Branch Relationship Officer Job Vacancy at NCBA Bank
Job Overview
Branch Relationship Officer Job Vacancy at NCBA Bank
Branch Relationship Officer
NCBA Bank
Summary of Responsibilities
Develop, expand, and maintain a portfolio of retail clients for the branch to achieve set budgets within overall bank objectives.
Key Result Areas
Perspective: Business Development & Revenue Generation
Weighting: 60%
Output:
This position is responsible for achieving the portfolio’s annual financial targets for both Balance Sheet and Profitability.
Balance Sheet Growth
Growth of deposits, both CASA and Fixed Deposits
Growth of individual loans (personal, mortgage loans)
Growth of funded New to Bank accounts
Profitability: PBT
Develop, maintain, and expand relationships with retail clients to attain a quality asset book
Ensure compliance with credit and regulatory guidelines
Maintain Retail clients’ NPL below regulatory percentage
Contain PAR within bank-set limit
Sell and cross-sell bank digital and bancassurance products
Perspective: Internal Business Processes
Weighting: 10%
Output:
Responsible for adhering to approved policies and procedures and providing feedback to keep them competitive.
Audit issues closed within the quarter of identification or within agreed periods, whichever is shorter
Nil repeat findings
100% SLA adherence
100% adherence to agreed turnaround times
Perspective: Learning and Growth
Weighting: 10%
Output:
Delivering the performance objectives set and managing own learning and development needs to build capacity and avail oneself for coaching and training opportunities.
Level of own development plan maintenance
Own competency score
Perspective: Customer
Weighting: 20%
Output:
Driving customer satisfaction, developing and growing relationships with existing and potential customers, identifying opportunities for business development, and guiding product development.
Accurate real-time CRM data
Ensure branch meets and exceeds the following customer satisfaction metrics:
Net Promoter Score
CSI/RSI
CES
Job Dimensions
Reporting Relationships
Direct Reports: Branch Manager
Indirect Reports: N/A
Stakeholder Management
Key stakeholders the position holder will liaise/work with to succeed in this role:
Internal: All NCBA Bank segment and subsidiary organizations
External: Customers, ecosystem of existing corporate relationships, existing vendor relationships, and key industry players
Decision Making Authority/Mandates/Constraints
Pricing structures and negotiation parameters (Managerial)
Recommending the product offering for the portfolio (Strategic)
Authority to block or unblock customer accounts as part of portfolio performance management (Operational)
Escalation point to sustain value-add customer relationships
Work Cycle and Impact
Time Horizon: Contribution to the 5-year bank strategy, development of the supporting Retail Sales strategy, translating the strategy into operational models and performance scorecards for the unit, and working with the team to break down performance scorecards into annual team and individual targets that deliver revenue, profitability, and share of market objectives.
Academic
Preferred: Bachelor’s degree from a recognized accredited university
Desirable: Master’s degree in strategic management or business administration, or other similar relevant qualification
Professional
In-depth knowledge of the local banking industry, Retail Sales products, and all relevant banking regulations
Sound working knowledge and understanding of general commercial regulations and practices
Desired Work Experience
At least 7 years’ experience in banking, 4 of which should have been in a senior management capacity in a similar-sized organization
Significant experience in commercial or retail lending
Ideal Job Competencies
Technical Competencies
Banking/Financial Institutions Knowledge: Broad-based working/operational knowledge of banking (breadth and depth). Certification in multiple areas of banking and/or banking support services. Reference point and mentor for customers, colleagues, and partners for areas of expertise.
Product Knowledge: Broad-based working knowledge of all products offered by the bank (breadth and depth). Ability to combine different product offerings to create value-adding solutions for customers.
Customer Management: Creates value-adding solutions drawn from different product offerings to address client needs. Socializes and sells the solution to stakeholders as appropriate. Closes the sale and monitors realization of value for both the client and the bank.
Credit Analysis: Ability to analyze business plans and make sound decisions on the viability of deals based on the bank’s risk acceptance criteria. Ability to analyze financial statements and define the client’s financial capacity in line with applied credit before recommending deals to Credit Risk Management for approval.
Digital: Implementing customers’ journey innovations that enhance customer engagements, sales approaches, new businesses, and services that broaden the relationship with the customer to the benefit of both parties. Innovations should fuel more interactions, create more information, and increase the value of the customer-brand relationship.
Industry Knowledge: In-depth understanding of multiple sectors of the economy: engagement with and contribution to policy, regulation, and industry forums both locally and internationally.
Networking Skills: Continuously builds and strengthens networks for the institution within all spheres of the economy within the region; at all levels of commerce, government, society, etc.
Sales Capability: Positions the institution as the preeminent provider of financial solutions within the bank’s chosen markets. Opens doors for sales opportunities and supports the closure of sales for complex and/or high-level and/or regional cross-border propositions.
Behavioral Competencies
Emotional Intelligence: Knows own strengths and limits; aware of own emotions and their effect on others and has the self-control to keep disruptive emotions and impulses in check. Adheres to the company’s values and policies and delivers to set objectives. Has high moral intelligence.
Social and Cross-cultural Awareness: Interacts with people (colleagues, customers, stakeholders, and the public) in different social and cultural environments, showing respect and positive regard for them in an ethical and appropriate manner consistent with the organization’s values.
Agile: Able to change plans, methods, opinions, or goals in light of new information, with the readiness to act on opportunities.
How to Apply:
