Job Title:                   Relationship Manager, Commercial Banking – Ghana

Industry:                    Banking

Location:                    Ghana

Salary:                        Competitive Salary Package + Benefits

Job Purpose:
Responsible for developing  increase in sales, profitability, market share and customer satisfaction within assigned segment

Key Responsibilities:

• Generate new revenue opportunities from existing & prospective customers
• Support the branch to win new accounts and resuscitate dormant relationships.
• Ensure achievement of monthly and annual targets.
• Assist the branch in its drive for deposit mobilization, LAD, FX and enhance profitability within segment
• Structure credit facilities to meet customer needs in line with the bank’s policies
• Ensure  efficient service and maintenance of existing customers
• Ensure compliance with the guidelines and procedures on “Know your Customer” for account opening and guidelines for operational risk management
• Prepare presentations and other marketing materials to customers within segment covered
• As part of the Bank’s Information Security requirements, maintain the security of all Information entrusted to the staff and comply with the principles and policies in the Information Security Handbook
• Perform all other duties as assigned by the Team Lead, Retail Banking.

Key Performance Indicators (KPIs):

• % attainment of annual target (Deposit and Risk Asset)
• % Increase in revenue from products sales.
• % FX Volume
• % Asset Quality
• Total Net Revenue
• CASA deposit retention and growth
• Time Deposit Growth
• Performing Loans
• Collections
• Foreign Exchange Transaction Income and Volume
• Customer Retention
• Credit Quality

Job Requirements:

Education

Minimum Education:   First Degree in any discipline/relevant professional qualification

Experience

Minimum of 3 years relevant banking experience

Key Competency Requirements

Knowledge

• Marketing and networking
• Relationship Management
• Credit/Risk Management
• Customer Service
• Banking Operations, Products & Services
• Regulatory Compliance
• Banking structure, policies and procedures.
• Core Business Processes
• Industry knowledge

Skill/Competencies

• Trade Services
• Portfolio Management           
• Credit Assessment and Structuring
• Marketing/ Sales        
• Business/ Product Development
• Client Industry Knowledge   
• Business Advisory     
• Budget Planning & Control
• Financial Analysis