This role is for a Relationship Manager focused on the Agriculture Sector within the Corporate Banking Division, reporting directly to the Head, Agriculture Sector. The primary purpose of this position is to drive business growth through the acquisition of new clients and the expansion of the existing portfolio within the Agriculture Sector.
The role holder is expected to actively implement the Agriculture Sector Banking Business Development initiatives within the Corporate Division. This involves determining innovative solutions, leveraging best practice, and assimilating proven practices to ensure exceptional customer experience and overall efficiency.
Key Responsibilities
- Implement the Agriculture Sector Banking Business Development initiatives in line with the Bank strategy and business growth plan.
- Identify opportunities for growth and new business acquisition through market research, analysis, and networking.
- Develop, grow, and maintain a strong client and transaction pipeline, converting these opportunities into businesses that meet customer satisfaction, the bank's financial targets, and strategic goals.
- Actively market and drive the uptake of Agriculture Sector Banking services and products to new and existing clients, identifying opportunities for cross-selling of relevant products and services.
- Manage day-to-day client relationships and engage with customers to foster a good and lasting business partnership with the Bank.
- Promote excellent customer experience by driving and advocating customer requirements through various functions in the bank to deliver high service standards.
- Ensure full compliance with Agriculture Sector Banking standards while adhering to the Bank’s policies and procedures.
- Partner with Regional Management, Branch Management teams, and Support Functions to increase market share of the Agriculture Sector Banking segment (customer numbers, products, service consumption, and revenues) while proactively reducing the nonperforming loan book.
- Collaborate with Branch Managers to drive account utilization and sustainable deposits.
- Drive transactional income from Agriculture Sector Banking clients through effective customer service and cross-selling the Bank’s products and services.
- Establish profitable banking relationships with Agriculture Sector Banking clients by providing high-quality banking and other financial services.
- Provide feedback to Management on Agriculture Sector Banking market analysis and segmentation regarding products, credit risk evaluation, and customer feedback.
- In liaison with other stakeholders, ensure quality portfolio management by effective identification of risks and their mitigations.
- Conduct preliminary credit reviews and make recommendations for new and existing facilities in line with the Bank’s credit policy and Agriculture Sector Compliance guidelines.
- Regularly monitor performing and non-performing accounts within the assigned portfolio.
- Support and coordinate post disbursement loan monitoring.
Qualifications, Skills & Experience
Qualifications & Experience:
- A University Degree in Business Administration, Economics, Finance, Banking, or its equivalent from a recognized institution.
- Five (5) years’ banking experience in the Financial/banking sector.
- A minimum of three (3) years of the experience must be in Relationship Management specifically within the Agriculture Sector.
- A Master’s degree in a relevant field from a recognized institution is an added advantage.
- Relevant certification in business development, Finance, or its equivalent is an added advantage.
- Sound understanding of statutory and regulatory requirements relating to corporate governance, business, and banking operations.
Key Competencies:
- Entrepreneurial and Commercial thinking.
- Excellent research, analytical, and problem-solving skills.
- Integrity and courage to challenge actions within various business units and the status quo.
- Strong persuasion, management, and communication skills (interpersonal and presentation).
- Strong organizational skills.
- Excellent stakeholder management skills.
- Creative approach, with the ability to anticipate challenges and develop innovative solutions.
- Customer & Client Focused Innovation – ability to meet the demands of internal and external customers.
- Meaningful Collaboration - Ability to establish key partnerships and facilitate, influence, collaborate, and establish accountability across all levels of the organization to help drive uptake of the Bank’s products and services.
- Ability to prioritize, meet deadlines, and work under pressure.
- Effective communication.
