Relationship Manager - Asset Financing at Family Bank Ltd

Job Purpose

Acquire, consolidate, and retain Asset Finance customers by developing and maintaining strong business relationships through regular, proactive, and value-adding engagement. You will fully understand customer supply chain and management needs, proactively providing appropriate and mutually beneficial financial solutions. This role requires close collaboration with Branch Credit Management, Head Office Credit, Credit Analysts, SME Relationship Officers, Area Managers, Legal, Treasury, Investment Banking, Corporate, and other segment relationship teams.

Key Responsibilities

• Proactively identify and recruit Asset Finance customers within the designated region
• Build, consolidate, and maintain excellent relationships with Asset Finance customers
• Identify, establish, and maintain excellent relationships with Asset Finance Strategic Partners in respective regions
• Conduct relationship reviews and assessments at least twice annually to determine and address:
  • Customer satisfaction
  • Risk and credit review
  • Product usage and cross-sell penetration
  • Needs gap analysis
  • Multi-banking situations, if any
• Manage portfolio quality for the following metrics:
  • Renewal of insurance premiums before expiry
  • Growth of Asset Finance loans
  • Maintain Portfolio at Risk (PAR) below sector industry rate
  • Maintain Non-Performing Loans (NPL) below sector industry rate
• Organize educational seminars and workshops for existing and prospective customers to enhance customer loyalty
• Conduct external environmental scanning to assess relevant economic and county trends, legislative and regulatory influences, key suppliers, markets, customers, and competitors affecting Asset Finance customers' businesses
• Conduct competitor analysis in the region and industry, advising the business on pricing and product offering adjustments to remain competitive and relevant
• Cross-sell and advise on appropriate financial products and services