Relationship Manager, Commercial Banking at Stanbic IBTC

Job ID: 43764
Location: Kano  Application  Link

Location: Kaduna  Application  Link
Job Sector: Banking

Job Purpose

• To ensure an in-depth understanding of all customers in his/her portfolio, using the Customer Value Chain Analysis (CVCA) tool, in order to effectively meet the needs of the customers.
• To execute the Commercial Banking Customer Value Proposition (CVP) and Industry Value Propositions (IVPs) initiatives and activities aimed at optimising both customer experience and profitability for the Bank.
• To execute an effective relationship management strategy in line with overall Commercial Banking strategy of leading with Transactional Banking.
• To ensure that close personal attention is given to providing a full array of customised financial solutions and services tailored to meet the growth needs and potential of the portfolio.
• To grow and retain a portfolio of high value Commercial Banking relationships by performing proactive and value adding portfolio management.
• To achieve financial and non-financial targets for the portfolio.

Key Responsibilities/Accountabilities

• In-Depth understanding of all Clients in the portfolio
• Execution of the Commercial Banking Customer Value Proposition (CVP), Industry Value Propositions (IVPs), and other agreed initiatives
• Relationship and Portfolio Management
• Grow and retain a portfolio of High Value Commercial Banking relationships
• Deliver the financial and non-financial targets for the portfolio

Preferred Qualification and Experience

• A good first degree from a reputable university (minimum of second class lower).
• A professional qualification or 2nd degree will be an added advantage.
• 3 – 5 years cognate experience in relationship management, in a Business Banking or CIB environment.
• Practical direct exposure to lending principles/previous working experience in Credit Risk Management is an added advantage.

Knowledge/Technical Skills/Expertise
Financial targets:

• Portfolio profitability as measured by income after impairments, total revenue, ARPC, CoF, average assets yield, LTD ratio.
• Net balance sheet growth (liabilities as measured by CASA and performing risk assets).
• Quality of risk assets as measured by level of impairments.

Non-financial targets:

• DTF ratio.
• Quality of relationship management as measured by clients’ positive experiences/level of clients’ satisfaction/client retention.
• TAT on client’s transactions.
• Effective utilization of Salesforce.
• Quality of CVCAs.
• Quality of Credit structuring and documentation.
• Quality of call reports, promptness of annual reviews, etc.
• Accurate segmentation, mapping and tiering of clients in the portfolio.
• Acquisition of profitable NTB clients.