Relationship Manager – Personal Banking job at Bank of Africa | Apply Now

Key responsibilities

1. Portfolio Management

• Monitor on a day to day basis delinquent customers (1-29 days) and work with branches and companies to establish why they are delinquent.

• Track First Instalment Defaults (FIDs) and work through branch managers and regional managers to ensure resolution.

• Ensure salaries have come through and advise the credit team where there are delays as per the expected salary dates

• Follow up on the missed salaries and ensure resolution by the companies and provide feedback to credit in case of terminations, resignations, deaths, deletions etc.

• Work with credit to align instalment due dates that are not aligned to employer payroll dates.

• Ensure salary diversions, resignations, death cases are followed up and resolved or escalated to the credit team.

• Ensure readiness for the monthly portfolio review meetings and any reports are submitted to credit in time.

• Ensure all loans are properly tracked under right employer codes and address the ungrouped/wrongly grouped loans from proper tracking.

• Advise business on companies which exhibit high risk policies and practices hence control and manage risk

1. Sales management

• Support sales staff to acquire profitable and quality business from the key companies in the portfolio.

• Work with Branches and Regional managers to cross sell all the relevant bank products (assets, liabilities, payroll etc.) in the allocated companies.

• Fully exploit the existing customer relationships to create new profitable business opportunities.

• Work closely with SME and Corporate Banking teams in building relationships with some of the key companies in the portfolio.

• Work with branch managers and employers to organize different sales activities/activations at key companies for the sales staff to gain access to the employees of the target companies.

• Support some applications that may require exceptional approval for some reason like suspended schemes.

• Identify opportunities in non-empaneled companies and empanel them as per the approved company empanelment process to drive penetration

• Work with products team in the development and execution of initiatives for the acquisition, retention and growth of target customer bases for liabilities and assets

3. Service

• Visit key companies to identify their needs, receive feedback and provide appropriate solutions within our value proposition

• Escalate service issues within companies in the allocated portfolio (i.e. salary delays, double deductions, wrong profiling, interest rates) to the appropriate departments

• Continuously monitor the performance of the companies for timely management of credit limits, expirations and renewals

• Carry out any other duties that may be assigned to you from time to time.