Relationship Manager at CDL Human Resource

• Responsible for growth of the Bank’s Corporate Banking business, acquisition of new customers; selling banking products; quality of relationship management and maintenance of portfolio of existing customers; and increasing usage of the Bank’s products by cross-selling.

Financial

• Play a key role in new client acquisition and management of existing client relationships consistent with the Bank’s strategy in-order to achieve desired quality business growth.
• Establish and develop various sales strategies to meet ever changing customer needs in liaison with the Business Development Team
• Develop structuring and financing recommendations that are tailored to client's needs through synthesis and evaluation of the more complex needs of clients.
• To grow the customer base by prospecting and signing up new customers; and to manage relationships with customers to ensure optimum customer retention and income generation from sales of all appropriate bank products (whether Institutional, Corporate or Personal) to those customers.
• To develop market and monitor Liability and Cash Management products to expand the Bank’s deposit customer base, targeting mainly corporate customers and focusing on funding cost reducing liability products.
• Develop and undertake marketing for new Liability and Cash Management products, to the target customer groups/markets to enable the Bank to expand its business base.
• Initiate and support projects for developing or improving bank products.
• Maintain, acquire, and reactivate customer relationships to improve deposit liability growth and mix.
• Effectively and proactively manage the cost of funds by mobilizing deposits from clients as well as developing and implementing initiatives that bring down the cost of doing business within the department.

Customer

• Primarily responsible for the management of own portfolio of customers ensuring that they receive the appropriate level of service and advice to meet their specific needs.
• Establishing and maintaining appropriate Relationship Management and portfolio maintenance systems for tracking performance and taking prompt actions to ensure
• that competitive customer satisfaction as well as compliance standards are consistently met. 
• Enhance client retention by providing a one-stop point of contact for all the client’s needs and requirements while providing world class customer service.

Internal Business Process

• Establishing appropriate quality and productivity benchmarks for business development (customer acquisition and sales) and portfolio maintenance.
• Ensure effective day-to-day contact and management of existing Liability and Cash Management customers in the Bank with a view to increasing the Bank’s share of business and reducing the funding cost base.
• Reconcile all transactions on customer’s accounts where and when necessary.
• Assist with the processing of customer’s letters of credit and invisible transactions.

Functional responsibilities

• Establishing and maintaining effective communication systems to ensure adequate level of exchange (or share) of information within the team, vertically along the hierarchies that affect the team and horizontally with other departments that the team needs to perform their tasks.
• Conduct market research and competitor analysis within the industry and strategize on plans that will give the bank leverage and a competitive edge in the market.
• Customer pricing within the bank’s pricing policies and/or guidelines.
• Recommend the creation of viable and profitable risk assets to increase business office profitability.
• Maximize account profitability and increased wallet share by cross selling other products and services to the bank’s customers.
• Drive collections in customer’s account which will be used for FX and other businesses.
• Ensure proper documentation throughout the credit application and ailment process
• Prepare weekly and monthly statistics/performance reports for management use.
• Maintain a comprehensive database of the customer’s operational records including the existing and prospective customer data.
• Perform other duties as assigned by the departmental head or his/her designate.

Requirements

• Minimum of bachelor’s degree and/or Professional Qualification in Banking related disciplines 
• Master’s Degree added advantage.
• Proficiency in Microsoft Office Suite
• Professional qualification in Credit Analysis

Professional Qualifications

• Professional qualifications in ACCA, CPA, CFA etc. are an added advantage.