Job Description

JOB TITLE

Commercial Relationship Manager

LEVEL/BAND

MS30

DEPARTMENT

Banking

DIRECT REPORT (JOB TITLE)

Overall Purpose of the Position

• To be responsible for developing and managing a portfolio of Credit facilities for Commercial customers as well as assisting in the planning, organization, coordination and controlling of activities relating to Commercial Banking.

Operational Responsibilities

• Evaluate financing proposals submitted by prospective borrowers and, where applicable, approve or decline applications within their delegated authority or submit recommendations to the Corporate Relationship Manager or Head of Commercial in accordance with the Bank's lending procedures and regulations.
• Manage, monitor, control, review and service a portfolio of Commercial customers under his / her responsibility.
• Provide an excellent service to customers, attending diligently and in a timely manner to their requests.
• Negotiate with customers the best terms and conditions possible for the Bank.
• Prepare periodical Business plans, including the underlying Budgets and Action plans to ensure pre-determined growth within defined timeframes and contribute towards the achievement of the Annual Operating Plan.
• Identify and contact potential customers with the aim of winning new business and to meet annual targets set in terms of growth in the lending portfolio and generation of ancillary income.
• Mentor, coach and support staff reporting directly or indirectly to him / her.
• Sell advances products as well as cross-sell other products and services to customers.
• Periodically review the Bank’s internal controls and procedures and report any deficiencies / recommend areas for improvement to the Corporate Relationship Manager or Senior Manager Commercial.

General Responsibilities

• Actively interfaces with the Corporate and other Commercial Relationship Managers and other Commercial Relationship Managers and the Head of Commercial within CBU to ensure the achievement of smooth and efficient processes, growth in the loan book and increase in revenue.
• Leads, inspires and coaches team members to achieve their targets while supporting their professional and personal development.
• Supports management projects and participates in the development of policies and procedures, including through activity in working groups.
• Performs any other duties that may be assigned from time to time.
• Ensures compliance with all relevant laws, policies, and regulations as a matter of course.

Qualifications, Skills & Competencies

Mandatory

Skill

• Strong leadership and management skills to successfully motivate, coach and develop team members to reach high performance
• Very good writing, analytical and problem-solving skills, with an ability to discern issues and focus on material risks in applications for finance.
• Proven track record in achieving results.
• A commitment to quality and high service levels to customers receiving a service from CBU.
• Able to work independently and as part of a team.
• Able to communicate complex ideas clearly.

Experience

• A minimum of 2 years experience in commercial banking.

• Previous customer service experience.

Qualification

• -

Desirable

Skill

• -

Experience

• -.

Qualification

• A professional qualification in banking, finance, risk, compliance or related field would be considered as an asset.

Position level (1 being the highest level)

1. Head of Department
2. Managerial & Specialist Positions
3. Middle Management & Specialist Positions
4. Technical & Clerical Positions

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