Relationship Manager Rift Valley
Profitable Growth in Sales:
Providing advice on, promoting, selling and structuring a wide and diverse range of financial solutions customized to best meet the financial needs of high value commercial customers.
Selling includes acquiring and opening new business accounts on a face-to-face basis, as well as
Cross-selling additional value added solutions to the existing portfolio to assist clients in growing their businesses
Identifying and taking ownership of sales leads generated for associate Group company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking; Bancassurance/wealth management (where available) etc. to ensure a quick and knowledgeable response.
Mining and analyzing customer data to identify and plan for expansion and/or additional business opportunities.
Developing and implementing a client calling schedule to visit all clients in the portfolio.
Identifying opportunities to migrate top-end relationships.
Customer Service Quality and Efficiency:
Providing a central advisory/information/ query handling service point for the portfolio.
Performing a proactive liaison role between customers and back office service fulfilment and credit functions.
Interacting frequently and closely with all clients to analyze and establish ongoing needs and to assist clients to better understand their financial requirements.
Accurately and efficiently processing customer mandates/ documentation requirements for financial facilities.
Lending Support and Risk Management:
Planning and implementing annual credit reviews for the portfolio.
Explaining and structuring/ customizing credit loan facility options, parameters and qualifying criteria.
Supporting customers in the completion of credit application information requirements, e.g. balance sheets, financial statements and management accounts.
Motivating and processing non-scored credit applications.
Notifying customers regarding the approval/ decline of credit loan facilities.
Exploring alternative solutions in the event of declines from Credit.
Monitoring of daily referrals to ensure that client facilities are managed within the parameters set by Credit. Exercising discretion regarding account conduct based on a close knowledge and understanding of client activities.
Managing and controlling industry sector, client exposure, and securities held to contain risk.
Compliance with Legislation:
Compliance with general banking and Credit policies and procedures.
Ensure compliance with KYC requirements.
Responsible for the implementation and adoption (within Branch, Department or Section) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.
Managing the Client Analyst to ensure that work standards and quality work output targets are set, achieved and maintained.
Managing the performance contribution of support staff.
Identifying strengths and development areas and ensuring that support staff receive the requisite learning and skills development interventions.
Proactively coaching and mentoring subordinates.
Qualifications and Experience:
Bachelors Degree: Finance and Accounting
5 – 7 years of banking experience, with 3 to 4 years of relationship management or people management.
MODE OF APPLICATION
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About Stanbic Bank
Stanbic Bank is a division of Standard Bank, a member of the Standard Bank Group, based in Johannesburg, South Africa. Stanbic Bank was adopted as a trading name in 1992, when the Standard Bank Group, then known as Standard Bank Investment Corporation, acquired the African operations of ANZ Grindlays Bank. The new name was adopted to avoid confusion with the Standard Bank's British former parent bank, Standard Chartered Bank, which continued to operate in Africa.