Relationship Manager-Retail

Job Purpose:

To have a holistic view of all accounts within his/her portfolio, using lead generation & account prioritization to cross sell Bank Products and extract value from said portfolio whilst maintaining /building customer relationship and account information

Key Responsibilities

• To ensure growth of Branch Retail Portfolio (NFI, Deposits and assets) through the acquisition of new to bank customers through the Business sales officers and lead generation.
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
• To ensure acquisition of customers to digital channels
• To effectively manage and expand the relationships with existing SME Banking clients and bringing in new partnerships from existing portfolio so as to ensure business growth and continuity
• Grow Retail customer portfolio size (Product per customer, Non funded income, deposits and assets) by deepening existing customer relationships
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers
• Assist in resolving queries in a timely and appropriate manner
• Assist in collaborating with product specialist to deliver effective customer solutions
• Ensure fulfilment of minimum customer relationships touch points e.g. 1 visit every quarter and 1 call and email a month a month depended on customer segment
• Prepare and submit all reports may prepare management reports summarizing individual and team loan activity
• Ensure all customers are on-boarded on a digital platform i.e. Gabpesa, internet banking
• To understand business, their life-cycles and the various product offerings that can be given to the customer
• To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times
• Ensure all customers engagements are recorded accordingly
• To ensure compliance with both internal and external regulatory requirements
• To continuously follow business operational and credit policies ensuring their compliance
• To safeguard and promote the bank’s image with the general public
• To assist in other issues aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy

Skills, Experience And Competencies

• Bachelor’s degree in any field
• 4-year experience in managing clients
• Excellent interpersonal skills
• Excellent communication and presentation skills
• Deciding and Initiating Action
• Delivering Results and Meeting Customer Expectations

Personal Attributes:

• Entrepreneurial and Commercial Thinking
• Persuading and Influencing
• Planning and Organizing
• Presenting and Communicating Information
• Relating and Networking
• Working with People

Closing: 14 April 2023