• Ownership of the credit loan book in liaison with the branch manager and oversee the credit control portfolio of the branch and provide branch-based financial products & services, follow up on pipeline of leads and to grow branch customer base through pro-active sales activities.

Key Responsibilities:

• Oversee the credit control function at the branch by enforcing adherence to the credit policy and procedures
• In charge of the branch loan book and collections.
• Provides leadership to the Relationship officers at the branch level.
• Be the custodian of a comprehensive set of Credit Risk Policies and Procedures at the branch; as well as recommend any necessary changes in the credit policy to senior management.
• Meet Business Banking sales targets both in number of accounts and volume and deposits through cross selling to existing customers and acquiring new customers.
• Generate new customers/ new company’s referrals from head office, existing customers, or personal connections
• Prepare target audience/lead lists and sales activities plans; implement and fill in accurately sales activities reports
• Conducts daily sales calls from prioritized lead lists with the objective of scheduling companies visits / customer’s meetings
• Conducts daily company visits/ customer meetings with the objective of acquiring new customers /selling bank products
• Receive, verify, and certify against original; all account application documents and forms from customer.
• Ensure compliance with the Data Protection laws, policies and procedures of the Bank.
• Check and verify the accuracy, completeness of the documents against the checklist provide according to product lines; KYC/AML compliance requirements.
• Follow up on accounts and products opening and process on system
• Communicate to customers on accounts declined
• Handling and monitoring customer enquiries and complaints effectively to ensure retention and loyalty

• To oversee the credit loan book portfolio of the branch and to provide branch-based financial products & services, follow up on pipeline of leads and to grow branch customer base through proactive sales activities.

Key Responsibilities

• In a branch without a Branch Relationship Manager, oversee the credit control function at the branch by enforcing adherence to the credit policy and procedures.
• In charge of the branch loan book in absence of the Branch Relationship Manager.
• Provides leadership to the Relationship officers at the branch level.
• Be the custodian of a comprehensive set of Credit Risk Policies and Procedures at the branch; as well as recommend any necessary changes in the credit policy to senior management.
• Meet Business Banking sales targets both in number of accounts and volume and deposits through cross selling to existing customers and acquiring new customers.
• Generate new customers/ new company’s referrals from head office, existing customers, or personal connections.
• Prepare target audience/lead lists and sales activities plans; implement and fill in accurately sales activities reports.
• Conducts daily sales calls from prioritized lead lists with the objective of scheduling companies visits / customer’s meetings.
• Conducts daily company visits/ customer meetings with the objective of acquiring new customers / selling bank products.
• Receive, verify, and certify against original; all account application documents and forms from customer.
• Ensure compliance with the Data Protection laws, policies and procedures of the Bank.
• Check and verify the accuracy, completeness of the documents against the checklist provide according to product lines; KYC/AML compliance requirements.
• Follow up on accounts and products opening and process on system.
• Communicate to customers on accounts declined.
• Handling and monitoring customer enquiries and complaints effectively to ensure retention and loyalty.

• Management of ongoing relationships with existing Public partners and where relevant, leverage those relationships to greater collective impact.
• Managing Strategic partnerships agreements within the Public Sector.
• Provide timely and accurate reporting of pipeline, strategic partnerships and management activities.
• Developing own strategy with clear action plans to ensure achievement of desired results.
• Growth of the existing deposit book as per the set organizational targets through growth of current accounts/collection business as well as wholesale deposits from the Public Sector.
• New client onboarding through the development and maintenance of a pipeline of prospective clients within Public Sector to ensure sustainable growth of the Portfolio.
• Identify and address assigned customer needs, ensuring that the overall service provided is in line with customer expectations and the terms of the service offer.
• Provide specialist information, guidance and advise to customers through the delivery of excellent customer service to resolve customer queries and achieve customer satisfaction.
• Prepare Customer sales coverage plans to ensure each relationship is managed according to the Equity Bank customer service charter with regular reviews of the customer portfolio to assess future needs and ongoing fee/income potential.
• Identifying and developing new business proposals efficiently and expeditiously to ensure that potential new business opportunities are not lost to competitors.
• Ensure adherence of all bank’s prescribed processes, standard operating procedures and central bank requirements.
• Ensure great working relationship with team members for overall achievement of departmental goals.
• Ensures that all new businesses are in line with AML/KYC and CTF laws and regulations and customer information is regularly updated.
• Ensure adherence of all bank’s prescribed processes, standard operating procedures and central bank requirements.
• Role Models the Brand and Corporate Values of the Bank both internally and externally.
• Works as part of a team for the purpose of winning together.
• Proposal Writing
• Market Intelligence
• Internal and External Stakeholder management
• Product Development