Job Mission / Objective
To profitable manage a portfolio of customers by attending to all transactional, lending, operational and credit/risk related functions of business customer accounts.
Reports to
Senior Manager: Business and Commercial Banking
Impact on Business Results
- Manage a profitable portfolio through retention, attraction, expansion, risk management and other relationship management activities.
- Strive to be the primary bank for customers in portfolio.
Figures Affected by the Role (KPIs)
Quantitative
- Net results w.r.t interest and non-interest income.
Qualitative
- Improved customer service and turnaround time.
- Stronger more efficient relationship team.
Staff Supervised
Direct Reports:
Total Staff (incl. also Indirect Reports):
Main Responsibilities
Business:
- Ensure Business Profitability and Growth in conjunction with the Operational Banker through retention, attraction, and expansion of customers in portfolio.
- Ensure approval of customer's lending needs are met in conjunction with the Operational Banker through high quality applications.
- Ensure that portfolio is 100% self-funded through the attraction of correctly priced deposits.
- Successfully close cross and up-selling opportunities received from Operational Banker and own sources. Distribute further leads to internal business partners.
- Achieve Non-Interest Revenue targets.
Relationship And Client Focus:
- Client Engagement by conducting contacted amount of customer visits.
- Client Satisfaction by ensuring zero valid complaints from customers.
- Continuously improve turnaround times
- Ensure no regrettable customer losses.
Risk Focus
- Ensuring risk metrics stay within set parameters for the portfolio.
- Support the Operational Banker in all risk related credit issues by ensuring all applicable due diligence on an application is done in accordance to the laid down credit and risk policies and guidelines of the Bank.
- AML / KYC adherence
- Market conduct/ customer experience adherence
- Completion of all compliance training
- FAIS adherence - general code of conduct
Personal Development Objective
- Self-development and development identified by manager
- Coaching new staff and team involvement
- CSI
Policies and Procedures
- Adherence to relevant policies and execution of relevant procedures
Business Planning/ Decision Making
People Management
- No direct people management responsibilities
Other Role Elements
Contacts and Business Relationships
Internal:
- Business suite staff,
- Credit and risk staff,
- Operational support staff
External:
- Customers,
- Professional networks
Job Requirements
Academic Knowledge:
- Relevant degree, FAIS RE5 competent
Foreign Languages:
Work Experience:
- Minimum 10 years general banking experience and
- 5 years as Relationship Manager in medium/large segment.
Skills / Specialized Know How:
- General banking experience,
- Credit experiences a must.
Competencies:
- Excel,
- Word,
- Outlook,
- Communication,
- Teamwork,
- Resilient,
- Stress tolerance,
- High integrity and work ethic,
- Customer service centric.
