Relationship Manager \u2013 Business
\nDepartment:\u00a0Not specified (Business Development focus)\u00a0Job Grade:\u00a0B\/C2\u00a0Reports to:\u00a0Business Growth & Development Manager
\nBasic Purpose\u00a0Provide supervisory role to the staff members working under branch business development unit whereas Relationship Manager \u2013Business Development shall be responsible for coordinating activities of the unit by leading the team on sales and business development that ensure growth of customer base, CASA and Term deposits, high quality loan NPL, improvement of loan portfolio both PAR 30% and PAR 90%, growth of NFIs, cross selling of bank products and maintain good relationship with clients in line with KPIs.
\nMain Duties and Responsibilities<\/p>\n
Identify and negotiate business opportunities that will grow business of the branch in line with annual business targets and Bank strategy
\nDevelop and implement an annual business plan and sales strategy that will contribute to the overall business plan of the branch as well as Bank strategy.
\nEnsure growth of CASA deposit and contribute by 70% of the total branch deposits.
\nEnsure growth of a quality loan portfolio across all customer segment and business sectors and generate profit in line with business targets.
\nEnsure growth of customer base and actively operate their bank accounts
\nEnsure recruitment of Equity Agents and Super agents in line to the Branch targets and growth of number of transactions
\nRecruit Merchants, monitor performances of all POS in the area to ensure attainment of unit targets in line with branch objectives and goals.
\nEnsure customers are on boarded on the ABC platforms and growth of number of transaction increases to reduce traffic at the branch and grow NFIs
\nEnsure growth on NFIs by cross selling trade finance products, increase transactional banking services, insurance and other products and services that will generate NFIs
\nCross selling Bank products and ensure product usage per customer is enhanced to at least 8 products per customer
\nEnsure number of dormant accounts is substantially reduced to very minimal at least 15% of the total branch customers
\nManage and enhance existing business relationships within the portfolio to ensure the retention of customers in line with business needs.
\nReview own and other loan portfolios and recommend appropriate interventions to ensure it performs in line with approved performance indicators and targets.
\nLiaise with all stakeholders for example, clients, government institutions and other financial institutions to ensure that the Banks interests are properly represented and safeguarded.
\nSupervise, provide appropriate guidance and mentor Relationship Officers to ensure on boarding of good and quality business and adherence to all Bank policy and procedures including compliance to KYC and Money Laundering Policies
\nGoing out to meet and interact with current segmented clients of Equity Bank as an awareness drive to build confidence in the new ventures with the aim of maintaining them and winning their loyalty
\nProvide timely reports, recommendations and feedback to immediate supervisors and top management on developments and progress of the business
\nLiaise and coordinate activities with the Commercial Department and other stakeholders at Head Office
\nAdvise the BGDM on all branch matters concerning growth of branch business and people management.
\nParticipate in the preparation of the branch budget and Annual Plan
\nCarry out any other related duties as may be assigned by the BGDM that will be relevant to the Bank business
\nCollect and prepare market intelligence information, on corporate and retail products and services to ensure business growth of the segment in line with branch goals<\/p>\n
Knowledge Skills And Experience
\nSkills<\/p>\n
Demonstrated understanding of the Bank\u2019s major product offerings to clients especially syndication, cofinancing, club deals, correspondent banking products including letters of credit, factoring, forfaiting, structured trade finance, carbon financing, corporate finance risk participations, project-related financing and considerable knowledge of how this work.
\nDemonstrated understanding and experience of the structured trade finance operating model as a basis for the mitigation of identified risks in potential business transactions and especially in the areas of credit risk management and monitoring.
\nAbility to communicate and function in a culturally diverse and change oriented setting and therefore knowledge of the workings of the main segments of the trade finance markets and the participants in major regions of Africa.
\nExcellent verbal and written communication skills in English.
\nKnowledge of the Bank\u2019s other working languages is an added advantage.
\nProven experience in marketing trade and project finance products will be a distinct advantage.
\nWillingness to travel extensively and to work long hours where required to achieve the Bank\u2019s objectives<\/p>\n
Work Experience<\/p>\n
Sound experience of at least 3 years in banking and familiarity with the Bank\u2019s major business development channels in trade finance, project finance, export development, and asset financing.
\nProven track record in portfolio management, business development, and client acquisition<\/p>\n
Education<\/p>\n
Bachelor\u2019s degree in Finance, Business Administration, Economics, or a related field.
\nProfessional certifications (e.g., Certified Financial Planner, Credit Analyst) are a plus.
\nFormal credit training is highly valued.<\/p>\n
Regulatory Knowledge\u00a0Strong understanding of banking regulations, compliance standards, and risk management. Familiarity with KYC, AML, and credit policies.
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