Relationship Manager - Retail & SME at Gulf African Bank

Job Purpose:

To have a holistic view of all accounts within his/her portfolio, using lead generation & account prioritization to cross sell Bank Products and extract value from said portfolio whilst maintaining/ building customer relationship and account information

Key Responsibilities

• Grow both Retail & SME customer portfolio size (product per customer, non-funded income, deposits and assets) by acquiring new to Bank customers and deepening existing customer relationships
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
• Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers
• Proactively anticipate customer needs and propose solution in collaboration with product specialist
• Ensure prompt resolution of customer queries and in an appropriate manner
• Understand business, the life-cycles and the various product offerings that can be given to the customer
• Evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times
• Prepare reports in time and ensure all customers engagements are recorded accordingly
• Ensure compliance with both internal and external regulatory requirements
• Continuously follow business operational and credit policies ensuring their compliance
• Safeguard and promote the bank’s image with the general public
• Contact the client immediately (meeting him/her in person if required) in the event of nonpayment of a facility instalment, and, if not resolved, take subsequent actions to recover credit in arrears according Bank procedures.
• Review and provide detailed input into the credit proposals prepared by the SME Analyst, noting that the RM is ultimately responsible for preparing a comprehensive, high-quality credit proposal
• Support the credit appraisal, disbursement and recovery (where necessary) processes in line with the policies and procedures
• Take a proactive approach to client planning across the portfolio collaborating with product partners and senior management, as appropriate
• Ensuring that Shariah-related guidelines, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to
• Ensuring that all customer information and queries are treated in line with confidentiality agreements as per the RM’s employment contract with the Bank.

Skills, Experience and Competencies

• Business graduate from an accredited university preferably with a major in Finance, Marketing and/or Economics
• At least four (4) years’ experience in banking, with proven experience of at least two (2) years in a similar position or at least 3 years banking experience with sales/marketing background, where he/she managed a portfolio of Retail and/or SME clients
• Experience in business development and relationship management
• Excellent interpersonal skills
• Excellent communication and presentation skills
• Deciding and Initiating Action
• Delivering results and meeting customer expectations

Personal attributes:

• Entrepreneurial skills and commercial thinking
• Strong in business development
• Good negotiation and influencing skills
• Good in planning, prioritizing and organizing
• Relating and Networking