Ultimate Banking Relationship Manager at HF Group

Principle Accountabilities

Relationship Management & Customer Service  

• Provide High Net Worth (HNW) clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank, and build client loyalty.
• Identify financial and non-financial requirements of HNW clients by conducting financial needs analysis.
• Ensure clients are aware of all the Privileges & Solutions offered under Ultimate Banking (for UB Clients) 
• Ensure clients are aware of all financial services offered by the bank- drive full service bank agenda.
• Use systems effectively for customer contact management, sales and service activity. 
• Ensure delivery of service promise for improved customer satisfaction levels.
• Minimize client attrition.
• Ensure set Complaint Management processes are followed and TATs are met. 

Business Development

• Source New Business from Personal Banking & Ultimate Banking clients through referrals, marketing activities and personal contacts. 
• Develop the Ultimate Banking customer base and expand the unit’s business growth through marketing of the Ultimate banking products and services.
• Enhance HF Ultimate Banking & Personal Banking sales/ revenues and promote cross selling of bank products to all existing clients.
• Achieve Revenue goals, Sales and Portfolio growth targets across a range of products and services.
• Achieve Product Holding per customer growth targets
• Ensuring revenue growth through customer acquisition, new need identification, product cross-sell and re-engineering increased product usage for existing clients.
• Participate in SME and Institutional Bank customer calls for marketing initiatives. 
• Drive segment based focus products agenda and conduct branch product trainings.
• Complete training programs allocated in line with your Role.

Controls 

• Ensure that the target market selection criterion is adhered to and that we are in full compliance with Know Your Customer (KYC) and Anti Money Laundering (AML) requirements.
• Strong responsibility for ethical selling to customers with complete disclosure about products and services.
• Ensure Portfolio allocated is closely monitored and actions recommended are diligently executed.
• Ensure required approvals are obtained before authorizing payments.
• Monitor overdrawn accounts/ overdue loans and follow up for clients to regularize.
• Ensure accounts are not overdrawn without authorization.
• Adhere to set processes and procedures.

Key Competencies and Skills

• Knowledge of Banking and Business Operations
• Audit Standards and Legislations
• Compliance and Regulatory Framework
• Conceptual and Analytical Skills
• Intricate understanding of products pertaining to HNW customers both internal and external (competitors).
• Basic market knowledge of various investment vehicles / markets/ economics.
• Strong interpersonal skills and appreciation for diversity.
• Team player with ability to train, develop and mentor junior staff.
• Relationship Management skills. 
• Networking Skills.
• Communication and Interpersonal Skills
• Results and Achievement Oriented
• Personal Ethics
• Negotiation Skills
• Extrovert/ Amiable personality. 

Minimum Qualifications, Knowledge and Experience

• Bachelor’s degree in a business related field 
• Master’s Degree will be an added advantage
• Retail Banking Associate (RBA UK)
• Customer Relationship Management Course
• CISI Certified Level 1 will be an added advantage 
• Minimum 3 years’ experience in similar job with a financial services institution.