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 Corporate & Investment Banking at Kitwe Business Centre:

JOB PURPOSE

• Manage relationships under the Global and Large Corporate portfolio for the Copperbelt region under the supervision and guidance of the Head – Global Corporates on a daily basis.
• Attain targeted sales goals, performance targets and customer net promoter score through the effective management of the portfolio
• Directly responsible for the management of the portfolio to ensure smooth running of each account.
• Review account plans for all networked customers with a view to enhancing business volumes and earnings
• Conduct joint calls with product partners with emphasis on cross selling to increase wallet share for the Bank.
• Ensure no loss of valued corporate relationships
• Quarterly review of portfolio performance per account

QUALIFICATIONS/EXPERIENCE

• University Degree in Economics, Business Administration and any Finance related field of study. An MBA will be an added advantage
• Minimum of five years in a related role particularly in a corporate sales environment.
• Working knowledge of financial products and services.
• Demonstrated selling, negotiation and communication skills
• Demonstrates sound knowledge of PowerPoint and presentation skills.

• Responsible for implementing marketing strategies to develop existing portfolio and development of new opportunities.
• Identify and implement marketing strategies and business opportunities development and implementation of network sales process to drive pipeline growth and deal execution.
• Understand customer needs and provide them with products and services to achieve business objectives
• Provide support in structuring propositions to maximize business opportunities of an acceptable quality.
• Negotiate terms and conditions and prepare credit applications for new and renewal of loan facilities for corporate clients
• Present and defend credit applications in the Management Credit Committee sittings/meetings
• Establish and effective sales call cycle for key customers, partners and contacts and update the “deal pipeline”.
• Complete the wallet size for clients timely & appropriate file all client calls, client communications, internal memos, credit papers on the assigned portfolio.
• Timely initiate all credit processes (extensions, excesses full briefs, annual reviews)
• Cross Sell Trade, Treasury and transaction products and refer potential clients of the Bank for Commercial and Agric and Retail.
• Assist Head – Global and Large Corporates with product knowledge and market research
• Act as a principal point of contact in the absence of Head – Global corporates
• Collate all action points raised in call reports, track and drive each action to its conclusion.
• Assist in the communication and implementation of any action necessary to improve service in respect of complaints/compliments received.
• Preparation of the credit appraisal and performance of all necessary due diligence procedures for clients seeking credit.
• Monitoring performance of all accounts and credit facilities in the portfolio.
• Be aware and fully understand all the terms of the credit policy.
• Act in accordance with the relevant regulatory requirements and standards
• Manage the loan book within parameters set by risk management
• Assess risk and business strategies of the portfolio and ensure compliance with regulatory requirements.

• Working knowledge of financial products and services
• Demonstrated selling, negotiation and communication skills
• Sound knowledge of PowerPoint and presentation skills

• University Degree in Economics, Business Administration and any Finance related field of study
• MBA will be an added advantage