Job Purpose:

To identify and enhance business opportunities for the Business Banking Department. This is through prudent recommendation of lending proposals and promotion of bank’s services in liaison with other departments thereby expanding BAB market share from existing relationships and acquiring new clients. The position maintains customer relationships in a predefined allocated domain and is responsible in exploring business potential from these clients with the end view of providing financial and reputational benefits to the bank.

Description:

Growth and Development of Business Banking Portfolio:

• Build and maintain the bank’s relationships with existing and prospective mid-sized corporate clients; and to maximise revenue potential.
• Identify and establish new relationships, consistent with the bank’s business objectives.
• Cross sell BAB products and services applicable for mid-sized corporate clients.

Relationship Management and Customer Service:

• Ensure that regular client contact is maintained at all levels (via client calls, meeting etc) to ensure that (a) transaction opportunities are identified timely (b) performance trend & client risks are identified/mitigated appropriately (c) high level of customer service is maintained.
• Facilitate customers’ requests on time and ensure that these are properly addressed.

Establishment of Customer Facility and Financial Terms:

• Evaluate key credit proposals, scrutinize documents, and conduct telephone verification within the defined credit policies ensuring good quality (error-free) of credit underwriting and documentation.
• Conduct a thorough scrutiny of the documents submitted to ensure they are complete and are in order as per the approved documentation policy and highlights any discrepancies within agreed turn-around time.
• Negotiate with customers to deliver the most favorable financial terms possible for the Bank but also maintain competitiveness within the market.
• Increase share of fee income.
• Ensure that initial reviews, annual reviews, interim reviews, and all credit proposals are of highest standards and completed in a timely fashion.
• Ensure that facilities provided by the bank are relevant to and match clients’ business needs.

Transaction Processing:

• Liaise with other departments in facilitating client transactions.
• Service all drawdowns and obtain necessary documentation from relevant parties.
• Ensure that all clients transactions are duly approved and within bank policies.

Risk Management:

• Ensure a robust, front-ended and transparent client selection exercise.
• Identify customer risks through market feedback, financial performance and account conduct – on upfront and ongoing basis; and effectively translate all these in the credit approval medium.
• Maintain accurate and updated documentation, credit approvals, credit files, financial information etc.

Qualifications:

• From 4-6 year.
• Bachelor’s degree in any relevant field.