Relationship Manager - Institutional Banking
Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.
Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending funds advanced from First Permanent East Africa Limited (FPEA). Operations were restricted to the zoned residential areas within Nairobi and Mombasa.
Deposits of FPEA in Kenya were transferred to HFCK while the Tanzanian and Ugandan deposits were transferred to The Permanent Housing Finance Company of Tanzania and the Housing Finance Company of Uganda respectively.
Principle Accountabilities
- Business planning and growth within government and quasi government institutions.
- Undertake market situation analysis to identify new business opportunities.
- Understand customers' businesses and anticipate their requirements.
- Match customers' needs with HFC product capabilities through presentations and proposals.
- Negotiate terms and conditions with customers to maximize revenue and profitability.
- Offer need-based solutions to meet the specific investment needs of our customers and prospects.
- Conduct joint calls with schemes and IB RMs to ensure proper management of the value chain.
- Ensure smooth deal implementation and while maintaining high levels of service quality.
- Identify opportunities for cross selling and referrals to other HFC business lines through developing a good understanding of client needs.
- Ensure the best in class in terms of quality of customer experience, sales, turnaround time and productivity standards.
- Continuously provide feedback on the acceptance of the products in the market and suggest changes that could improve uptake.
- Operational risk controls and procedures.
- Adhere to set guideline and processes to avoid mis-selling, misrepresentation, fraud and ensure adherence to customer data confidentiality principles.
- Adhere to all KYC guidelines and procedures, comply with local regulatory requirements, reflect best practices.
- Comply with all applicable money laundering prevention procedures and, in particular, report any suspicious activity to the Unit Money Laundering Prevention Officer.
- Tracking and monitoring of TAT and errors to ensure the minimum threshold is met.
Key Competencies and Skills
- Computer /IT skills, including knowledge of Microsoft office applications e.g. Word; Excel; PowerPoint etc.
- General knowledge in banking processes.
- Excellent written and oral communication skills.
- Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
- Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
- Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention and problem-solving skills.
- Basic analytical ability with active listening skills.
- Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
- Ability to maintain confidentiality of sensitive information.
- Willingness to adapt to changing business needs and deadlines.
Minimum Qualifications, Knowledge and Experience
- Bachelor’s degree.
- Minimum of 5years’ experience in sales preferable within the Banking Industry.
- Demonstrate knowledge of banking operations.
- Problem solving and analytical skills.
- Demonstrate integrity and ethical standards.
- Attentive to detail.
Method of Application
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