Location: Upperhill Branch
Reports to: Branch Manager
Job Purpose:
The Role of a Relationship Manager -Retail is 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
- To ensure growth of Branch Retail Portfolio (NFI, Deposits and assets) through the acquisition of new to bank customers through the Business sales officers and lead generation.
- Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
- To ensure acquisition of customers to digital channels
- Grow Retail customer portfolio size (Product per customer, Non funded income, deposits and assets) by deepening existing customer relationships
- Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with Branch Managers
- Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
- Assist in resolving queries in a timely and appropriate manner
- Assist in collaborating with product specialist to deliver effective customer solutions
- Ensure fulfilment of minimum customer relationships touch points e.g. 1 visit every quarter and 1 call and email a month a month depended on customer segment
- Prepare and submit all reports may prepare management reports summarizing individual and team loan activity
- Ensure all customers are on-boarded on a digital platform i.e. Gabpesa, internet banking
- To understand business, their life-cycles and the various product offerings that can be given to the customer
- To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times
- Maintaining/updating customer data on parameters such as Business turnover/ directors details etc.
- Ensure all customers engagements are recorded accordingly
- To ensure compliance with both internal and external regulatory requirements
- To continuously follow business operational and credit policies ensuring their compliance
- To safeguard and promote the bank’s image with the general public
- To assist in other issues aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy
Skills, Experience and Competencies
- Bachelor’s degree in any field
- 4-year experience in managing clients
- Excellent interpersonal skills
- Excellent communication and presentation skills
- Deciding and Initiating Action
- Delivering Results and Meeting Customer Expectations
- Entrepreneurial and Commercial Thinking
- Persuading and Influencing
- Planning and Organizing
- Presenting and Communicating Information
- Relating and Networking
- Working with People.
