Job Vacancies at HFC Limited

Reporting To: Branch Business Manager

Overall Job Purpose

The Branch Business Consultant will be responsible for selling Liabilities and Assets in order to grow the Branch Business.

Principle Accountabilities

• Cross selling of HFC Banks products by establishing new relationships in order to grow both assets and liabilities book.
• Maintaining customer relation by regular contact to ensure customer satisfaction business continuity
• To review accounting opening forms and loan applications by scrutinizing the documents to ensure they are KYC Compliant.
• To check data entry by verifying the data captured against source documents to ensure accuracy in data capture.
• To analyze mortgage loan applications by interviewing the customers.
• To identify customers borrowing needs by interviewing so as to ensure selling of the right mortgage product.
• To safeguard bank assets by being a dual custodian to minimize frauds and losses

Minimum Qualifications, Knowledge and Experience

• A Business related degree from a reputable institution
• Atleast 3 years in the Banking Industry
• Strong appreciation of banking Products.

Key Competencies and Skills

• Ability to work independently under strict deadlines.
• Excellent selling skills and negotiation skills
• Practical experiences in use of MS Office applications.
• Must have good interpersonal skills and communication skills (both oral and written).
• Results oriented, problem analysis and problem-solving skills.
• Demonstrated good planning and organizational skills.
• Good listening skills.
• Attention to detail and accuracy.
• Must be a team player and have integrity.

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Reporting To: Branch Manager and Head of Personal Banking  

Overall Job Purpose

The Relationship Manager will be responsible for servicing and managing client relationships under Ultimate Banking by engaging them, identifying their needs and providing them with the appropriate products, services and solutions from the entire range of HF Banking products and is responsible for driving profitable revenue and volume growth from their portfolio with a focus on new acquisition, deepening of existing customer relationships and cross sell thereby increasing customer share of wallet with the Bank.

Principle Accountabilities

Relationship Management & Customer Service

• Provide High Net Worth (HNW) clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank, and build client loyalty.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis.
• Ensure clients are aware of all the Privileges & Solutions offered under Ultimate Banking.
• Ensure clients are aware of all financial services offered by the bank- drive full service bank agenda.
• Use systems effectively for customer contact management, sales and service activity.
• Ensure delivery of service promise for improved customer satisfaction levels.
• Minimize client attrition.
• Ensure set Complaint Management processes are followed and TATs are met.

Business Development

• Source New Business from Ultimate Banking clients through referrals, marketing activities and personal contacts.
• Develop the Ultimate banking customer base and expand the unit’s business growth through marketing of the Ultimate banking products and services.
• Enhance HF Ultimate Banking sales/ revenues and promote cross selling of bank products to all existing clients.
• Achieve Revenue goals, Sales and Portfolio growth targets across a range of products and services.
• Achieve Product Holding per customer growth targets
• Ensuring revenue growth through customer acquisition, new need identification, product cross-sell and re-engineering increased product usage for existing clients.
• Participate in SME and Institutional Bank customer calls for marketing initiatives.
• Drive segment based focus products agenda and conduct branch product trainings.
• Complete training programs allocated in line with your Role

Controls

• Ensure that the target market selection criterion is adhered to and that we are in full compliance with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements.
• Strong responsibility for ethical selling to customers with complete disclosure about products and services.
• Ensure Portfolio allocated is closely monitored and actions recommended are diligently executed.
• Ensure required approvals are obtained before authorizing payments.
• Monitor overdrawn accounts/ overdue loans and follow up for clients to regularize.
• Ensure accounts are not overdrawn without authorization.
• Adhere to set processes and procedures.

Minimum Qualifications, Knowledge and Experience

• A Bachelor’s degree in a business related field
• A Master’s Degree will be an added advantage
• Retail Banking Associate (RBA UK)
• Customer Relationship Management Course
• CISI Certified Level 1 will be an added advantage
• Minimum 3 years’ experience in similar job with a financial services institution.

Key Competencies and Skills

• Knowledge of Banking and Business Operations: Well round knowledge of ALL the Bank’s operations and processes and excellent knowledge of Bank policies and procedures
• Audit Standards and Legislations: Good knowledge of International Accounting and Audit Standards, and Legislations.
• Compliance and Regulatory Framework: Good understanding of the regulatory issues, reporting and operational requirement as provided by CBK, KRA, KIB, etc.
• Conceptual and Analytical Skills: Ability to quickly grasp and understand systems and keen to detail.
• Intricate understanding of products pertaining to HNW customers both internal and external (competitors).
• Basic market knowledge of various investment vehicles / markets/ economics.
• Strong interpersonal skills and appreciation for diversity.
• Team player with ability to train, develop and mentor junior staff.
• Relationship Management skills.
• Networking Skills.
• Communication and Interpersonal Skills: Ability to build rapport easily with customers, have well developed oral and report-writing skills, and have the ability to work individually and as part of a team.
• Results and Achievement Oriented: strives to achieve results, enjoys measuring others, being measured, and being judged on performance standards.
• Personal Ethics: Must be honest, fair, just but firm with himself, and of high integrity.
• Negotiation Skills: Must be a good negotiator, particularly in changing behavior and work practices but always seek a Win/Win outcome.
• Extrovert/ Amiable personality