New Feb 2017 Recruitment at Zambia National Commercial Bank (ZANACO)

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Food & Agriculture Banking Department at Head Office:-

Job Title: Relationship Manager 1

Responsibilities

• Responsible for building and maintaining customer relationships, maximizing business levels, service and profit performance in Agribusiness Emergent & Smallholder whilst maintaining the portfolio within acceptable risk levels
• The role holder is also responsible for supporting the Senior Relationship Manager Emergent and Smallholder in the implementation of the Agribusiness Emergent and Smallholder strategy and customer service and risk mitigation strategies
• Develop and maintain a healthy client and deal pipeline and achieve expected pipeline conversion rates
• Participate actively in business development meetings by updating business on new developments regarding challenges, and opportunities existing in our business
• Generate proposals to increase the value of the Agribusiness Emergent and Smallholder portfolio through the identification of new products, potential alliances and leveraging off Bank product and service capabilities
• Maintain and grow customer relationships and identify opportunities in those relationships
• Identify business requirements in respect of the product and solution requirements needed to satisfy
• Agribusiness Emergent and Small holder customer needs and requirements
• Perform regular customer visits and keep abreast with developments in various markets and industries that Agribusiness Emergent and Small holder customers operate in
• Market the Bank’s products which include transactional & savings accounts, short term loans, cash advance, offshore facilities, guarantees, trade finance services
• Cross sell the Bank’s products to Agribusiness Emergent and Small holder clients in liaison with other business units
• Maintain the portfolio of customers within acceptable risk parameters
• Adherence to risk and compliance requirements
• To maintain a healthy constant touch with clients and ensure their mandates to the Bank are actioned on time
• Receive, respond to and resolve customer complaints
• Achieve desired returns on capital and growth targets with regard to the Agribusiness Emergent and Small holder within assigned portfolio
• Monitor portfolio performance to ensure liability and income target achievement
• Provide input into the Agribusiness Emergent and Small holder budget and ensure effective management, cost reduction and increased profitability
• Maintain expenses within budgetary control
• Ensure conversion of client/deal pipelines in line with targets
• Perform up to date financial analysis on customer businesses and conduct regular assessments of business and management risk on customers
• Adhere to the Bank’s Credit Policy Framework on all customer accounts
• Achieve better than required impairment levels
• External, Agribusiness Emergent and Small holder clients
• Internal, All Divisions

Qualifications

• Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects
• University Degree in relevant field
• Three  years working experience in a related field
• One-two  years experience in banking is an added advantage
• Relationship management experience
• Stakeholder management experience
• Credit origination skills
• Sales skills
• Demonstrated complaint handling and resolution skills
• Verbal and written communication
• Delighting customers
• Networking/Liaison
• Persuading and selling
• Drive for results
• Analytical thinking
• Team work

How to apply

All applications must have an application/cover letter and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to:

The Chief Human Resource & Training Officer,
Human Resources And Training Division,
Zambia National Commercial Bank Plc,
Head Office,
PO  Box 33611,
Lusaka.