Business Banking Specialist 144 views

JOB DESCRIPTION

Business Unit: Retail Banking
Geographical Area: Zimbabwe
Department: Retail Banking Department
Vacancy Manager: Country Manager – Business Banking

Purpose of the job

Manage a profitable and sustainable Business Banking Portfolio.

1. Responsible for the growth of the SMEs Assets and Liabilities Book.

• Managing profitability driven SME products.
• Generating sales leads and applying sales techniques to close deals fast and effectively.
• Formulation of customer retention strategies for the Business portfolio and ensuring an optimum product uptake through cross selling of Bank products.
• Optimizing customer segments and product mix.
• Preparing credit proposals and recommending them to the appropriate lending committees for approval.
• Ensuring credit proposals adhere to the Bank credit policy and regulatory prudential guidelines while managing Financial, Market and Operational risks of the assigned Business Banking portfolio.
• Relationship Management of clients by maintaining a regular contact and keeping abreast of developments of client operations and needs.

2. Manage impairments/Portfolio Management.

• Maintain default rate of below 3% of the cumulative book.
• Maintain an attrition rate of no more than 1% of the portfolio.
• Analyze and interpret MIS reports and take corrective action.
• Ensure quality lending as measured by losses and provisions for bad debts and write offs.
• Responsible monitoring and control of all credit facilities in the Business Banking portfolio.
• Responsible for the overall risk management of the Business Banking portfolio through enforcement of operational controls

3. Ensure superior service to the Business Banking customers.

• Ensure service superiority by developing and fostering a superior service culture through quality circles, total quality management and adhering to service level agreements.
• Developing and fostering a culture of innovation and continuous improvement to keep abreast of customer’s needs and expectations.
• Proactively identifying customer’s needs and resolving their complaints timeously.

Qualifications and Work Experience

• First Commercial Degree
• IOBZ, or equivalent an added advantage.
• Over 2 years banking experience in business units at Relationship Officer or Credit analyst level or above
• Familiarity with international best practices and global trends in the sector.

Skills and Competencies:

• Good Relationship Management skills
• Good presentation skills
• Good leadership qualities.
• Excellent communicator and motivator.
• Team player.
• Problem solver
• Analytical person
• Excellent credit proposals writing skills

Job Related Knowledge

• Technical knowledge in business finance tools, products and methodologies (sales management, CRM, issuing & acquiring, credit scoring, collections, product development, etc.).
• Knowledge of legal and regulatory issues typical for country banking system.