Relationship Manager

Job Purpose:

To manage a portfolio of borrowing and non-borrowing relationships within the SME/Business Banking segment. To generate portfolio revenues in line with target and ensure acceptable portfolio quality. To maintain acceptable client satisfaction score and positive NPS. Adherence to Bank's credit and compliance policies.

Main Responsibilities and Accountabilities:

• Acquire, manage and grow a portfolio of borrowing and non-borrowing relationships within the identified target market client base.
• Maximize revenues from portfolio of borrowing and non-borrowing relationships by offering full spectrum of products - cash management, treasury, trade and lending.
• Spread and analyze financial statements, preparation of credit application, documentation & post-sanction monitoring through periodic account review/renewal. Cross-sell of 4 key products within the portfolio to ensure well diversified revenue streams.
• Generate referrals for other parts of the Bank - notably Retail Bank payroll accounts, cards, Wealth Management and Corporate Bank.
• Ensure adherence of bank's credit policy and ensure satisfactory account conduct of borrowing relationships. Early Warning process knowledge is critical for ensuring acceptable portfolio quality.
• Ensure adherence to Banks' KYC/AML policies and raise any concerns in a timely manner.
• Ensure deferrals related to documentation and credit, temporary excesses are closed within agreed timeframes.

Education:

• Bachelor's degree or equivalent level of education.

Experience:

• Minimum 6 to 7 years of work experience in SME/Retail business.

Other Skills Required for the Job:

• Knowledge on SME, Trade and Client Relationship
• Strong Sales acumen and client focused
• Good skills in the assessment of credit risk, understanding of accounting, balance sheet and financial statements.