Job Title: Relationship Manager
Expire: 2012-08-20
NED16691
Mthatha
Job Purpose:
• Small business service clients; MD small business services, national sales director: SBS; regional small business services managers; regional general manager; area managers; regional sales manager; branch manager and staff; SBS staff; business banking; SBS credit; human resources; scheme staff; retail banking services team.
Key Functions / Responsibilities
Sales:
• Take responsibility for developing effective banking partnerships/ relationships with clients (emphasis on FSC) by: regular client contact.
• Demonstrating understanding of the client's business & industry.
• Listening and probing appropriately and identifying effective financial solutions to address client needs.
• Using product knowledge and the value propositions of SBS: provide the client with proactive solutions, acting as client's banking partner.
• Taking responsibility for providing regular feedback to clients.
• Obtain leads from the industry by: developing effective networks with internal and external clients.
• Planning and implementing effective prospecting activities.
• Identifying and responding to business opportunities.
• Take responsibility for persistently following-up leads without jeopardising the client relationship or the image of the bank.
• Proactively develop a wide network of contacts internally and externally and use influence to accomplish the division’s objectives.
Administration within the portfolio:
• Assume responsibility for effective administration and controls in entire portfolio by: managing all daily exception reports on client portfolio.
• Ensuring securities are in place and up-to-date.
• Ensuring compliance with FICA & FAIS.
• Assume responsibility for vetting accuracy and quality of facility applications and security documentation within portfolio.
• Make recommendations to credit based on inputs of financial analysis, monitor to ensure security documentations are completed and returned to admin team.
• Deal with other banks on bank reports and full general reports.
• Confirm bank queries and bank codes.
Revenue management within the portfolio:
• Assume responsibility for revenue management in the entire portfolio by ensuring income statement reflects effective interest margins & non-interest revenue.
• Ensure correct pricing and adherence to pricing guidelines (income generation is maximized).
• Analyse and make recommendations in regards to pricing outside of the guidelines.
• Take accountability of portfolio balance sheet, with the assistance of the team leader relationship SBS.
• Demonstrate in-depth understanding of own portfolios financial contribution.
Learning and growth:
• Development plan & performance contract in place.
• Complete SBS curriculum; complete appropriate online assessments & compliance training.
• Network with other SBS colleagues to keep abreast of and share knowledge.
Client and service:
• Take ownership of the client’s relationship and service needs with the bank by maintaining open and regular communication and actively involving all support divisions.
• Effectively manage follow up calls and complaints escalating critical complaints to next level of management in terms of "ask once promise".
• Ensure retention of client’s primary banking relationship.
• This model is based on a mobile strategy, which emphasises proactive client relationship management.
People management:
• Coach & develop staff.
• Inculcate a culture of high performance.
• Conduct performance appraisals.
• Recruitment & selection of staff.
• Manage general HR practices.
Requirements:
• Matric plus relevant financial qualification - NQF level 5.
• B.Com degree/CAIB or relevant financial degree - NQF level 6.
• 4 - 6 years business banking type experience.
• 1 year - short-term insurance personal lines.
• 1 year - long-term insurance cat b.
• 6 months - deposits less than 12 months.
• 1 year - deposits exceeding 12 months.
• 4 - 6 years exposure to business banking clients.
• Valid Drivers Licence and Vehicle.
• FAIS.
Technical Competencies:
• Business banking market knowledge
• nedbank's security requirements
• Preparation of credit application
• Compliance requirements
• Credit policy and credit risk charter
• Exchange control regulations
• Nedbank policies applicable to small business
• Financial and business acumen
• Nedbank system and products knowledge
• Legal requirements for processes and companies etc
• Compliance awareness (fais, fica)
• Can and sbs can
• All nedbank product offerings
• All nedbank processes
• Legalities of security documentation
• Balance sheet interpretation
• Banking law including company law, partnership
• Nedbank sales process
• Sound knowledge of financial services charter
• Credit policy, processes and procedures
Behavioural Competencies:
• Initiative
• Resilience
• Integrity
• Excellence orientation
• Client centricity
• Planning and organising
• Building relationships
• Team work
• Managing conflict
• Developing others
• Diversity sensitivity
• Problem solving.
• Assertiveness
• Networking
Apply to:
http://www.nedbank.co.za/
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