Manages the portfolio in absence of Relationship manager
Maintains the relationships in liaison with the Relationship Manager
Assists the Relationship Manager meet the set targets
Customer service delivery/ retention
Support Revenue and liability Growth
Minimum Qualifications, Knowledge and Experience
University Degree preferably in Business related field such as Economics, Finance & Accounting from recognized institution by Commission for University Education. Credit Management, Accounting or Banking Qualification (AKIB)
CPA / ACCA qualification.
Certification in financial modelling
Certified Credit Executive (CCE) or equivalent
Minimum of 5 years’ experience in relationship Management and/or Minimum of 2 years in general banking operations.
Good track record of credit analysis and understanding of financial policies, procedures, and external regulations. Has demonstrated over the span of the career credit and financial analysis skills required to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
Demonstrated expertise and in-depth knowledge of the local banking industry, banking services, credit process and banking products.
Evidenced knowledge and understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirement, and applicable laws
Sound working knowledge and understanding of general commercial regulations and practices
Key Competencies and Skills
Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
Financial analysis Skills: Ability to analyze and/or interpret financial statements, and advice accordingly.
Analytical business and investment appraisal Skills: Keen to detail and able to conceptualize financial investment proposals and provide viable solutions.
Technology Skills: Computer literate with proficiency in computerized financial analysis applications.
Goal driven and results oriented enjoys being measured, and judged by financial and other performance targets.
Personal Ethics: Must be honest, fair and just with self and others, and demonstrates integrity in work and business contacts.
Communication Skills: Excellent written and verbal communication skills and presentation skills.
Interpersonal Skills: Must be a people’s person, with ability to interact with key contacts in finance sector.
Proactive Initiator: Must be pro-active, a self-starter and have the ability to see, grasp and advice on opportunities.Cross sell of bank services & products (cash mgt., trade, treasury, overdrafts, loans, custody, asset based finance, insurance premium finance (proposed) to existing and new liability clientele.