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Relationship Manager, Mortgages

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Company: Sidian Bank

Job Purpose:

The Relationship Manager, Mortgages, is responsible for driving the growth and management of the bank's mortgage portfolio. This includes developing and marketing mortgage products, onboarding new clients, managing relationships, and ensuring compliance with lending guidelines. Additionally, the role involves providing technical support to internal teams and clients, maximizing business opportunities, and ensuring alignment with organizational objectives.

Key Responsibilities

1. Business Development

  • Actively market and promote the bank’s mortgage products to prospective and existing clients.

  • Identify and onboard new mortgage customers, ensuring a growing and sustainable portfolio.

  • Develop and maintain relationships with key partners, including real estate developers, property valuers, and financial advisors, to drive referrals.

  • Conduct market research to understand customer needs, industry trends, and competitor offerings.

  • Design and implement tailored solutions for clients, ensuring alignment with their financial goals.

  • Cross-sell complementary bank products and services to enhance client value.

2. Portfolio Management

  • Monitor the performance of the mortgage portfolio to ensure alignment with organizational targets.

  • Conduct regular client reviews to assess financial needs and adjust solutions accordingly.

  • Manage delinquency rates through proactive client engagement and monitoring.

  • Provide timely and accurate portfolio performance reports to management.

3. Customer Support

  • Guide clients through the mortgage application process, from pre-qualification to disbursement.

  • Offer professional advice on mortgage financing, including interest rates, repayment schedules, and associated costs.

  • Respond promptly to customer inquiries and provide solutions to issues during the mortgage journey.

4. Training & Capacity Building

  • Train branch staff on mortgage products, processes, and customer engagement techniques.

  • Provide technical support to internal teams to enhance service delivery and sales effectiveness.

5. Personal Leadership & Development

  • Demonstrate motivation, self-reflection, and a commitment to continuous learning.

  • Communicate effectively, listen actively, and respond with understanding and respect.

  • Deliver customer-focused services aligned with organizational objectives and adhere to service level agreements (SLA) and turnaround times (TAT).

  • Collaborate with team members and contribute to collective success.

  • Stay updated on staff communications, attend meetings, and actively participate in development programs.

  • Adhere to bank policies, procedures, and codes of conduct while fostering a conducive work environment.

  • Address and close audit deficiencies within stipulated timelines to ensure compliance.

  • Uphold the bank's brand values as a Sidian Bank ambassador.

Qualifications

Academic Background

  • Bachelor’s degree in Business Administration, Finance, or a related discipline.

  • Master’s degree in Strategic Management or a similar field is an added advantage.

Work Experience

  • At least 5 years of experience in banking, with a minimum of 3 years in mortgage or relationship management.

  • Proven track record in developing and managing mortgage products and portfolios.

  • Strong experience working with real estate developers and property professionals.

Skills & Competencies

  • In-depth knowledge of mortgage financing, property markets, and valuation processes.

  • Excellent communication, interpersonal, and business presentation skills.

  • Strong financial analysis, credit assessment, and problem-solving capabilities.

  • Comprehensive understanding of credit, legal (conveyancing), and lending processes.

  • Familiarity with the Banking Act, CBK prudential guidelines, and credit policies.

  • Exceptional negotiation and networking skills.

Professional Certification

  • Diploma in Banking – AKIB (added advantage).

  • Professional certifications in Risk Management, Credit Analysis, or AML Compliance are a plus.

  • Certification in Real Estate Financing is an added advantage.

How to Apply:

To apply, fill out the job application form at the link below:
Apply Here

Note: Ensure your application includes all necessary documents, including your CV and relevant certifications.

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Sidian Bank

K-Rep Centre,Wood Avenue, Kilimani

Sidian Bank is a full-service commercial bank providing an array of financial services to individuals and enterprises, and has been a leading player in Kenya’s enterprise banking sector.
The bank, formerly known as K-rep Bank, has its origins within K-rep Group, an investment vehicle which was established in 1984 as a project that supported the development of Small and Micro Enterprises through NGO managed programs. In 1987, the project was incorporated as a local NGO. 1989 saw the company change its strategy from supporting NGOs with grants and technical assistance to directly advancing loans to NGOs.
In the same year, K-rep Group established a micro-credit lending program which became its core business and growth area. It also expanded its activities to include research and product development, as well as changing its Technical Assistance (TA) activities to a for-a-fee capacity building service.
In 1999, K-rep Group established K-Rep Bank and two other entities; K-Rep Development Agency to carry on its research and development work and K-Rep Advisory Services to serve as its consulting wing.
In November 2014, Centum Investment Company Limited acquired majority shareholding of K-rep Bank, making it a subsidiary of Centum.
In early 2016, the bank rebranded to Sidian Bank.