Relationship Manager   Obtains, retains, grows depositing and borrowing customers for the bank 1. Appraises, critically analyses and recommends applications to the bank credit committees (ZB Bank Credit Committee and ZB Bank Board Credit Committee
2. Assesses, monitors and reviews the risk profile of the client
3. Manages and maintains relationships with clients and gives advisory services to clients.
4. Monitors clients in excess to remain within agreed limits of facilities and/or restructure the facility in liaison with the bank credit committees
5. Liaises with other divisions and group companies to ensure timeous turnaround and efficient delivery of service.
6. Makes lending decisions.
7. Monitors and assesses clients� business performance whether it�s in line with industry standards
8. Assesses security offered by the client and initiates professional valuation of security
9. Sets facility profile (i.e.) limits, maturity dates, review dates, reporting requirements, security.
10. Interviews clients and handles all correspondence between clients and the bank.
11. Countersigns facility offer letters and other important documents.
12. Visits clients to perform business analysis (market and industry analysis).
13. Maximise return from the relationship profile by cross selling and promoting the products and services of the Bank;   
14. Mobilises deposits from customers for investment within the Group
15. Prepares various reports required by Business Risk Department or Head of Corporate Banking
16. Appraises, critically analyses and recommends applications to the bank credit committees (ZB Bank Credit Committee and ZB Bank Board Credit Committee
17. Performs any other duties as assigned by superior
 Report review
Departmental meetings
Review of customer files
Facility interim reviews
Meeting with immediate supervisor
  Managing customers who are disputing interest rates 
 Negotiating with clients who intend to move business from the bank by tailor making products to suit their needs
 Ensuring compliance to the bank policies and procedures
 Managing client excesses to minimise the bank's loss 
 Managing debt work outs for clients and restructuring of problematic loans
 Advising clients on complex facility structures 
 Managing queries on international transcations in view of the bank's OFAC listing
  Carry out customer visits
 Carrying out facility reviews and renewals
 Prepare draw down pattern schedule of clients in my portfolio
 Submit potential inflows or outflows by key depositors or borrowers on a weekly basis
 Prepare ALCO report on a monthly basis for the alco committee
 Prepare excess report on a daily and weekly basis for business risk  
 Prepare quarterly marketing strategies 
 Following up on Action plans outlined in the Call Report after a visit to a client  BSc Economics/ Business Studies Degree/ B Com Banking and Finance/ B Com Banking   Diploma in Credit Management
 IOBZ Diploma 2 years  Must have a thorough understanding of market trends and related dynamics and be able to advice management accordingly;
 Must be able to formulate and implement viable business development strategies;
 Must have proven experience in carrying out negotiations, facilitating such meetings and preparing concise reports;
 Must have a proven track record and competence in project proposal formulation, management and implementation;
 Must be an innovative and business oriented person with a thorough grounding in business management and dynamics;
 Must have proven personal leadership ability;
 Experience in business improvement and process implementation is required;
 Conflict handling and negotiation skills are a must;
 Computer literacy (MS Office, MS Project) is essential amongst others
  Decides whether or not to lend to clients
 Decides on the strategy for each relationship e.g grow, mantain, exit.
 Decides which customers to target
 Decides on the appropriate product or structures suitable for the client
 Decides whether to recommend or not to the credit and/or pricing committees on certain waivers
 Decides when to handover bad accounts to recoveries.
 Decides to carryout deposit mobilisation
 Decides on what classification or grade to apply to the client
 Decides to carryout facilities in line with the policy requirements
 Decides to visit prospective and existing clients
 Decides on the choice of clients to attend bank's events 
  Managing customers who are disputing interest rates 
 Negotiating with clients who intend to move business from the bank by tailor making products to suit their needs
 Ensuring compliance to the bank policies and procedures
 Managing client excesses to minimise the bank's loss 
 Managing debt work outs for clients and restructuring of problematic loans
 Advising clients on complex facility structures 
 Managing queries on international transcations in view of the bank's OFAC listing


Job evaluation subgrade: C