Business Management
A. Portfolio Management
- Credit Analysis: Carry out comprehensive financial and non-financial analysis on customers financial statements as part of a complete credit analysis report on existing and new credit requests (working capital facilities & Term Loans which entails preparation/review of projections in line with industry trends as well as customer profile), and timely renewal of existing relationships ensuring effective decision making by the bank.
- Asset Growth: Increasing the bank’s Assets through penetration into the client’s advances wallet for both existing and new clients, resulting in NRFF growth.
- Improvement in Trade: To ensure routing of maximum import and export business by critically analyzing the trade wallet of the client and adherence to an agreed minimum trade reciprocity ratio.
- FX business: Capturing various treasury product streams including trade, fixed income, and derivatives business with existing and prospective relationships to ensure high yielding FX deals.
- Deposit Growth: Tapping and mobilizing into low cost corporate funds through existing and prospective clients thereby maximizing the banks deposit generation strategy.
- Housekeeping: Ensure that all related administrative functions, including file maintenance, regular stock inspections, call reports, periodic appraisals are performed frequently thereby adhering to the internal, external audit policies and regulations resulting in satisfactory audit ratings..
- Audit & Compliance: Conduct due diligence on transactions and processes in order to determine the risk profile in compliance with relevant regulations and adherence to laws, regulations, policies & procedures set by external & internal regulators, resulting in avoidance of penalties and objections while maximizing portfolio health
- Quality of Assets: Closely monitoring the performance of accounts within their portfolio to detect early warning signals in order to achieve higher levels of quality through minimizing defaults and provisions against the asset portfolio.
B. Prospecting New to Bank opportunities
Originate and convert prospective opportunities into profitable New to Bank (NTB) relationships enhancing market coverage and strategy optimization.
C. Cross-Sell
Ensure marketing the full suite of products and services offered by the Bank to existing and prospective clients ensuring a minimum cross sell ratio of 3x and creation of multiple revenue streams for the bank.
D. Leveraging Bank Network
Synergize with product and network partners to refer/capture existing and potential Client group relationships to banks footprint to capitalize on global business opportunities thereby benefiting the bank on a holistic basis.
Client Management
A. Quality of Service
- Establish standards: Evaluate the banks relationship management strategies, review regulatory requirements and research best practices to define and recommend policies to support the delivery of unparalleled customer service.
- Effective communication: Conducting frequent business calls to review client’s service levels in order to identify shortfalls and recommend actions to improve performance through identifying and escalating customer feedback relating to process and system issues.
- Consistent service: Lead the relationship with product partners, through monitoring performance and taking appropriate action to ensure agreed service standards are consistently delivered.
B. Complaint Resolution - Resolve issues/queries independently and recommend alternative sources/courses of action if unable to assist, to ensure that efficient, day to day customer service is delivered.
Resource Management
A. Personal Development: Taking initiatives to enroll and participate in training and learning opportunities in building personal skillset and expertise.
B. People Development: Guide, Counsel and advise Relationship Managers / Assistant Relationship Managers in their roles, internal bank policies and external regulations.
Minimum Educational Qualification:
University Degree in Finance / Accounting / Economics / Banking or equivalent.
Minimum experience:
Minimum of 7-8 years of experience in relevant work (such as relationship management and credit analysis in a financial institution).