Job Purpose
The Relationship Manager, SME is responsible for achieving business growth for the Bank by sellin products within assigned market segments. The RM will be required to manage a portfolio of SME growth targets in Assets and Liabilities as well as revenues.
Key Responsibilities
- Develop effective strategies to manage customer relationships, anticipate customer needs an superior quality service to position GAB as the market leader in this segment
- To build and maintain productive and strategic relations with customers/ line manager/ stake the development and delivery of business solutions and revenue growth for the assigned sectors
- Build existing and win new long-term customer relationships
- Keep abreast of external factors influencing business e.g. economic, procedural and regulator
- Ensure timely and accurate maintenance of customer and deal pipeline information as requir relationship performance regularly to ensure that the return is commensurate with the type of cus
- Take timely and proactive corrective action to mitigate potential losses, exercising effective po stewardship and control.
- Ensure strong cross-selling of existing and new products to existing and new clients; and in th maintain effective liaison with all relevant business units in the bank
- Filing concise, but informative, call reports after customer visits (these should specify topics customer needs/ feedback, potential product needs, next steps, credit-relevant information etc.).
- Build a high-quality client portfolio by effectively managing clients across the entire credit cycle bank’s liabilities, assets and non-funded income (NFI) in the SME banking sector, meeting set targe
- Prepare and submit the branch periodic SME Business growth Plan.
- Promote active utilization of the bank’s Credit and Treasury facilities to existing and potential
- Conduct consistent monitoring to prevent defaults on client’s payment, alterations in the clien to be aware of forthcoming client’s financial needs
- Continuously scan the environment to identify fresh business opportunities and play an active development relevant to the SME Banking sector.
- Evaluate credit proposals and ensure the credit applications are processed on a timely basis w set turnaround times.
- Ensure continuous improvement in customer service and implement effective retention of customers within the SME banking framework.
Skills, Experience and Competencies
- Business Degree from a recognized university with a major in Finance, Marketing and/or Economics
- Relevant post graduate professional qualification AKIB will be an added advantage
- Proven experience of at least 2 years in a similar position (relationship management, business banker)
- Possess good Credit Appraisal Techniques and Report writing skills
Job specific competencies
- Emotional Intelligence; Dynamic, individual with the ability to work under pressure. Excellent selling skills
- Strong networking skills, for both internal and external networks
- A passion for performance, teamwork, and achievement in a competitive and dynamic environment Hardworking, strategically minded individual with excellent self-leadership, organizational, and pla
- Commercial awareness with good analytical skills.
- Core Competencies required for the position
- Customer focus- Ability to manage relationships through interpersonal skills
- Personal development- Ability to acquire and apply new knowledge relevant to the role, keep policies, procedures and guidelines relating to the role
- Team management- Demonstrate a positive approach to teamwork by sharing information an team effort
- Performance management- Ability to set stretched targets and impose a high personal standard A – Ability to capture information accurately Cl Communication- Ability to communicate clearly and concisely
