Summary
Date Posted:Thursday, May 04 2023, Base Salary: Not Disclosed

JOB DETAILS:

Reference Number
HCBPNM005
Description
Job Purpose
To grow and retain a portfolio of high value commercial relationships by performing a proactive, value adding financial partnership role, ensuring that close personal attention is given to provide a full range of customized financial solutions and services tailored to meet the growth needs of customers. The Job Holders’ portfolio includes three provinces namely Copperbelt, Central and Northwestern
Under the supervision of the Head Public Sector the following are among the

Job Key Responsibilities: –
• Contribute to the growth of the Bank’s balance sheet through deposit mobilization and asset creation;
• Onboard new customers to contribute to grow the Bank’s customer base;
• Profitably manage a portfolio of public sector clients to drive client solutions and earn revenue for the Bank.
• Focusing on existing customers to provide excellent customer service and be recognized as a trusted advisor
• Building and Developing Key Business Introducers (KBI) networks
• Working with marketing to raise profile in the external market
• Working with product partners and the Wider Bank to increase the wallet of share, including the delivering of complex product solutions.
• Working with credit colleagues to structure credit solutions
• Using prioritization model to ensure regular contact with customer, including strategic annual reviews, service meetings, complaints resolution etc.
• Use the Sales plan effectively including accurate and timely pipeline completion, complete call reports of all meetings, wallet Share plan and Customer Account Strategy Plan for all customers.
• Portfolio Control and Risk Management and ensure Compliance with mandatory Risk policies and procedures relating to credit conformance and regulatory.
• Ensure standards of data quality are maintained at all times
• Jointly work with Corporate Credit & Risk on credit issues with a view of implementing the Zanaco credit processes (Early Alert, Watch List & Provisioning) with the objective of minimal default by proactively restructuring to avoid default where necessary.
• Assists in coordinating end to end post approval activities
• Appraise Head, Public Sector of any appropriate market information.
• Ensuring effective risk management of portfolio
• Operating in accordance with Zanaco’ s Underwriting Standards and Lending procedures
• Taking ownership of high-quality objective credit applications, ensure robust monitoring and control and that sound judgement is exercised at all times
• Remain alert to the risk of money laundering and assist in the bank’s efforts in combating Money Laundering activity by adhering to the key principles in relation to:
• Monitoring customer accounts and reporting suspicious transactions and/or activity on the portfolio,
• Safeguarding customer records and not disclosing suspicions to customers.
• Any other responsibilities or tasks as maybe assigned by management.

Requirements
Qualifications And Experience
• University Degree/equivalent in relevant subject or banking qualification preferable
• Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects
• At least five 5 years of experience in banking/commercial experience
• Demonstrated complaint handling and resolution skills
• Knowledge of the bank’s credit process
• Understanding and interpretation of financial statements
• Knowledge of the Public Sector Banking Service Level Agreement
• Strong Interpersonal, Sales, Presentation and Negotiation skills.
• Stakeholder management to Communicate and network effectively, both internally and externally
• Good knowledge of banking systems and processes used by the bank and customers
• Knowledge of legal and regulatory issues typical for country banking systems and Knowledge and analytical skills, ability to understand main aspects of a financial institution’s operations an added advantage
• Strong knowledge of Bank products and channels an added advantage

Job Core Competencies
• Communication and presentation skills.
• Analytical skills
• Research skills
• Decision Making and Problem Solving
• Drive for results
• Customer service orientation
• Attention to detail
• Teamwork
Work Level
Skilled
Job Type
Permanent
Salary
Market Related
EE Position
No
Location
Zambia



Job Experience:No Requirements

Work Hours: 8

Level of Education: Bachelor Degree

Job application procedure
To apply for this job please visit zanaco.mcidirecthire.com . 

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