Position Overview<\/p>\n
Zanaco Bank Plc is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank\u2019s strategic vision, in the Commercial Division under the Retail Banking Department at Kitwe Business Centre:<\/p>\n
Role Description<\/p>\n
JOB PURPOSE<\/p>\n
Manage relationships under the Global and Large Corporate portfolio for the Copperbelt region under the supervision and guidance of the Head \u2013 Global Corporates on a daily basis.
\nAttain targeted sales goals, performance targets and customer net promoter score through the effective management of the portfolio
\nDirectly responsible for the management of the portfolio to ensure smooth running of each account.
\nReview account plans for all networked customers with a view to enhancing business volumes and earnings
\nConduct joint calls with product partners with emphasis on cross selling to increase wallet share for the Bank.
\nEnsure no loss of valued corporate relationships
\nQuarterly review of portfolio performance per account<\/p>\n
Requirements<\/p>\n
Under the supervision of the\u00a0Head Global & Large Corporates\u00a0the following are among the\u00a0Job Key Responsibilities: \u2013
\n\u00b7 Responsible for implementing marketing strategies to develop existing portfolio and development of new opportunities.
\n\u00b7 Identify and implement marketing strategies and business opportunities development and implementation of network sales process to drive pipeline growth and deal execution.
\n\u00b7 Understand customer needs and provide them with products and services to achieve business objectives
\n\u00b7 Provide support in structuring propositions to maximize business opportunities of an acceptable quality.<\/p>\n
Present and defend credit applications in the Management Credit Committee sittings\/meetings
\nEstablish and effective sales call cycle for key customers, partners and contacts and update the \u201cdeal pipeline\u201d.
\nComplete the wallet size for clients timely & appropriately file all client calls, client communications, internal memos, credit papers on the assigned portfolio.
\nTimely initiate all credit processes (extensions, excesses full briefs, annual reviews)<\/p>\n
\u00b7 Cross Sell Trade, Treasury and transaction products and refer potential clients of the Bank for Commercial and Agric and Retail.
\n\u00b7 Assist Head \u2013 Global and Large Corporates with product knowledge and market research<\/p>\n
Maintain proper, secure and efficiently retrievable records including records of client communications, internal memos, credit applications, account plans, client contact details and call reports
\nProactively manage inactive and dormant accounts to keep them within acceptable limits and ensure correct segmentation of clients for the Northern\/Copperbelt region
\nProvide input based on customer feedback and observed market and competitor activity to continuously improve segment products, customer channels and processes
\nProvide oversight across the Copperbelt\/Northern region, ensuring compliance with the highest standards of regulatory conduct and compliance practices as defined by internal and external requirements
\nCollecting market intelligence, information, events, trends etc. to support strategy formulation
\nDrive growth of sustainable book and implementation of sustainability policy and framework in the portfolio
\nSupport implementation of strategic department and bank projects including playing champion role, peer training and assigned by HCB or HBB
\nLeading of sub-teams as may be assigned and providing coaching and mentorships support in their teams<\/p>\n
\u00b7 Preparation of the credit appraisal and performance of all necessary due diligence procedures for clients seeking credit.
\n\u00b7 Monitoring performance of all accounts and credit facilities in the portfolio.
\n\u00b7 Be aware and fully understand all the terms of the credit policy.
\n\u00b7 Act in accordance with the relevant regulatory requirements and standards
\n\u00b7 Manage the loan book within parameters set by risk management<\/p>\n
Assess risk and business strategies of the portfolio and ensure compliance with regulatory requirements.<\/p>\n
\u00b7 Act as a principal point of contact in the absence of Head \u2013 Global corporates
\n\u00b7 Collate all action points raised in call reports, track and drive each action to its conclusion.<\/p>\n
Assist in the communication and implementation of any action necessary to improve service in respect of complaints\/compliments received.<\/p>\n
\u00b7 Any other responsibilities or tasks as maybe assigned by management.
\nINTERNAL\/EXTERNAL CONTACT
\n\u00b7 Internal stakeholders
\n\u00b7 Customers, alliance partners, trade and commercial associations, local public leaders
\nQUALIFICATIONS AND EXPERIENCE
\n\u00b7 University Degree\/equivalent in relevant subject or banking qualification preferable
\n\u00b7 Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects<\/p>\n
Minimum Experience: 5-7 years\u2019 experience in financial environment with exposure to commercial banking preferably as a Business Manager and\/or Relationship Manager managing a portfolio preferably large Corporates<\/p>\n
Commercial credit analysis certification as an added advantage
\nProven and consistent sales performance in growth of revenue and balance sheet
\nEcosystem understanding and proven track record in its application as well as cross selling
\nStrong credit skills with evidence of lending experience
\nCross-function understanding of banking operations<\/p>\n
Ability to communicate effectively with customers and internal stakeholders including senior management.
\nAbility to apply creative and innovative solutions to meet business and financial objectives.
\nAbility to work and collaborate across business and functions to develop customer solutions and resolve business problems
\nProfessional and mature character with ability to represent the segment and the Bank in a competent and professional manner to internal and external stakeholders<\/p>\n
Familiarity with international best practices and global trends in the commercial banking.
\nKnowledge of legal and regulatory issues typical for country banking system.
\nFluent in English, both spoken and written with other spoken languages such as Mandarin, French, Hindi, Arabic as an added advantage<\/p>\n
JOB CORE COMPETENCIES
\n\u00b7 Communication and presentation skills.
\n\u00b7 Analytical skills
\n\u00b7 Research skills
\n\u00b7 Decision Making and Problem Solving
\n\u00b7 Drive for results
\n\u00b7 Customer service orientation
\n\u00b7 Attention to detail
\n\u00b7 Teamwork<\/p>\n
Disclaimer<\/p>\n
ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.
\nZanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).<\/p>\n
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