Ashanti-Suame, Commercial RM- G3L at Fidelity Bank Ghana

About The Job

• To manage and enhance the existing portfolio of commercial (SME) customers and solicit acceptable new relationships in order to met the pre-set financial and non-financial objectives.

Knowledge, Skills & Experience Requiered:

• Minimum 1st degree from a recognized university.
• 2nd Degree in Economics, Finance or MBA
• Professional business qualification is desirable
• Minimum of Five (5) years’ experience and knowledge of Banking/Financial services, preferably in the SME space.
• Knowledge and experience of Banking/Financial services, preferably in the SME space
• Ability to understanding and interpret financial statements
• Proven track record in sales
• Knowledge on SME customer relationship management
• Good credit risk assessment skills
• Strong interpersonal and communication skills
• Strong time management and self organization skills
• Excellent presentation skills
• Sound PC skills
• Ability to gain information of competitor activity in the local market
• Understanding of economic trends
• Sound knowledge of bank’s products
• Sound knowledge of banking practices and theories
• Strong supervisory skills

Key Results Area:

• Manage and grow the Bank’s income from a portfolio of predominantly SME customers by deepening relationships and delivering high quality service.
• Establish new borrowing relationships for Commercial Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.
• Proactively work to reduce the level of portfolio dormancies in line with annual targets set
• Reduce the level of attrition on the designated portfolio
• Take responsibility through the banks provided tools, for monitoring post-sanction terms and ensuring customer adherence to them
• Manage credit risk to an acceptable level as stipulated in the Banks policies and procedures
• Establish strong working relationships with all key internal stakeholders to help drive the overall strategy of the bank.
• Act as main point of contact for customers within their assigned market segment in the branch.
• Develop and nurture relationships with the Clients assigned to ensure that the strategy and business objectives of the Client and the Bank are achieved.
• Maximize all cross-selling opportunities to increase the penetration of products held per customer, in line with objectives set.
• Monitor portfolio asset quality to ensure NPL trends are in line with Bank specified average targets.
• Ensure adherence to branch service standards. 
• Suggest product feature and benefits changes to promote sales
• Assist in the achievement of strategic, financial and other objectives of the branch
• Ensure compliance with ALL bank procedures, policies and controls
• Provide guidance and advice to customers on credit issues
• Assist in developing assets/liability products for SMEs
• Any other jobs which may be assigned from time to time.

Risk And Compliance:

• Ensure prompt and adequate compliance responses to Sanctions and AML/CFT enquiries sent in by Compliance department.
• Take part in all annual mandatory refresher training organized by Compliance.
• Report all suspicious or fraudulent activities to Compliance or via whistle-blowing toll-free line.
• Ensure all accounts opened are KYC compliant or appropriate escalations have been followed.

Communication And Working Relationships:

• All Branch staff.
• All Retail Banking staff
• All assigned clients
• Operations Staff
• Credit Risk

Information Security Responsibilities:

• Abide by the bank’s ISMS (Information Security Management Systems) policies and procedures.
• Safeguard the bank’s information assets in accordance with its ISMS policies and procedures.