Senior Relationship Manager – Primary Agriculture

Position Overview

Zanaco Bank Plc is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Retail Banking Department at Mkushi Branch:

Role Description

To grow and retain a portfolio of high value commercial relationships by forming and maintaining strong connections with Primary Agriculture clients. To proactively drive sales and delivery of client-appropriate financial solutions whilst ensuring clients receive excellent and dedicated customer service that supports the sustainable, profitable and cost-effective growth of the Agriculture – Banking business.Zambia job market

Requirements
Identify the banking needs of the Primary Agriculture Clients for actioning by the Bank and relay the Bank’s value proposition for the growth of the portfolio and overall Bank business
Coordinate the sales efforts for liabilities and assets; extensively market low cost liabilities and identify suitable assets for on-boarding.
Maximize revenue from the relationships across the portfolio by cross-selling products and solutions that increase wallet-share as well as track customer requests to their logical conclusion.
Originate new business for the portfolio and provide leads for new business to other business unit
Proactively initiate credit proposals, support clients through the credit application process and obtain appropriate approvals
Negotiate terms and conditions and prepare information packs for preparation of credit applications for new applications and renewal of existing facilities.
Coordinate post approval actions of credit facilities for the segment and ensure adherence to continuing obligations and facility covenants.
Conduct wallet-sizing of the portfolio to identify business growth opportunities and development of individualized customer relationship plans and strategies for key clients.
Monitor and advise the Team Lead of key market trends and developments deduced from engagements with clients and other segment
Identify the banking needs of the Primary Agriculture Clients for actioning by the Bank and relay the Bank’s value proposition for the growth of the portfolio and overall Bank business
Coordinate the sales efforts for liabilities and assets; extensively market low cost liabilities and identify suitable assets for on-boarding.
Maximize revenue from the relationships across the portfolio by cross-selling products and solutions that increase wallet-share as well as track customer requests to their logical conclusion.
Originate new business for the portfolio and provide leads for new business to other business unit
Proactively initiate credit proposals, support clients through the credit application process and obtain appropriate approvals
Negotiate terms and conditions and prepare information packs for preparation of credit applications for new applications and renewal of existing facilities.
Coordinate post approval actions of credit facilities for the segment and ensure adherence to continuing obligations and facility covenants.
Conduct wallet-sizing of the portfolio to identify business growth opportunities and development of individualized customer relationship plans and strategies for key clients.
Monitor and advise the Team Lead of key market trends and developments deduced from engagements with clients and other segment

Proactively manage borrowing relationships and monitoring of credit facilities to keep Non-Performing Loans (NPLs) well within expected levels for the portfolio

Ensure compliance with bank policies and procedures to minimize operational and other losses and proactively report and document any risk events relating to the Northern region portfolio.

Ensure portfolio consistent compliance with KYC and AML/CTF regulations.

Prepare call plans and call reports.
Attend regular meetings with customers, product teams and other internal stakeholders
Maintain proper, secure and efficiently-retrievable records including records of client communications, internal memos, credit applications, account plans, client contact details and call reports
Proactively manage inactive and dormant accounts to keep them within acceptable limits and ensure correct segmentation of clients
Provide input based on customer feedback and observed market and competitor activity to continuously improve segment products, customer channels and processes
Provide oversight across the Primary Agriculture, ensuring compliance with the highest standards of regulatory conduct and compliance practices as defined by internal and external requirements
Act as segment head in absence of incumbent and play a role-model role to junior staff providing mentoring and coaching support as needed

Any other responsibilities or tasks as maybe assigned by management

Disclaimer

ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.

Zanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).