Prime Bank Ltd is one of the leading private banks in Kenya and was founded in 1992. Serving its customers for over 30 years, with a network of 23 branches, Prime Bank has the expertise to deliver flexible, efficient and personalized services.

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Job purpose:

The position of Business Banking Relationship Manager is responsible for the acquisition of new business banking clients and the expansion/retention of existing relationships. Will help structure, underwrite, negotiate and manage credit relationships. Responsible for developing and executing relationship management plans for Business Banking clients; this includes effectively collaborating with client support and product teams as well as senior management. Must be knowledgeable of financial needs of our clients and the Bank’s products, including loans, deposits, treasury and insurance solutions.

Key responsibilities:

Business development

Maintains and grows a profitable book of business through disciplined and proactive business development and relationship management.

Highly focused on our target client profile; understands their financial needs and effectively communicates our value proposition.

Develops an in-depth knowledge of Bank products and services. Cross Selling products based on customer needs while collaborating with other teams in the bank for suitable product offerings • Attains established business targets on loans and deposits through active participation in sales management process.

Underwriting

Effectively identifies key risk factors associated with business opportunities and clearly articulates by preparation of credit presentations and participate in the underwriting and credit approval process.

Structures, underwrites and obtains credit approval, negotiates terms, and effectively documents credit actions and agreements.

Structures, underwrites and obtains credit approval, negotiates terms, and effectively documents credit actions and agreements.

Relationship management

Takes ownership for client relationship with the Bank.

Prioritizes relationships effectively and has an appropriate relationship management plan for each customer.

Takes a consultative approach to understanding our client’s objectives, effectively identifies their financial needs, implements appropriate financial solutions, and undertakes ongoing review and assessment to ensure plan execution.

Effectively collaborates with client service team, product team and senior management to ensure excellent client experience.

Maintains a working knowledge of bank operating policies and procedures which impact commercial relationships.

Portfolio management

Accountable for overall portfolio management, compliance and risk.

Monitors conduct of portfolio to ensure actual performance is consistent with approved limits and loan structures.

Completes accurate and timely credit actions, including periodic reviews, renewals and modifications.

Ensures that borrower reporting requirements and financial covenants are met.

Teamwork & leadership.

Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

Exhibits leadership by example, pursuing high performance and professionalism.

Any other duties as may be directed by the supervisor or equal authority.

Job Experience/Qualifications:

Bachelor’s degree in business, finance, or accounting or relevant.

3-5 years of experience managing business banking relationships, and developing, structuring, underwriting, and negotiating credit transactions.

Skills & Competencies:

Must be a self-starter and have the ability to take ownership of key relationships with minimal supervision while effectively communicating with senior management.

Effective oral and written communication skills.

High analytical skills.

Working relationship:

Internal relationships: Credit team, Compliance and Legal teams, Branch Managers

External relationships: Business Clients, External Advisors

• Maintains and grows a profitable book of business through disciplined and proactive business development and relationship management.
• Highly focused on our target client profile; understands their financial needs and effectively communicates our value proposition.
• Develops an in-depth knowledge of Bank products and services. Cross Selling products based on customer needs while collaborating with other teams in the bank for suitable product offerings.
• Attains established business targets on loans and deposits through active participation in sales management process.
• Effectively identifies key risk factors associated with business opportunities and clearly articulates by preparation of credit presentations and participate in the underwriting and credit approval process.
• Structures, underwrites and obtains credit approval, negotiates terms, and effectively documents credit actions and agreements.
• Takes ownership for client relationship with the Bank.
• Prioritizes relationships effectively and has an appropriate relationship management plan for each customer.
• Takes a consultative approach to understanding our client’s objectives, effectively identifies their financial needs, implements appropriate financial solutions, and undertakes ongoing review and assessment to ensure plan execution.
• Effectively collaborates with client service team, product team and senior management to ensure excellent client experience.
• Maintains a working knowledge of bank operating policies and procedures which impact commercial relationships.
• Accountable for overall portfolio management, compliance and risk.
• Monitors conduct of portfolio to ensure actual performance is consistent with approved limits and loan structures.
• Completes accurate and timely credit actions, including periodic reviews, renewals and modifications.
• Ensures that borrower reporting requirements and financial covenants are met.
• Treats people with respect; keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Exhibits leadership by example, pursuing high performance and professionalism.
• Any other duties as may be directed by the supervisor or equal authority.

• Must be a self-starter and have the ability to take ownership of key relationships with minimal supervision while effectively communicating with senior management.
• Effective oral and written communication skills.
• High analytical skills.

• Bachelor’s degree in business, finance, or accounting or relevant.
• 3-5 years of experience managing business banking relationships, and developing, structuring, underwriting, and negotiating credit transactions.