Assistant Relationship Manager; Agri Retail (Fixed Term – 2 Years)

Job Purpose

To support Relationship Managers in maintaining and strengthening client relationships. Support Agri Retail team in terms of pre and post-approval credit processes, as well as coordinate Agri Retail reports, including analysis, interpretation, and recommending appropriate solutions to improve processes and portfolio quality.

Main Responsibilities

• Prepare offer letters and other mortgage documents while ensuring approval conditions are captured and liaise with Credit/Legal departments on the same.
• Provide day-to-day assistance to clients, addressing their inquiries and solving any issues that arise.
• Perform secretarial duties in departmental meetings and ensure timely execution of agreed actions.
• Prepare necessary reports and documents for internal and external stakeholders including Bancassurance, Credit, Quality Assurance, Auditors, and BOT examiners, etc.
• Assist in managing client accounts, including monitoring account activities and transactions.
• Prepare periodic reports on the quality of Agri Retail loan portfolio, compliance to post-approval credit conditions, and documentation for management and respective forums/committees.
• Monitor loan, overdraft, and off-balance accounts via daily reports and liaise with Relationship Managers on expiring, non-performing, and over-limit facilities for corrective actions.
• Act as a liaison between the client and the Bank, ensuring smooth and effective communication.
• Liaise with Relationship Managers to ensure borrowers' credit documentations such as insurance policies, valuation reports, land rent receipts, and interim/annual reviews are done and kept up to date.
• Liaise with Relationship Managers and branches to ensure accounts in arrears have a proper action plan including reminder letters, demand notices, rescheduling, restructuring, etc.
• Assist Relationship Managers in onboarding new clients, making sure the process is seamless and all necessary information is collected and processed appropriately.
• Daily review of ‘unauthorized overdraft accounts, arrears, and repayment due between’ reports and follow up with Relationship Managers and branches to ensure borrowers adhere to their loan repayments dates and overdraft limits.
• Daily review of arrears report and liaise with relationship managers to ensure all accounts with over 90 days in arrears have been downgraded to Special Assets Management (SAM) for recovery actions.
• Conduct market research to provide insights and support the Relationship Managers in crafting strategies that benefit clients.

Knowledge and Skills

• Excellent communication skills (both written and spoken) in English & Swahili.
• Sound understanding of Business Banking products and services.
• Knowledge of Core Banking Operating System (Flex cube) and Business Intelligence (BI) system.
• Strong computer skills proficient in outlook, word, excel & power point.
• Excellent interpersonal and networking skills for both internal and external customers.
• Ability to effectively prioritize, manage multiple projects in a fast-paced environment and execute tasks in a high-pressure environment.
• Well-developed analytical, quantitative, and problem-solving skills.
• Independent, team player with the ability to work under minimum supervision.
• Knowledge in reviewing and/or drafting legal contracts.

Qualifications and Experience

• Bachelor's degree in Banking, Finance, Accounting, Economics, LLB, and/or other related fields.
• One Year relevant experience in Retail Banking/Credit/Legal department.

NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender-balanced workforce. Female candidates and people living with disabilities are strongly encouraged to apply for this position. NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it.