Description
JOB PURPOSE
The holder of the position will be based at the Provincial Capital of one of the provinces under his/her Region. A Region will cover a minimum of 3 provinces or whatever number of provinces maybe determined from time to time by the Head Public Sector Banking;
Providing excellent customer service and building deep customer relationships
Managing a portfolio of customers to maximize sustainable income
Developing portfolio through increasing wallet share and winning new business
Ensuring effective risk management of existing customers and new opportunities
Establishing and growing a profile as a recognized expert in the appropriate industry/specialization
JOB RESPONSIBILITIES
Contribute to the growth of the Bank’s balance sheet through deposit mobilization and asset creation in the provinces, and Districts under your portfolio;
Onboard new public sector clients at the province and districts and create strong banking relationships to contribute to growth of the Bank’s customer base
Profitably manage a portfolio of public sector clients to drive client solutions and earn revenue for the Bank.
Focusing on existing customers to provide excellent customer service and be recognised as a trusted advisor
Building and Developing Key Business Introducers (KBI) networks in the Regions;
Targeting prospective clients to develop new relationships and win new business.
Working with marketing to raise profile in the external market
Working with product partners and the Wider Bank to increase the wallet share, including the delivering of bespoke solutions.
Working with credit team to structure credit solutions
Using prioristisation model to ensure regular contact with customer, including strategic annual reviews, service meetings, complaints resolution etc.
Use the Sales plan effectively including: Accurate and timely pipeline completion,
Complete call reports of all meetings
Ensure standards of data quality are maintained at all times
Ensure Compliance with mandatory Risk policies and procedures relating to credit conformance and regulatory.
Jointly work with Corporate Credit & Risk on credit issues with a view of implementing the Zanaco credit processes (Early Alert, Watch List & Provisioning) with the objective of minimal default by proactively restructuring to avoid default where necessary.
Assists in coordinating End to End post approval activities
Appraise Head, Public Sector of any appropriate market information.
Ensuring effective risk management of portfolio
Operating in accordance with Zanaco’ s Underwriting Standards and Lending procedures
Taking ownership of high quality objective credit applications, ensure robust monitoring and control and that sound judgement is exercised at all times
Remain alert to the risk of money laundering and assist in the bank’s efforts in combating Money Laundering activity by adhering to the key principles in relation to:
Thorough knowledge and practice of Know Your Customer principles,
Monitoring customer accounts,
Reporting suspicious transactions and/or activity on the portfolio,
Safeguarding customer records and not disclosing suspicions to customers.
External Contact:
Existing / prospective customers
Government officials
Chamber of Commerce
Officials of regulatory bodies for compliance and market information.
Competitors
Key Business Introducers (KBI’s) – Accountants, Lawyers etc.
Internal:
All divisions
Requirements
QUALIFICATIONS/EXPERIENCE
Grade 12 certificate with Credit or above mandatory in Mathematics and English and any other three subjects.
A University Degree/equivalent in relevant subject
At least five (5) years’ experience in Corporate/related field
Sales skills
Demonstrated complaint handling and resolution skills
Knowledge of the bank’s credit process
Understanding and interpretation of financial statements
Knowledge of the bank’s PSB account opening process
Knowledge of the PSB Service Level Agreement
Strong Interpersonal, Sales, Presentation and Negotiation skills.
Stakeholder management to Communicate and network effectively, both internally and externally, at the highest level.
Work Level
Skilled
*Job Type
Permanent
Salary
Market Related
EE Position
No
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