I&M Bank is a wholly owned subsidiary of I&M Holdings Limited, a publicly quoted company at the Nairobi Securities Exchange (NSE). The bank possesses a rich heritage in banking. Job Summary The Assistant Relationship Manager (ARM) works  with allocated  Relationship Managers (RMs) to originate, structure and service Mid-SME customers & portfolio. The ARM jointly with RM carries the credit preparation, documentation, portfolio monitoring and customer service load of the paired portfolio. The role is also a  primary development pipeline for future Relationship Managers. Key Responsibilities: Business Origination and Growth Support the paired RM in meeting targets for customer acquisition, deposits, asset growth, fee income and cross-sell. Prospect and qualify leads from branches, referrals, ecosystems and the Bank’s partnerships, and maintain an accurate pipeline. Prepare customer meeting packs, proposals and pricing for RM review. Identify cross-sell opportunities across trade finance, treasury, insurance, cash management and digital channels. Credit Preparation and Portfolio Management Gather financial statements, KYC and security documents, and prepare credit applications and appraisal memos for RM review, to the Bank’s credit standards. Analyse customer financials, including cash flow, DSCR and gearing, and highlight key risks and mitigants. Track facility conditions, covenant compliance, renewals, reviews and security perfection on the paired portfolio. Monitor account conduct, arrears and early-warning triggers daily, and follow up with customers promptly. Support recovery and restructuring actions on stressed accounts with the RM and Credit. Customer Service and Operations Serve as the day-to-day contact for customers on queries, disbursement, documentation and account maintenance. Coordinate with Credit, Operations, Legal and Trade teams to meet agreed SLAs. Resolve customer complaints and escalate unresolved issues to the RM and Cluster Manager. Branch Collaboration Work with Branch Managers and Relationship Officers to convert branch referrals into Mid-SME business. Provide guidance to branch teams on Mid-SME product requirements and documentation. Governance and Compliance Comply with credit policy, KYC/AML, operational risk and data protection requirements. Keep CRM, pipeline and portfolio records accurate and up to date. Submit timely activity and performance reports to the RM and Cluster Manager. Perform any other duties assigned by the Cluster Manager. Requirements Academic & Professional Qualifications  Bachelor’s degree in a business-related field. Progress towards a professional qualification (CPA, ACIB or similar) is an added advantage. Work experience At least 3 years’ banking experience, including at least 2 years in credit, SME or commercial banking. Demonstrated ability in credit analysis and preparation of credit memos. Key Competencies and Skills Strong financial analysis and credit judgement. Attention to detail, with accurate and timely documentation. Good communication and customer service skills. Planning and organising skills, with the ability to manage multiple deadlines. Teamwork, and willingness to learn from and support the paired RM. Initiative and ownership of assigned accounts. Last date to apply  30 Oct 2026