Corporate Bankers

Job Purpose

To support the Relationship Manager in the day-to-day management of an assigned portfolio and provide credit analysis on key assigned credit relationships.

Direct, Control and coordinate all banking, lending, and operations associated with the assigned portfolio of accounts to monitor acceptable risk and maximize the bank’s return from each client.

Main Responsibilities

• Relationship Management

• Credit Appraisal

• Income Generation

• Operations and Audits

• Cost Containment

Daily Responsibilities:

• Relationship Management

• Providing an interface between the Bank, and existing and prospective customers to maintain good customer relations, to meet customer needs within the strategic objective of the Bank.

• Overseeing the relationship management of assigned customers through maintenance of an effective call program and accompanying the RM on clients’ visits and filing a call report.

• Run with a customer experience initiative to build customer loyalty for the allocated portfolio.

• Attend to queries/routine correspondence emanating from Customers, Credit Administration, Security Documentation, Risk Control, Branches, etc.

• Manage the portfolio in liaison with the Relationship Manager and their absence, assume full responsibility for the assigned portfolio.

• Credit Appraisals

• Prepare and submit credit proposals in conformity with Credit Policy guidelines and requirements in liaison with the Relationship manager and maintain high standards of Credit Analysis.

• Collect and analyze vital data on clients i.e. annual reports, management accounts, interim reports, industry reports, and all press cuttings, etc. to acquire in-depth knowledge which will facilitate a comprehensive review of assigned accounts relationships and relationships assigned to the Relationship manager.

• Obtain account statistics and profitability figures for facilities review/appraisal purposes and ensure that the information provided is accurately completed and that relevant remarks are incorporated in the credit proposal.

• Review all existing clients’ facilities on time.

• Prepare excess approval requests for all excesses.

• Income Generation

• Supporting the RM to achieve set income targets (interest income, fees and commissions).

• Ensure all income is collected.

• Cross-sell other bank products.

• Operations & Audits

• Daily monitoring of accounts to ensure facilities are within the approved limits and advising the RM of all cheques that have overdrawn current accounts and pay the cheques where necessary.

• Taking remedial actions by pursuing customers on regularization of overdrawn positions.

• Confirmation of interest rates regularly.

• Attend to Audit queries, perform snap checks monthly, and ensure that any anomalies/exceptions are sorted out.

• Ensure instructions to our lawyers are sent out by the Securities Documentation Centre to proceed with the perfection of securities.

• Continuous follow-up with the Securities Department to ensure timely documentation and perfection of securities.

• Ensure compliance with securities perfection e.g. payment of land rents & rates, insurance, etc.

• Prepare daily excess monitoring reports, monthly asset & income reports, and other relevant reports for the portfolio.

• Cost Containment

• Optimal use of Stationery and recycling where applicable.

• Assist the Relationship Manager in containing interest expense.

Educational qualifications and work experience:

• Bachelor’s degree in business Related

• Professional Qualifications /CPA

• 3 years’ experience in sales, credit and Banking Operations.