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

• Adhere to sound account management principles for optimal credit portfolio management execution (e.g., reduced excesses, unauthorised overdrawn accounts and overdue reviews).Correctly inform client of credit application information requirements, ensure the necessary indemnities are in place to receive instructions from the specific client via email or telephone.
• Apply discretion to act on client instructions within defined mandate and escalates where applicable (e.g., client requests an EFT transfer to be made, the RM may act on the request if within allocated mandate) based on a client credit profile, make recommendations on how to structure future lending facilities for clients.
• Continuously source relevant market information and key trends in which clients operate, to enable proactive information sharing with the client and the rest of the team.  Ensure a deep understanding of the client requirements through regular value-adding interactions with clients.
• Identify new business opportunities and expands opportunities across existing client base, in order to achieve defined financial budgets for the allocated portfolio, through optimal growth of assets and liabilities, transactional, margin management and revenue streams in line with agreed targets.Formulate solutions on how to respond to a client’s needs and requirements accordingly
• Analyse, identify and recommend adaption of operational procedures to minimise risk.

• First Degree Business Commerce, Finance and Accounting
• 5-7 years relationship management experience as a Business Banker or Relationship Manager with proven performance track record
• Experience in dealing with customers at all levels.
• Significant product knowledge including specialised products and financial structures.
• Experience in budgeting, forecasting, cost control and client financial analysis.
• Experience in preparing and motivating Credit applications is essential.

Technical Competencies:

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

Behavioural Competencies:

• Developing Strategies
• Directing People
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Making Decisions
• Providing Insights
• Pursuing Goals