HFC Limited, an integrated property and financial solutions provider has exciting opportunities in our Retail Banking Division. We are seeking for talented, dynamic, self-driven and results oriented individuals who are committed to performance excellence and participating in our growth strategy.
The Relationship Manager Trade Finance will be responsible for the following;
- The role holder will be the principal contact
between a designated portfolio of mainly Trade Sector – Infrastructure,
Water and Energy in order to drive business, manage sector profitability
growth and maximize revenue. He/she will be responsible for the management
of Client relationships to deliver products and services.
- Understanding the needs of his/her clients and
developing tailored solutions to meet these needs using the Bank’s suite
of products and services targeted to the segment.
- Managing his/her clients across the financing
cycle, ensuring compliance with the Bank’s internal policies, regulatory
guidelines
Responsibilities
Strategy
- Support the drive of growth and opportunities in
the assigned sectors.
- Responsible for developing a detailed strategy
that would enable him/her grow and maintain a customer portfolio that will
ensure the delivery of the business targets in accordance with the
Department’s annual performance plans.
- Managing a portfolio of SME/Commercial banking
customers, with accountability for sales, service, risk and operational
delivery and acquisition of new to bank customers
Business Development
- The Manager is responsible for effectively
executing all the agreed business development and growth strategies in
accordance with the long, medium and short term plans of the Bank and as
set by the Head of SME/Commercial Banking. This will be done through
active portfolio management and development by maintaining & growing
existing income sources and meeting set targets for new business.
Credit
- Responsible for building a high-quality client
portfolio by effectively managing clients across the entire financing
cycle.
Customers / Stakeholders
- Deliver a high quality service by owning customer
engagement, striving for excellence in all interactions with (prospective)
customer or other professionals, and always acting according to the
highest professional standards.
- Ensure that client plans are co-ordinated and the
respective support teams are in place with Critical Account objectives
accepted, where applicable.
- Take a proactive approach to client planning
across the portfolio collaborating with product partners and senior
management, as appropriate.
- Establish an effective working relationship with
the Risk Management teams, in order to validate the accuracy of the
customer risk profile.
- Ensure early identification of problem
relationships and take action where there are potential and existing
problem accounts to protect HFC interests.
Portfolio management and
Collection
- Monitor facility accounts in arrears and work with
the relevant Bank staff to reduce the portfolio at risk, and work with the
Collections Unit to develop and implement recovery processes.
- Contact the client immediately (meeting him/her in
person if required) in the event of non-payment of a facility installment,
and, if not resolved, take subsequent actions to recover credit in arrears
according to Bank procedures.
- To continuously be reassessing risks associated
with the sector the client is in and inherent in the business, taking
account of changing economic or market conditions, legal and regulatory
requirements, operating procedures and practices, management
restructurings
- Conduct consistent monitoring of deals to prevent
defaults on client’s payment, alterations in the client’s business, and to
be aware of forthcoming client’s financial needs.
- Conduct review of the sector performance,
addressing key mitigants and growth opportunities in the sectors.
Operations/Compliance
- Responsible for ensuring that his/her assigned
portfolio is in compliance with Bank policies.
Minimum
Qualifications, Knowledge and Experience
- Business related degree from an accredited
university preferably with a major in Finance, Marketing and/or Economics.
- At least five (5) years’ experience in banking, with
proven experience of at least two (2) years in a similar position or at
least 3 years banking experience and sales/marketing background, where
he/she managed a portfolio of SME or Commercial/Corporate Banking clients.
- Experience managing borrowing customers and
analyzing financing proposals, especially for SME.
Key Competencies and
Skills
- Ability to work independently under strict
deadlines.
- Good interpersonal and communication skills.
- Analytical and basic accounting skills.
- Demonstrated good planning and organisation
skills.
- Strong leadership and management skills.
- Selling, persuasion and negotiation skills
- Report writing and presentation skills.
- Team player and must have integrity
How to Apply
Application Deadline:
10th January 2022