Relationship Manager

• Bachelor’s degree in a business-related field
  
• Professional qualification will be an added advantage.
  

Desired work experience:

• Minimum 5 years’ experience in similar job managing High Net Worth (HNW) clients with a financial services institution.
  
• In-depth knowledge of the local banking industry, banking products, banking
  
• operations and services and banking regulations.
  
• Good working knowledge and understanding of general commercial regulations and
  
• practices.
  
• Broad understanding of available investment products and services, industry
  
• competitive landscape and regulatory environment
  

• Acquire, grow and retain base of Premier Banking clients
  
• Achieve revenue, sales and portfolio growth targets across a range of products and services
  
• Achieve Product holding per customer growth targets
  
• Cross sell of products/ solutions thereby increasing their share of wallet in the Bank
  
• Create and execute a client driven relationship management and portfolio management strategy that will result in increased revenue, profit, share of wallet and contained PAR within Bank guidelines.
  
• Participate in Bank initiated sales & marketing initiatives.
  
• Work with the Corporate and Business banking relationship Managers and Premier Banking officers to plan and coordinate Premier Banking business and related sales activities/initiatives.
  
• Provide Premier banking clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank, and build client loyalty.
  
• Identify financial and non-financial requirements of Premier Banking clients by conducting financial needs analysis.
  
• Ensure clients are aware of all the Privileges & Solutions offered under Premier Banking
  
• Ensure clients are aware of all financial services offered by the bank
  
• Use systems effectively for customer contact management, sales and service activity
  
• Ensure delivery of service promise and practice brand values
  
• Minimize client attrition
  
• Ensure set Complaint Management processes are followed and TATs are met.
  
• Achieve the required minimum client visits and customer engagement forums per year.
  
• Execute account plan and monitor realisation of the anticipated results.
  
• Ensure that the target market selection criterion is adhered to and that we are in full compliance with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements.
  
• Strong responsibility for ethical selling to customers with complete disclosure about products and services.
  
• Ensure Portfolio allocated is closely monitored and actions recommended are diligently executed.
  
• Adherence to policies, procedures and statutory guidelines.
  
• Minimise exposure to bank wide risks, enforce zero tolerance to non-compliance with KYC and AML regulations.
  
• Lead the process and confirm that closure of gaps/lapses identified, corrective and preventative actions for the segment identified by audit, risk and compliance reviews; investigations or other assessment mechanisms are undertaken within the agreed time frame.
  
• Use data, information and insights to drive decision making.
  
• Proactively manage PAR. Propose solutions that address the customer’s situation that protect the Banks interest and implement as approved.
  
• Monitor overdrawn accounts/ overdue loans or card payments and follow up for clients to regularize and ensure accounts are not overdrawn without authorization.
  
• Prepare and submit reports to the relevant stakeholders within agreed format and timelines (daily, weekly, monthly, quarterly).
  
• Develop training programs for direct reports and conduct staff product trainings
  
• Complete training programs allocated in line with role
  
• Proactively manage own learning and development
  
• Manage cross-functional teams
  
• Adhere to annual leave plan agreed with line manager.