Portfolio Manager at NCBA Group

The role holder is required to support in management and maintenance of a portfolio of customers within assigned market segments by analyzing the portfolio to establish any trends and advise the Relationship and Branch teams of any matters arising that may affect the portfolio.

Key Accountabilities (Duties and Responsibilities)

Financial 45 %

• This position is responsible for achievement of the assigned portfolios annual financial targets.
• Achieve agreed revenues targets
• Identify potential small and medium SMEs in the Business Banking portfolio/Branch managed book (VSE) and seek the opportunity to cross sell or upsell.
• Support the growth and development of Very Small Enterprises (VSE) portfolio through various initiatives and strategies.
• Help resolve credit problems, delinquent payment issues and other related affairs.
• Review current account status, to include but not limited to past due accounts and notes matured. Make appropriate recommendations for these accounts.
• Initiate credit calls with existing potential customers while
• keeping a record of all customer calls.
• Foster effective working partnership with Business Banking Relationship Management team, retail staff, branch business and other partners with a view to grow the business.
• Prepare BB portfolio activity reports for management as needed.
• Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activities reports, weekly past due reports. Report deteriorating credit situations in a timely manner
• Work with the relationship management team to modify and or restructure existing loans as needed.
• Effectively monitor portfolio for revenue opportunities and or loan exposures.
• Handle all matters related to audit and compliance in relation to the business banking portfolio
• Ensure adherence to credit and other policies, guidelines and regulatory requirements.
• Foster effective working partnership with Business Banking Relationship Management team, retail staff, branch business and other partners with a view to grow the business.
• Prepare BB portfolio activity reports for management as needed.
• Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activities reports, weekly past due reports. Report deteriorating credit situations in a timely manner
• Work with the relationship management team to modify and or restructure existing loans as needed.
• Effectively monitor portfolio for revenue opportunities and or loan exposures.
• Handle all matters related to audit and compliance in relation to the business banking portfolio
• Ensure adherence to credit and other policies, guidelines and regulatory requirements

Customer 30% 

• This position is responsible for driving customer satisfaction, identifying opportunities for business development and providing insightful feedback on the assigned portfolios that help in the customization and development of solutions.
• Demonstrate NCBA bank values
• Monitor and assess activities of our competitors to proactively satisfy and retain our clients.
• Provide feedback to management and stakeholders in respect to portfolio activities.
• Provide reports of VSEs referrals, non RM Managed asset finance referrals, NPL & PAR reports and proposed mitigations.
• Adherence to SLA.
• Adopting and developing a network of strong partnerships with the Business and Business Support teams and other functions of the Bank.

Internal business processes

• This position is responsible for adhering to approved policies and procedures and providing feedback on the same to keep them competitive.
• The jobholder will embrace a digital way of working that result in efficient and impactful engagement and accurate delivery of service.
• Ensure all annual reviews of Overdraft and other Credit limits are undertaken promptly.
• Achieve the set PAR and NPL targets
• Satisfactory audit rating.
• Prepare portfolio activity reports (Accounts under watch, Early Alert, pipeline reports, restructure) for management and portfolio review meetings (MCC, BCC etc) as needed.
• Liaise with the Business Analytics Team and Credit Portfolio Team to ensure the right provision numbers are mapped to Business Banking portfolio.
• Ensure BB write backs are promptly and correctly mapped in the Balance sheet
• Ensure segmentation rules are observed and review any proposed changes.
• Develop strategies/triggers to monitor, reduces BB NPL and PAR
• Allocate new asset finance approvals to RMs for deepening and follow up for closure.
• Collection and Recovery targets
• Portfolio data on the core banking and credit systems is accurate.

Learning and growth

• This position is responsible for delivering the performance objectives set and managing his/her own learning and development to build capacity and avail him/herself for coaching and training opportunities.
• Attain required learning hours and adhere to policy on annual leave

Operating Environment

• The position holder is expected to regularly work within the office environment liaising with internal stakeholders and support functions. 

Academic:

• Bachelor’s Degree in business related field.

Professional:

• Credit skills, sales and Knowledge of Business Banking products and policies is an added advantage

Desired work experience:

• 5 years banking experience in a bank or lending setting and or training or equivalent combination of education and experience.
• Working knowledge with Microsoft office
• Credit skills and Knowledge of Business Banking products and policies is an added advantage
• Good working experience with all Bank systems i.e. T24, Credit Quest, CRM , Vision , IBPS

NCBA Bank Core Value Behaviours (Performance Drivers)

• DRIVEN: - We are passionate, make bold decisions and learn from our failures. We seek new challenges and appreciate different views constantly raising the bar. We explore our full potential.
• OPEN: - Our interactions are candid, honest and transparent. We listen to each other and our clients. We are inclusive and always respect each other.
• RESPONSIVE: - We are proactive, act quickly and resolutely to deliver results. We put our customer’s interests at the heart of all that we do. We keep it simple and seek new ways to improve.
• TRUSTED: - As a trusted partner we do what is morally right always. We keep our word. We are accountable and believe in each other.

Technical Competencies

• Advanced Credit skills and portfolio management knowledge
• Great oral and written presentation skills
• Customer oriented and team player
• Strong sales, negotiation and persuasion skills
• Understanding of financial/banking products, services, procedures and policies, especially
• KYC and AML procedures.

Closing on: Mar 27, 2022