familiarity with digital banking platforms and loan management systems.
  • Excellent attention to detail and strong organizational skills.
  • Ability to work independently and make sound decisions within established guidelines.
  • Effective communication and interpersonal skills.
  • Proficiency in using financial analysis software and MS Office applications.
  • Commitment to maintaining confidentiality and handling sensitive customer information ethically.
  • Understanding of market trends, industry best practices, and emerging technologies in credit analysis and lending.

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