Job Title: Relationship Manager, Commercial Banking – Zambia

Industry: Banking

Location: Zambia

Salary: Competitive Salary Package + Benefits

Job Purpose:

To drive client acquisition and manage existing Commercial client relationships consistent with the Bank’s strategy

Role and Responsibilities

• Primary responsibility for the management of own portfolio of customers ensuring that they receive the appropriate level of service and advice to meet their specific needs.
• Identify and develop commercial banking relationships.
• Enhance client retention by providing a one-stop point of contact for all the client’s needs and requirements while providing world class customer service
• Establish and develop various sales strategies to meet ever changing customer needs in liaison with the Product Development Team
• Maintain and acquire and reactivate customer relationships to improve deposit liability growth and mix.
• Conduct market research and competitor analyses within marketing area and develop strategies that will give the bank a large part of the market within its vicinity.
• Recommend the creation of viable and profitable risk assets to increase business office profitability weekly and monthly statistics/performance reports for management use.
• Sourcing for and monitoring of customer’s tenured investment / facilities.
• Design product offerings tailored to meet the needs of the commercial sector in the country while maintaining regular contacts with their executives to push the Bank’s business.
• Initiate and carry out recovery action on non-performing credits facilities.

Key Performance Indicators:

• Achieve the approved Commercial Banking PBT target for the Bank
  100% attainment of annual targets (Deposits, Risk Assets, fees & commission, client conversions)
• % of large corporate sector accounts controlled by the bank in the country
• Timeliness in delivering revenue generation reports
• Timeliness & effectiveness in completion of assigned tasks
• Efficiency level at executing scheduled and ad hoc assignments
• Effectiveness establishing new relationships
• Targets Assigned Vs Actual

Job Requirements

Education Requirements

• Minimum educational level – Bachelor’s degree with credit or better in any relevant area of discipline
• Full Grade Twelve School Certificate with five (5) Credits including English and Mathematics

Experience

• Two (2) to four (4) years cognate experience

Competencies

Knowledge:

• Accounting, Finance and Financial analysis
• Policy and Regulatory Interpretation skill and Implementation capability
• Good understanding of the Zambian banking industry.
• Knowledge of the bank’s policies, products and services.
• Relationship management.
• Knowledge on BOZ Regulatory policies.
• Financial cost Management.
• Internal processes and policies of the bank
• Good understanding of financial services sector
• Banking products 

Key Skills:

• Interpersonal skills
• Advisory skill
• Strategic Thinking
• Relationship Management
• Negotiation & Analytical skill
• Product Development
• Leadership skill
• Selling & Marketing skill