ECOBANK CAMEROUN SA is recruiting for the needs of its services, (01) Relationship Manager SME who can practice throughout the national territory.
This position is based in Yaoundé
Job Level: 6 – Job Grade: 3A
JOB OBJECTIVES
- Manage a portfolio of small and medium-sized business clients by addressing all of the financial and non-financial needs of these clients;
- Achieve sales and business development goals
- Ensure the growth and profitability of the portfolio;
- Ensure excellent quality of service and build lasting, strong and profitable relationships with customers
- Provide customers and prospects with various advice and share various public documents (brochures, articles, etc.) useful for the development of their activities
- Prepare and submit credit files in accordance with the policy in force and the laws of the country
MAIN RESPONSIBILITIES
Business management
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- Establish annually an approved target market document with complete documentation on customer segmentation, target customers, products, services, revenue and forecast profitability.
- Achieve specific objectives in terms of deposits, loans, income, opening of accounts, and digitalization
- Build customer loyalty by giving them time and a frequency of calls and regular visits; and generate concrete and profitable sales
- Increase the portfolio in number of customers and in revenue by at least 30%.
- Ensure reliable recording of all customer transactions including deposits, loans, costs generated; and perform the reconciliation with the Finance department
- Monitor and maintain relevant performance indicators on a daily, weekly, monthly, quarterly, half-yearly and annual basis while including regular reconciliations with the Finance Department
Digitization & Follow-up of customer relations
- Digitize all customers in the portfolio and encourage customers to favor our various digital platforms for their collections and payments with a goal of at least 80% of the portfolio being adequately equipped
- Develop strong internal relationships that will ensure excellent customer service and achieve assigned objectives
- Take charge of and follow up on customer complaints, process-related problems and work to avoid incidents in the portfolio
- Be informed and proactive in relation to new developments, new market trends and trends and propose adequate solutions in terms of products and services
- Record all customer interactions in Ecobank Engage
- Advise/inform clients on the various pricing, procedures and on any other changes to the operation of accounts and the use of products and services
Confirmation & risk management
- Ensure proper management of legal instructions on the accounts
- Ensure that all orders or requests related to transactions (credits, transfers, investments, etc.) are compliant at the time of receipt
- Collect and clear the various transfer files (issued or received) and approved deferred documents
- Ensure the compliance of the measures applicable at the level of Know Your Customer
- Mastering and applying national and international anti-money laundering provisions
- Ensure that all credit transactions and related documentation comply with applicable internal policies and local laws.
- Ensure that all credit lines in place are valid and duly approved under an acceptable TAT.
- Perform monthly visits to committed and non-committed customers, and prevent portfolio deterioration through regular alerts
Strategic Initiatives
- Establish and regularly transmit the program of customer visits
- Follow up on ongoing transactions and registered complaints
- Maintain customer profiles in the system as well as physical records
- Monitor on a daily basis the implementation of actions agreed with the client following visits/calls
- If necessary, ensure the back up of other Account Managers
- Establish a reliable and honest feedback on its performance
- Share knowledge and best practices with team members
- Build a strong personal membership through involvement in the various activities of the bank
JOB PROFILE
Hierarchical Superior:
- Branch Manager
- Head EMS
JOB PROFILE
Experience & Qualifications
- Bac / Advanced Level + 4/5 in Banking and Finance, Sales, Marketing, Commerce, Accounting or any other equivalent diploma
- Minimum 5 years of relevant experience in banking or sales
- Excellent knowledge of the banking market, banking products and the environment of small and medium enterprises in Cameroon
- Thorough knowledge of cash management products and trade finance products
- In-depth knowledge of the multi-channel offer and the sales cycle
- In-depth knowledge of credit risk
- Perfectly bilingual
- Abilities, personal qualities
- Good ability to develop and consolidate interpersonal relationships
- Customer and result oriented
- Strategic thinking ability
HOW TO APPLY?
Please send your CV and cover letter to ECM-Recruit@ecobank.com , mentioning in the subject line “ Relationship Manager SME ”
NB: Only applications corresponding to the selection criteria will be invited
Deadline: February 14, 2023 at 5 p.m. sharp