Relationship Manager

The Relationship manager is primarily responsible for driving profitable volume growth through value-added sales and service of Commercial / SME customers. They target and manage an assigned portfolio of customers within the commercial credit business segments.

The key challenge in this role is to manage both existing portfolios and grow new corporate relationships while identifying early warning signs that could affect portfolio health.

Tasks and Responsibilities

You are required to comply at all times with your contract of employment and all policies procedures rules handbook and similar documents applicable to you as an employee of Habib Bank Zurich Plc. As a certified person you should have particular regard to the following responsibilities:

Balanced Scorecard Responsibilities

Application of the balanced scorecard approach within the branch establishing strong processes around Customer Colleague Control and Commercial.

Colleague Objectives

• Coaching and training RM/RSOs ensuring all KPIs are managed as per the business scorecard
• Providing Quality Assurance support with stakeholder units
• Preparing and presenting cases to the Country Credit Committee
• Maintaining robust personal diary management
• Driving employee engagement and adherence to HBZ behaviors model

Customer Objectives

• Portfolio management of branches and adherence to TCF guidelines
• Customer networking and managing client appointments
• Trade & FX referrals to the business
• Sirat referrals for clients seeking Islamic Banking solutions
• Achieving targeted account opening volumes

Commercial Objectives

• Delivering targeted asset growth of the branch balance sheet
• Delivering targeted deposit growth of the branch balance sheet
• Negotiating client proposals for assets and deposits
• Submitting proposals to internal credit and account opening teams
• Disbursing lending in accordance with branch targets

Control Objectives

• Managing credit renewals within bank policy and timescales
• Ensuring compliance entries and transactions are monitored in line with policy
• Completing Enhanced Due Diligence within required timescales
• Monitoring excesses on key accounts and managing all KRIs
• Ensuring SLAs for account openings are met in line with business policy

Branch / HoBB Support Activities

Supporting RM/RSOs with complex credit case enquiries as a subject matter expert (not case checker)Assisting HoBB with MI meeting administration minutes and ad hoc presentations

Engaging with branch champion activities (e.g. moratorium projects rota planning)Championing MI for the branch and supporting data analysis

Acting as a point of reference for new interns for project support and training