Relationship Manager Corporate Bank
Manager Credit Monitoring and Recovery
- The purpose of the role is to build and manage rapport with corporate clients so as to ensure optimum customer acquisition, retention and income generation from sales of all appropriate Assets, Liability and Cash management products of the bank.
- Ensuring delivery of industry-leading customer service, premier on boarding experience and advisory service to new and existing Corporate Customers.
PRINCIPLE ACCOUNTABILITIES
- To manage the development of prudently priced assets, cost effective long term liability with reputable companies and organizations in order to ensure Bank’s maximum profitability.
- To identify and develop a target pipeline and aggressively market for new profitable status customers from the identified target sectors.
- Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers.
- Maintain high professional standards and strive to provide quality services and competitive pricing to clients
- Cultivate good rapport with corporate clients and ensure, the bank becomes the choice for their Investment and banking.
- Continuously identify and exploit cross selling opportunities that embed the bank and its products with customer needs
- Establish quality profit earning customer relationship within the target market
- Ensure compliance to Know Your Customer (KYC) and Anti Money laundering (AML) requirements in all dealings with existing and potential customers.
QUALIFICATIONS AND EXPERIENCE
- University graduate or above in Business Administration/ Marketing / Economics / Finance related discipline.
- Minimum of 3 years relevant working experience in a similar position in Banking industry
COMPETENCIES
- Strong credit analysis, documentation and relationship management skills
- Ability to assess customer needs and develop products that suits their needs
- Experience in structured trade finance, syndication and project financing will be an added advantage
- Posses in depth understanding and knowledge of Corporate banking Products
- Proven sales experience in a client relationship role within corporate banking
Ability to work to deadlines with proven time management skills
Manager Credit Monitoring and Recovery
PURPOSE OF JOB
- Monitor the performance of the Credit Portfolio and maintain its good quality.
PRINCIPLE ACOUNTABILITIES
- Understand and adhere to the entire standard instructions manual of the credit policy at the bank
- Comply with BOT regulation as provided in the banking and financial Institutions Act on the management of credit risk.
- Manage and control quality of the credit portfolio and efficient recovery on non –performing accounts by following approved policies and procedures.
- Identify early warning signals and take immediate remedial measures to mitigate any risks involved.
- Monitor and follow –up of overdue loan installments, overdrawn accounts, excess over limits and ensure that numbers of overdue outstanding are reduced
- Ensure that all excess over limits and overdues are reported to Management for significant risk to the Bank and make efforts for recovery measures or appropriate action to be taken.
- Ensure all compliances for Credit Risk are reported accurately and within deadlines to Management as well as per directives from the Credit Committee.
- Follow up all classified accounts on which lawsuits have been filed, liaise with lawyers to speed up the recovery.
- Ensure that monthly reports including BOT are prepared and submitted on time to avoid penalties.
- Provide any information required by Management / Credit Committee / Board
- Perform periodic credit reviews
- Handle provisions
- Attend to the various Committee as a member of ALCO Committee Risk Management Committee & EXCO Committees
- Appear in Court
- Perform any other duties assigned
SKILLS
- Graduate in Business Administration, Finance, Accounts or related field
- Knowledge of legal matters
- Relevant experience in credit riskGood Analytical skillsHard workingGood decision making skills