Relationship Manager (Trade)
Reporting To: Head of SME & Commercial Banking
Overall Job Purpose
Relationship Manager Trade
will be responsible for the
The role holder will be the principal
contact between a designated portfolio of mainly Trade Sector – Infrastructure,
Water and Energy in order to drive business, manage sector profitability growth
and maximize revenue. He/she will be responsible for the management of Client
relationships to deliver products and services.
Understanding the needs of his/her
clients and developing tailored solutions to meet these needs using the Bank’s
suite of products and services targeted to the segment.
Managing his/her clients across the
financing cycle, ensuring compliance with the Bank’s internal policies,
Support the drive of growth and
opportunities in the assigned sectors.
Responsible for developing a detailed
strategy that would enable him/her grow and maintain a customer portfolio that
will ensure the delivery of the business targets in accordance with the
Department’s annual performance plans.
The Manager manages a portfolio of
SME/COMMERCIAL banking customers, with accountability for sales, service, risk
and operational delivery and acquisition of new to bank customers
The Manager is responsible for
effectively executing all the agreed business development and growth strategies
in accordance with the long, medium and short term plans of the Bank and as set
by the Head of SME/COMMERCIAL Banking. This will be done through active
portfolio management and development by maintaining & growing existing income
sources and meeting set targets for new business.
Responsible for building a
high-quality client portfolio by effectively managing clients across the entire
Customers / Stakeholders
Deliver a high quality service by
owning customer engagement, striving for excellence in all interactions with
(prospective) customer or other professionals, and always acting according to
the highest professional standards.
Ensure that client plans are
co-ordinated and the respective support teams are in place with Critical
Account objectives accepted, where applicable.
Take a proactive approach to client
planning across the portfolio collaborating with product partners and senior
management, as appropriate.
Establish an effective working
relationship with the Risk Management teams, in order to validate the accuracy
of the customer risk profile.
Ensure early identification of
problem relationships and take action where there are potential and existing
problem accounts to protect HFC interests.
Portfolio management and Collection
Monitor facility accounts in arrears
and work with the relevant Bank staff to reduce the portfolio at risk, and work
with the Collections Unit to develop and implement recovery processes.
Contact the client immediately (meeting
him/her in person if required) in the event of non-payment of a facility
installment, and, if not resolved, take subsequent actions to recover credit in
arrears according to Bank procedures.
To continuously be reassessing risks
associated with the sector the client is in and inherent in the business,
taking account of changing economic or market conditions, legal and regulatory
requirements, operating procedures and practices, management restructurings
Conduct consistent monitoring of
deals to prevent defaults on client’s payment, alterations in the client’s
business, and to be aware of forthcoming client’s financial needs.
Conduct review of the sector
performance, addressing key mitigants and growth opportunities in the sectors.
Responsible for ensuring that his/her
assigned portfolio is in compliance with Bank policies.
Business related degree from an
accredited university preferably with a major in Finance, Marketing and/or
At least five (5) years’ experience
in banking, with proven experience of at least two (2) years in a similar
position or at least 3 years banking experience and sales/marketing background,
where he/she managed a portfolio of SME or Commercial/Corporate Banking
Experience managing borrowing
customers and analyzing financing proposals, especially for SME.
Key Competencies and Skills
Ability to work independently under
Good interpersonal and communication
Analytical and basic accounting
Demonstrated good planning and
Strong leadership and management
Selling, persuasion and negotiation
Report writing and presentation
Team player and must have integrity.
Reporting To: Branch Operations Manager
Overall Job Purpose
will be responsible for processing customer’s cash
receipts and payments so as to enhance customer satisfaction.
To proactively engage customers by
offering them product and services in order to enhance customer
To positively identify the customers
by scrutinizing the documents against the banking system in order to avoid
To receive cash and cheques by
verifying the genuineness so as to minimize the losses to the bank.
To cross sell bank products by
interviewing the customers over the counter in order to enhance business
To reconcile cash by day end
balancing to ensure accurate bank balances.
To prepare various reports to inform
To observe laid down operating
procedures to ensure internal controls are adhered to.
business related degree from an accredited university.
Six months experience,experience in
banking or a similar role will be an added advantage.
Knowledge of banking products and
Key Competencies and Skills
Excellent knowledge and use of MS
Must have good communication and
Skilled at receiving and processing
Strong mathematical skills.
Attention to detail.
Knowledge of proper cash handling
Must be a self-driven individual,
team player and have integrity.
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