Branch Relationship Officer at 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.
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.
Ideal Job Specifications
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.
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