Full time Offered Salary :

Manager, Relationship at Standard Bank Group

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Job Description

To grow and retain client relationships as per allocated segment/sector portfolio (e.g., Agribusiness, Public Sector; and Africa China Banking) Mombasa and Nairobi. To execute on the segment offering, related toolbox(es), initiatives and activities aimed at optimizing both client experience and profitability for the bank.

Output:

Client

  • Explore alternative solutions in the event of declines from Credit.
  • Ensure accurate capturing, updates or amendments of customer information and history notes.
  • Ensure accurate and updated customer information.
  • Manage worklist queues to ensure items are actioned within agreed timelines, and/or re-assigns staff to different queues to ensure work completed within agreed timelines.
  • Complete a customer value chain analysis to further understand the customer’s needs and identifies sales opportunities and deploys banking solutions to meet those needs.
  • Adoption of portfolio management principles and technology aimed at enhancing experience for staff and customer
  • Implement a customer relationship management (CRM) strategy to ensure regular contact of all commercial customers in the portfolio as per the customer value proposition (CVP) for Commercial Banking.
  • Ensure that commercial customer service expectations are met and exceeded.

Data

  • Proactively manage customer credit exposure and collateral held to contain risk to the bank.
  • Ensure the submission of high quality and accurate credit applications to enable business and credit stakeholders to appropriately assess the risk to the bank.
  • Keep abreast of external factors influencing the customer’s exposure to risk and implements the necessary action.
  • Comply with all applicable legislative requirements (e.g., National Credit Act; Companies Act) and record-keeping in terms of Financial Advisory and Intermediary Services Act (FAIS); the Financial Intelligence Centre Act requirements (FICA); and the Consumer Protection Act (CPA).

Financial Management

  • Execute revenue growth tactics and targets in collaboration with business partners in the area (e.g., Prestige and Private Banking, Vehicle and Asset Finance; Property Finance: Business Online; Standard Bank Financial Consultancy; Standard Bank Insurance Brokers and any other business partners).
  • Develop and implement revenue growth best practices in support of the commercial value proposition and customer’s expectations.
  • Proactively identify, track and manage potential opportunities to cross-sell a product/offering to the customer.
  • Complete a value chain analysis for all customers to gain a better understanding of the needs of the customer and to apply appropriate solutions.
  • Proactively provide guidance to the customer pertaining to the promotion, selling and structuring of financial solutions customised to best meet the financial needs of the commercial customer.
  • Execute and support both the provincial and national revenue growth campaigns.

People

  • Set the example and leads the team in line with the Groups leadership identity, core values and People Promise.
  • Enable integrated ways of working and collaboration across the value chain to deliver for the client.
  • Inspire the team to deliver on the Group’s shared purpose and instilling a culture which enables the Group to evolve into a client led platform organisation.
  • Identify current and potential employee skill requirements in consultation with the People and Culture function.
  • Ensure alignment to the People and Culture standards with regards to all employee-related matters.
  • Provide input into talent strategy developed by People and Culture.

Risk, Regulatory, Prudential & Compliance

  • Motivate and process non-scored credit applications.
  • Explain credit procedures, qualifying criteria and expected turnaround times to customers in order to ensure that their expectations are being managed.
  • Notify customers regarding the approval or decline, including reasons thereof, of credit loan facilities.
  • Monitor daily referrals to ensure that commercial customer facilities are managed within the set risk parameters.
  • Together with Credit Origination (Commercial Banking), structures the customised credit loan facility options and parameters.
  • Plan and implement timeous annual credit reviews for allocated commercial customers.

QUALIFICATIONS

  • Type of Qualification: First Degree
  • Field of Study: Business Commerce
  • Type of Qualification: First Degree
  • Field of Study: Finance and Accounting

Experience Required

  • Relationship Banking Commercial Mombasa and Nairobi
  • Business & Commercial Clients
  • 8-10 years
  • Relationship management experience as a Business Banker or Relationship Manager. Experience in dealing with customers at all levels. Significant product knowledge including specialized products and financial structures. Experience in budgeting, forecasting, cost control and client financial analysis. Experience in preparing and motivating Credit applications is essential.

ADDITIONAL INFORMATION

Behavioral Competencies:

  • Developing Strategies
  • Directing People
  • Embracing Change
  • Empowering Individuals
  • Establishing Rapport
  • Making Decisions
  • Providing Insights
  • Pursuing Goals
  • Showing Composure
  • Taking Action
  • Understanding People
  • Valuing Individuals

Technical Competencies:

  • Economic Capital Management
  • Financial Acumen
  • Process Governance
  • Risk Identification
  • Risk Reporting
  • Risk Response Strategy
  • Risk/ Reward Thinking
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