Zanaco Plc is inviting applications from suitably qualified and experienced individuals for the following jobs aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Business Banking Department in the Commercial Banking Section situated at Head Office : -
MANDARIN (CHINESE) SPEAKING SENIOR RELATIONSHIP MANAGER (X1)
Coordinate the sales efforts for liabilities & assets; extensively market low cost liabilities and identify suitable assets for on-boarding.
Collaborate with Transactional Banking staff to ensure proposals and tenders have input and are submitted timely. To ensure and track implementation of solutions with product teams Transactional Banking, Treasury etc.
within the agreed turnaround time. To maximise revenue from the relationships across the portfolio by cross selling products and solutions that increase wallet share as well as track action points contained in call reports to their logical conclusion.
Under the supervision of the Head Commercial Banking the following are among the job key responsibilities : -
Originate, maintain and develop relationships in commercial banking market and or more in the specifically defined portfolio
Manage a commercial banking loan book within parameters provided by Risk Management
Negotiate terms and conditions and prepare information pack for Corporate Credit to prepare credit applications for new and renewal of loan facilities for Commercial Banking clients
Proactively Initiate all credit proposals and obtain appropriate approvals
Coordinate post approval actions of credit facilities for the Unit
Present and defend Commercial Banking credit applications in the Credit Committee
Prepare Call Planning, Call Reports & Tracking Templates 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 & Transactional Banking products and refer potential clients of the Bank for SMEs, Agric and Retail
Assist Head Commercial Banking with product knowledge and market research (Desk top)
Coordinate and provide input to GLC & credit processes and create bank proposals and track to make certain of their timely delivery
Track and coordinate the implementation of transaction banking solutions to customers
Act as a principal point of contact in the absence of Head Commercial Banking
Introduce new business to Head Commercial Banking
Assist the Head Commercial Banking s’ business development activities, business planning, customer acquisition and strategy, business research and marketing
Collate all action points raised in call reports and 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 and compliments received
Jointly work with Corporate Credit & Risk on credit issues with a view of implementing the Zanaco credit processes
Identification and onboarding of new customers
Incremental business and / or new solutions to existing customers
Development and implementation of the sales strategy
Assists in coordinating the implementation of Commercial Banking customers
Ensuring that there is no income leakage in the unit.
INTERNAL / EXTERNAL CONTACT
External : Existing / prospective c ustomers.
Internal : All Divisions.
QUALIFICATIONS AND EXPERIENCE
Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.
University Degree in relevant subject or equivalent.
Professional Diploma in Banking and Finance is an added advantage
At least five (5) years banking experience
Fluency in Mandarin is mandatory
Thorough knowledge of the Bank products and services and credit processes
Basic understanding and interpretation of financial statements
Knowledge of the Bank’s account opening process
Detailed knowledge of the business environment and the market dynamics including the rules and regulations that govern the Bank’s business in Zambia.
Understanding of relevant legislation e.g. KYC, Anti Money laundering, Banking code.
Understanding of customer service policies and processes
Demonstrated complaint handling and resolution skills
JOB CORE COMPETENCIES
Excellent verbal and written communication skills
Excellent social / interpersonal skills
Networking / Liaison
Persuading and selling
Attention to detail
Drive for results
How to Apply