Relationship Manager - Commercial Banking

• Put in place annually an approved target market document with complete information on customer segmentation target names products services revenues and profitability.
  
• Deliver set targets for deposits risk assets transactions and revenue and the effective management of clients.
  
• Target assigned customer segments within allocated time and call frequency to generate profitable sales.
  
• Ensure proper booking of all transactions of customers including deposits loans revenues and costs.
  
• Continually seek new opportunities to market services and bring in new customers by thoroughly understanding the marketing and economic environment.
  
• Maximum NPL of 3% of portfolio.
  
• Track and maintain allocated performance records including sales tracker deposits risk assets provisions incomes costs and all relevant performance indicators on a daily weekly
  monthly quarterly and annual basis.
  

• Deliver agreed customer and product sales wallet share and profitability targets.
  
• Create and monitor customer sales program.
  
• Achieve minimum of 5 products per customer.
  
• Responsible for keeping self and supervisors up to date on competitor data and feedback provided for product and service changes or development.
  
• Achieve minimum customer satisfaction rating of very satisfied .
  
• Deliver appropriate product solutions and services to customers in order to deliver at least 75% of customer s wallet.
  
• Develop strong internal relationships to support the successful servicing of customers and the delivery of sales targets.
  
• Build a strong local profile for self and bank through positive involvement in community activities.
  
• Own customer complaints and resolution process in portfolio and collect all past due obligations.
  
• Advice/update customers on all tariffs policies procedures and any other changes to products or accounts.
  
• Ensure proper authorisation and contact customers with regard to confirmation limits and any other account management issues.
  

• Ensure all credit transactions and credit files in portfolio comply with the spirit and the letter of all applicable laws regulations and institutional policies.
  
• Ensure compliance with operations risk e.g. KYC and antimoney laundering measures plus any other Group controls.
  
• Ensure all credit lines are current and all credit transactions are duly approved per policy within acceptable TAT.
  
• Constantly monitor credit portfolio to ensure maximum of 3% NPL.
  
• All files with PDO/Arrears position of over 30 days will be submitted to Remedial Unit with forwarding memo and copy signed by Remedial and kept in the branch
  
• Operate within the set expense budget on a customer by customer basis.
  

• Follow up on all pending transactions and ensure completion.
  
• Maintain customer profiles and files
  
• Submit the following in a timely manner; daily planner call memos sales plans forecasts expense refunds etc.
  
• Provide feedback on performance of service providers.
  
• Provide feedback to various sectors on the performance of staff e.g. IT Operations etc.
  
• Provide cover for other account managers or sales Managers when necessary
  
• Provide honest feedback on performance of colleagues
  
• Share knowledge and best practice with team members
  

Requirements

• Bachelor s Degree and above
  
• Preferred Education Degree in Sales and Marketing or Commerce
  
• Minimum 2 Years of Experience at Account Relationship Officer level
  
• Sales Experience in Financial Environment
  
• At least 5 years of satisfactory service 3 of which must have been as a Relationship Manager
  
• MUST be well versed with the Bank s credit policy and procedures
  
• Strong marketing and business development acumen
  
• Strong customer service orientation/management
  
• Credit Appraisal Skills
  
• Account Management Skills
  
• 
  COMPETENCIES REQUIRED
  
• Customer Service Interpersonal Skills Analytical and attentive to details
  
• Communication Relating & Networking Dynamic and Self Driven
  
• Planning & Organizing Problem Solving Skills Business Acumen