Deputy Relationship Manager - Middle Market Enterprises

About the role

This role assists the Team Leader (SM / RM – MME) in managing the assigned client portfolio and maximising income generation. It covers credit analysis, client relationship management, coaching of Relationship Assistants and coordination with branches and other service departments.

Key responsibilities

• Analyse credit proposals covering financial, market, industrial, economic and other aspects, prepare reports for credit approving authorities and complete all required documentation.
• Maintain good relationships with clients to ensure optimum use of approved limits, working with the team leader and branches.
• Carry out annual reviews of facilities in the portfolio and ensure minimum or zero non-performing loans in the assigned portfolio.
• Facilitate cross-selling of the Bank's products and services with branches and product stakeholders, meeting set objectives.
• Coach and mentor Relationship Assistants and assign them operational work.
• Coordinate with other departments and branches on account opening, disbursements, recoveries, transactions and legal documentation.
• Monitor covenants and conditions for each client and ensure adherence.
• Undertake periodic client visits with the TL, ZM, RM or BM for facility reviews.
• Prepare and analyse MIS reports.

Required profile

• Minimum of 5 years' experience in a bank or financial institution with credit exposure.
• Part qualification in banking (CBF/IABF) or CIMA/CIM/ACCA/CFA (stage 2), or completion of 2 years of a 3-year degree program.

Required skills

• Strong financial analysis skills.
• Above-average knowledge of lending and finance theory and practice.
• Basic marketing and sales skills.
• Fair understanding of trade financing and treasury operations.
• Good interpersonal and communication skills; ability to work in a fast-paced, agile environment with minimal supervision.
• Sound knowledge of MIS and analytics.