RELATIONSHIP MANAGER : ASSET-BASED FINANCE – First Capital BANK

DESCRIPTION: Be part of an exciting team that is looking at changing the Banking landscape.
If you are a self-starter and looking for a challenging, yet exciting opportunity to grow and develop new markets with First Capital Bank please submit your applications for the following position.
RELATIONSHIP MANAGER – ASSET-BASED FINANCE (ABF)

REPORTS TO
Chief Commercial Officer
JOB PURPOSE
⦁ Key responsibility is to execute strategy on the ABF product for existing Corporate, Commercial/SME clients in FCBB to ensure balance sheet growth at acceptable margins, to enable the Bank to generate the required returns for the shareholders.
KEY RESPONSIBILITIES
⦁ Build relationships with key stakeholders to make sure we retain and grow all clients.
⦁ Build and maintain a good pipeline of business opportunities in the Corporate/Commercial and SME space in order to make sure the Balance sheet growth is achieved.
⦁ Do pricing calculations on every deal and every group of clients in order to make sure the relationship is profitable to the Bank and renegotiate prices where need be.
⦁ Always ensure client confidentiality and professionalism in order to maintain and increase the Bank’s image and brand.
⦁ Analyze and stay abreast of industry and regulatory developments and competitor activity and communicate information to the team.
⦁ Ensure timely submission of quality credit proposals in conformity with the Credit Policy. Write factual, informative, and detailed credit applications to obtain credit approvals for the client in an acceptable timeframe.
⦁ To make sure a healthy ABF portfolio is maintained, and risk minimized, the RM oversees and makes sure Insurance policies are renewed at the expiry date.
⦁ All arrears on client accounts within the ABF portfolio to be followed up, client engagement, and a solution to be recommended, and in agreement with Credit, work on a strategy as to minimize the potential impairment to the Bank.
⦁ Work with the Corporate/Commercial/SME team to ensure that covenants and conditions on a credit approval are managed proactively and report on this to Credit monthly to minimize downgrading on ORM.
⦁ Implementation and adherence to Policies, Procedures, and Manuals that are in line with group directives.
⦁ Provide timely feedback on all reports as requested.
⦁ Adhere to the Bank’s clean desk policy.
⦁ Good awareness and adherence to the Health and Safety guidelines of the Bank.
QUALIFICATION/EXPERIENCE
⦁ Degree in Marketing, Business, Finance, or a related field
⦁ Minimum of 5 years’ experience in Banking or Related environment
KEY SKILLS & COMPETENCIES
⦁ Proven technical ability with respect to ABF products, solutions, approaches, and methodology
⦁ Relationship management and networking skills
⦁ Problem-solving/decision making
⦁ Communication skills
⦁ Business awareness
⦁ Results-oriented