Relationship Manager: Commercial at Access Bank

Requirements

Client Relationship Management:

• Manage and grow a portfolio of commercial banking clients.
• Develop a deep understanding of clients’ businesses, industries, financial positions and strategic objectives.
• Act as the primary relationship contact between the bank and clients.
• Conduct regular client visits and relationship reviews.
• Identify opportunities to deepen wallet share through cross-selling and up-selling.
• Ensure high levels of client satisfaction and retention.
• Resolve client complaints and service-related issues promptly.

Business Development and Revenue Growth

• Acquire new-to-bank commercial clients.
• Identify opportunities to increase deposits, lending, trade finance, treasury, transactional banking and other banking solutions.

• Develop and implement portfolio growth strategies.
• Build referral networks with internal and external stakeholders.
• Maintain a healthy sales pipeline and convert opportunities into revenue-generating relationships.
• Achieve agreed sales and financial targets.
• Ensure Business Profitability and Growth in conjunction with the Operational Banker through retention, attraction, and expansion of customers in portfolio.
• Ensure approval of customer’s lending needs are met in conjunction with the Operational Banker through high-quality applications.
• Ensure that portfolio is 100% self-funded through the attraction of correctly priced deposits.
• Successfully close cross and up-selling opportunities received from Operational Banker and own sources.
• Distribute further leads to internal business partners.
• Achieve Non-Interest Revenue targets.

Credit and Risk Management:

• Conduct preliminary assessments of client creditworthiness.
• Gather and analyse financial statements and business information.
• Prepare and submit quality credit applications and recommendations.
• Monitor portfolio risk indicators and identify early warning signals.
• Ensure all facilities are reviewed and renewed within stipulated timelines.
• Minimise impairments and non-performing loans within the portfolio.
• Escalate risks and exceptions in accordance with approved governance frameworks.

Financial Analysis:

• Analyse client financial statements, cash flow projections and business performance.
• Assess funding requirements and recommend suitable banking solutions.
• Evaluate financial trends and market developments impacting clients.
• Support credit decision-making through sound financial interpretation.

Academic Requirements:

• Matric
• Bachelor’s degree in finance, Banking, Accounting, Economics, Commerce or related field - required
• Relevant postgraduate qualification advantageous

 Work Experience:

• Minimum 5–8 years’ experience in Commercial Banking or Relationship Management.
• Proven experience managing clients with annual turnover of R150 million to R750 million.
• Demonstrated experience in structuring and managing complex lending facilities.
• Strong track record in business development, portfolio growth and revenue generation.
• Experience engaging with business owners, CEOs, CFOs and executive management teams