ZANACO Bank Plc is looking for talented, highly engaged career aspirants who are interested to join the Bank as Relationship Manager – Public Sector under Corporate & Investment Banking where he/she will be responsible for;

Providing excellent customer service and building deep customer relationships,

Managing a portfolio of customers to maximize sustainable income,

Developing portfolio through increasing wallet share and winning new business,

Ensuring effective risk management of existing customers and new opportunities,

Establishing and growing a profile as a recognized expert in the appropriate industry/specialism

Job Responsibilities:

        Business Development

• Targeting prospective clients to develop new relationships and win new business
• Focusing on existing customers to provide excellent customer service and be recognized as a trusted advisor
• Building and Developing Key Business Introducers (KBI) networks
• Working with marketing to raise profile in the external market
• Working with product partners and the Wider Bank to increase the wallet of share, including the delivering of complex product solutions.
• Working with credit colleagues to structure credit solutions
• Using prioritization model to ensure regular contact with customer, including strategic annual reviews, service meetings, complaints resolution etc.
• Use the Sales plan effectively including:- Accurate and timely pipeline completion– Complete call reports of all meetings and upload them in Customer Relationship Management (CRM)

  – Wallet Share plan and Customer Account Strategy Plan for all customers

  Portfolio Control and Risk Management 

• Ensure standards of data quality are maintained at all times
• Ensure Compliance with mandatory Risk policies and procedures relating to credit conformance and regulatory.
• Jointly work with Corporate Credit & Risk on credit issues with a view of implementing the Zanaco credit processes (Early Alert, Watch List & Provisioning) with the objective of minimal default by proactively restructuring to avoid default where necessary.
• Management of the accounts in Excess within the Banks policy
• Assists in coordinating End to End post approval activities
• Appraise Head, Public Sector of any appropriate market information
• Ensuring effective risk management of portfolio
• Operating in accordance with Zanaco’ s Underwriting Standards and Lending procedures
• Taking ownership of high-quality objective credit applications, ensure robust monitoring and control and that sound judgement is exercised at all times
• Remain alert to the risk of money laundering and assist in the bank’s efforts in combating Money Laundering activity by adhering to the key principles in relation to:
• Thorough knowledge and practice of Know Your Customer principles,
• Monitoring customer accounts and ensuring dormant accounts are managed as per Bank policy
• Reporting suspicious transactions and/or activity on the portfolio
• Safeguarding customer records and not disclosing suspicions to customers.

Qualifications / Minimum Experience

• Grade 12 certificate with Credit or above mandatory in Mathematics and English and any other three subjects.
• A University Degree/equivalent in relevant subject
• At least five (5) years’ experience in Corporate/related field
• Sales skills
• Demonstrated complaint handling and resolution skills
• Knowledge of the bank’s credit process
• Understanding and interpretation of financial statements
• Knowledge of the bank’s PSB account opening process
• Knowledge of the PSB Service Level Agreement
• Strong Interpersonal, Sales, Presentation and Negotiation skills.
• Stakeholder management to Communicate and network effectively, both internally and externally, at the highest level.