Relationship Manager – Retail Banking

The Relationship Manager is responsible for developing and maintaining relationships with a portfolio of Retail and SME customers and be key personnel within the company for these customers. The Relationship Manager needs to conduct business reviews, sales research, customer relationship development using market and industry information and risk management for the portfolio to ensure that customers are satisfied with their products and services and promote cross selling.

·     Develop and work closely with Business Center managers to manage a portfolio of both retail and SME clients with a view of developing mutually beneficial business opportunities.

·        Maintain and improve upon the service delivery to Business Center customers - specifically to the allocated customer's portfolio and generally to all the customers/prospects of the bank.

·        Conducting business reviews to ensure customers are satisfied with their products and services.

·        Conduct all sales & service activities within the Risk & Compliance parameters as defined by the bank.

·        To proactively promote and sell the banks products and services, by assessing local market conditions, catchment area, identify current and prospective sales opportunities while getting involved in additional marketing activities.

·        Acquire New to Bank (NTB) customers through proactive sales calling/meetings/Site visits based on defined objectives.

·        Carry out follow ups on excess, arrears and expired facilities as well as take appropriate actions in consultation with the Business Center Manager.

·        Acquisition of profitable new customers for business through the creation, development and maintenance of high-quality advisory relationships that includes effective consultative selling and need based selling of financial solutions (within segmentation boundaries).

·        Establish new borrowing relationships and preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.

·        Prepare credit proposals or reviews and submit recommendations to the appropriate approval committee.

·        To attend fairs, events, programs to promote the Banking products and services to customers and enhance the image of the Bank.

·        Develop appropriate operational relationships with customers across functions and ensure customer satisfaction through ongoing relationship development.

·        To analyze and provide relevant feedback on competitor products and services.

·        Control the quality of the portfolio using available triggers and adherence to Risk Management guidelines and policies

PREREQUISITES:

• Preferably a graduate in a field acceptable to the bank.
• A detailed knowledge of the SME set of products as well as a broad understanding of products available in the Bank.
• Sound understanding of treasury products, trade finance products, personal banking products.
• Sound understanding of Credit Administration Process.
• A broad understanding of policies and strategies within the country as they relate to the demands of the customer base.
• A detailed understanding of Regulatory guidelines and credit risk policies.

SKILLS:

·        Relationship Management.

·        Problem Solving and Analysis.

·        Communication Skills.

·        Understanding of Business, Government and Industry Processes.

·        Interpersonal Style.