Relationship Manager - Durban at Al Baraka Bank South Africa

New and Existing Customer Relationships

• Identifies customer needs by visiting clients in order to ascertain how the banks products and services can meet their financial requirements
• Requests for financial information and other supporting documentation from the client in respect of finance transactions
• Receives documents from clients and discusses the application and customer requirements with the Corporate Credit Analyst in order for the application process to ensue
• Addresses queries raised by the Executive Credit Committee in respect of the finance deal in order for it to be approved
• Proactive client management, effective communication, client visits and minimal client complaints.
• Establish a cross sell from an advances client to either BB, FX, Wealth or Deposit at minimum 1 per consultant per month

Reports/ Management of Qualitative Items

• Maintenance of fees to ensure no fees unallocated over 30 days
• Management of clients in SM category below 5% of advances
• Maintain insurance below 5% of advances
• Management of ‘Other Conditions’ and Covenant list
• Proactive management of NFDs
• Endeavours to maintain arrears below 1% of the gross advances
• Ensuring that trade and asset facility reviews are completed prior to review date on imal.

Staff Management

• Management of staff within the Corporate Branch wrt employee performance, recruitment, appraisals for the year.
• Ensures compliance with the mandatory annual leave for staff

Substitutes Corporate Manager

• Acts as a relief in the absence of the Corporate Manager in terms of management of corporate portfolio and all administrative tasks
• Attends to general staff related matters

General

• Attends management meetings as and when required such as Exco, ECC, etc
• Responds to any internal and external audit queries when the need arises
• Assists with preparation of Corporate Divisions budget on a yearly basis for submission to Executives for approval.
• Drafting the strategies to be implemented by the Corporate division for the upcoming year
• Represents the Bank at functions and events

Requirements

QUALIFICATIONS

• A Related Commerce / Finance degree will be required in order to meet the requirements of the role at the highest level of competence.
• The incumbent is required to be FAIS accredited

PREFERRED EXPERIENCE

• Minimum of 5 years Banking (finance/credit) experience with at least 2  - 3 years in management capacity
• Experience in an Islamic Banking environment would be preferable