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Financial 50%

• Responsible for the growth of the retail banking business portfolio to ensure set targets for portfolio growth, income and quality are achieved.
• Assess and recommend high quality credit facilities for clients and potential clients and thereafter oversee completion of all related security documentation with a view to maximizing earnings and minimizing bad debts. The full process to be handled in a professional and efficient manner and in conformity with Credit Policy requirements
• Identify and develop new business proposals efficiently and expeditiously to ensure that potential new business opportunities with existing and new clients are not lost to competitors
• Generate and improve profitability on a portfolio of new customer relations.
• NPL < 5%.
• PAR aggressively managed within the first 30 days to minimize conversion to NPL status.

Customer 20%

• Collect and analyse vital data on client’s i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings etc. to acquire in-depth knowledge which will enable you to act as adviser to management on all aspects of assigned accounts relationships
• Initiate and monitor Customer/Bank contact at all levels for assigned clients to ensure highest standards of service are maintained.
• Develop an intimate understanding of the clients industry/Business, analyse their modus operandi, management practices, judgment of various influential decision makers and market conditions affecting their long-term viability, prepare customer account plans.
• Treat customers fairly and avoid mis/over-selling

Internal Processes 20%

• Adhere to Bank risk management and operational policies & Standards in the unit.
• Compliance with local regulatory & group policies on KYC &AML.
• 100% SLA Adherence
• 100% adherence to agreed turnaround times

Learning and growth 10%

• Attend all trainings arranged by the Bank
• Discuss career path/growth with line manager at least quarterly.