Relationship Manager - Business & Commercial Banking - Gauteng, Sandton - Sandton
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Job Mission / Objective To profitable manage a portfolio of customers by attending to all transactional, lending, operational and credit/risk related functions of business customer accounts. Reports to Senior Manager: Business and Commercial Banking Impact on Business Results Manage a profitable portfolio through retention, attraction, expansion, risk management and other relationship management activities. Strive to be the primary bank for customers in portfolio. Figures Affected by the Role (KPIs) Quantitative Net results w.r.t interest and non-interest income. Qualitative Improved customer service and turnaround time. Stronger more efficient relationship team. Staff Supervised Direct Reports: None Total Staff (incl. also Indirect Reports): None Main Responsibilities Business: Ensure Business Profitability and Growth in conjunction with the Operational Banker through retention, attraction, and expansion of customers in portfolio. Ensure approval of customer's lending needs are met in conjunction with the Operational Banker through high quality applications. Ensure that portfolio is 100% self-funded through the attraction of correctly priced deposits. Successfully close cross and up-selling opportunities received from Operational Banker and own sources. Distribute further leads to internal business partners. Achieve Non-Interest Revenue targets. Relationship And Client Focus: Client Engagement by conducting contacted amount of customer visits. Client Satisfaction by ensuring zero valid complaints from customers. Continuously improve turnaround times Ensure no regrettable customer losses. Risk Focus Ensuring risk metrics stay within set parameters for the portfolio. Support the Operational Banker in all risk related credit issues by ensuring all applicable due diligence on an application is done in accordance to the laid down credit and risk policies and guidelines of the Bank. AML / KYC adherence Market conduct/ customer experience adherence Completion of all compliance training FAIS adherence - general code of conduct Personal Development Objective Self-development and development identified by manager Coaching new staff and team involvement CSI Policies and Procedures Adherence to relevant policies and execution of relevant procedures Business Planning/ Decision Making N/A People Management No direct people management responsibilities Other Role Elements Contacts and Business Relationships Internal: Business suite staff, Credit and risk staff, Operational support staff External: Customers, Professional networks Job Requirements Academic Knowledge: Relevant degree, FAIS RE5 competent Foreign Languages: N/A Work Experience: Minimum 10 years general banking experience and 5 years as Relationship Manager in medium/large segment. Skills / Specialized Know How: General banking experience, Credit experiences a must. Competencies: Excel, Word, Outlook, Communication, Teamwork, Resilient, Stress tolerance, High integrity and work ethic, Customer service centric. Desired Skills: RE5 Banking Experience 5 years experience woking with Med to Large companies 10 years banking experience Degree
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