Responsibilities

SALES, SERVICE AND CUSTOMER RELATIONSHIP MANAGEMENT

  • Managing and leading Customer Relationship
    • Managing all Asset Finance customer relationships, dealing with issues proactively and reactively
    • Working in close cooperation with Relationship Teams, to provide a world-class Asset Finance offering to customers
    • Managing dealer, Insurance Companies and supplier relationships
    • Making product presentations/ proposals to prospective customers
  • Deal structuring
    • Supporting Relationship Teams, structuring deals to best advantage for the Bank and customers
    • Negotiate transactions with customers.
    • Structure asset finance facilities to suit customer needs.
  • Sales
    • Delivering excellence in sales, developing new leads from outside the Bank
    • Using the existing corporate network to maximize sales to Bank customers
    • Performing to plans as agreed, to drive profitability and increase market share
    • Developing the profile of KB Asset Finance
    • Developing and maintaining a Sales database
    • Maintaining a hit list and sales deal pipeline
    • Achieving the Asset Finance targets as set
    • Driving the growth of the Asset Finance book and income
    • Leverage on the bank’s branch network to drive sales
    • Support marketing of special dealer schemes
    • Enhance repeat business by marketing to customers about to liquate their facilities
  • Liaison with Relationship Teams
    • Support Business Teams in the development and implementation of new Asset Finance products and services
    • Hosting customer meetings to sell Asset Finance & IPF, to ensure maximum structuring benefits are achieved
    • Training and development, coaching of corporate and retail staff to ensure awareness of Asset Finance
  • Relationship building
    • Building relationships across the business, both internally and externally
    • Liaising with staff at all levels up to support asset finance business
    • Building relationships with KB Sales team to encourage sales of the product set
    • Maintaining good relationship with motor vehicle dealers
    • Ensure outstanding issues between the dealer and the bank are quickly resolved

BUSINESS MANAGEMENT

  1. Risk Management
    • Managing own portfolio of the Asset Finance & IPF, ensuring that risk profiles (book mix) are managed by sales of the correct products within approved risk management criteria
    • Working in close relationship with Credit Department and Relationship Teams in processing AF credit applications
    • Support Business Teams pursue appeal to Credit Department on deserving cases that may have been unfairly declined
    • Coordinate with Credit Department to ensure applications are processed within agreed TAT and escalate violations to the Head of Business.

 

  1. Training & development
    • Responsibility for training and development for Business Development relationship managers
    • Responsibility for the training and development of other Bank staff
    • Training asset finance product to motor vehicle dealers
    • Training asset finance product to Business Bankers and Branch Managers

OPERATIONAL MANAGEMENT

  1. Administration
    • Monitoring functions to ensure smooth running of day-to-day operations
    • Ensure complaints procedures, queries, escalation dealt with effectively
    • Carry out physical checks of financed assets
  2. Reporting
    • Adherence to monthly reporting requirements and deadlines and any other ad hoc reports as per the demand.
    • Identifying issues and escalating appropriately
  3. Profit center
    • Responsibility and accountability for the unit’s cost center and budget
  4. Documentation
    • Work in close cooperation with the Business teams to ensure all necessary documentation is completed and all the procedures have been adhered to prior to AF undertaking/ drawdown.
  5. Checks
    • Responsibility for adherence to Policy & Procedures
    • Asset Register maintained and correct
    • Reconciling records with registration documents
    • Undertaking periodic checks to ensure adherence with Policy & Procedures
    • Verification that corrects deal procedures are undertaken
    • Responsibility for adherence with IT security procedures
    • Responsibility for giving input to update the AF policy document
    • Participation in AF & IPF projects

  1. Arrears and PAR Management
    • Work in close cooperation with Business teams and Risk to ensure that impairments and losses are kept at a minimum
    • Ensure recoveries for own portfolio are done daily and maintain the NPL to below set targets

Qualifications

  • A university degree in a Business-related area.
  • Experience in Marketing and Sale of Asset Finance.
  • Experience in Customer service/Relationship Management.
  • A thorough knowledge of SME Products, Other KB products and services, and extensive Banking Industry knowledge.
  • Excellent interpersonal and negotiation skills with the ability to network, generate new business and develop strong business relations.
  • Strong leadership skills with demonstrated competence in championing high performance management.
  • A good understanding of risk, credit policies and procedures.
  • Excellent Planning and organizational skills coupled with very strong communication and questioning skills