Obtains, retains, grows depositing and borrowing customers for the bank. Appraises, critically analyses and recommends applications to the bank credit committees (ZB Bank Credit Committee and ZB Bank Board Credit Committee.Assesses, monitors and reviews the risk profile of the client.Manages and maintains relationships with clients and gives advisory services to clients.Monitors clients in excess to remain within agreed limits of facilities and/or restructure the facility in liaison with the bank credit committees.Liaises with other divisions and group companies to ensure timeous turnaround and efficient delivery of service. Makes lending decisions.Monitors and assesses clients� business performance whether it�s in line with industry standards.Assesses security offered by the client and initiates professional valuation of security.Sets facility profile (i.e.) limits, maturity dates, review dates, reporting requirements, security.Interviews clients and handles all correspondence between clients and the bank.Countersigns facility offer letters and other important documents.Visits clients to perform business analysis (market and industry analysis).Maximise return from the relationship profile by cross selling and promoting the products and services of the Bank; Mobilises deposits from customers for investment within the Group.Prepares various reports required by Business Risk Department or Head of Corporate Banking Appraises, critically analyses and recommends applications to the bank credit committees (ZB Bank Credit Committee and ZB Bank Board Credit Committee.Performs any other duties as assigned by superior. 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 .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. 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