Relationship Manager (Equity Role) - Reference SSRM

CORE PURPOSE OF THE JOB To manage and grow the Corporate Division within the respective region by promoting the Bank’s Shariah compliant products and services. MAIN FUNCTIONS OF THE JOB New and Existing Customer Relationships

• Identifies customer needs by visiting clients in order to ascertain how the banks products and services can meet their financial requirements.
• Requests for financial information and other supporting documentation from the client in respect of finance transactions.
• Receives documents from clients and discusses the application and customer requirements with the Corporate Credit Analyst for the application process to ensue.
• Addresses queries raised by the Executive Credit Committee in respect of the finance deal for it to be approved.
• Proactive client management, effective communication, client visits and minimal client complaints.

• Maintenance of fees to ensure no fees unallocated over 30 days.
• Management of clients in SM category below 5% of advances.
• Maintain insurance below 5% of advances.
• Management of ‘Other Conditions’ and Covenant list.
• Proactive management of NFDs.
• Endeavours to maintain arrears below 1% of the gross advances.
• Ensuring that trade and asset facility reviews are completed prior to review date on time.

• Management of staff within the Corporate Branch with respect to employee performance, recruitment, appraisals for the year.
• Ensures compliance with the mandatory annual leave for staff.

• Acts as a relief in the absence of the Corporate Manager in terms of management of corporate portfolio and all administrative tasks.
• Attends to general staff related matters.

• Attends management meetings as and when required such as Exco, ECC, etc.
• Responds to any internal and external audit queries when the need arises.
• Assists with preparation of Corporate Divisions budget on a yearly basis for submission to Executives for approval.
• Drafting the strategies to be implemented by the corporate division for the upcoming year.
• Represents the Bank at functions and events.
• Travel within the region is a requirement.

• A Related Commerce / Finance degree will be required to meet the requirements of the role at the highest level of competence.
• The incumbent is required to be FAIS accredited.
• Valid Driver’s license.

• Minimum of 5 years Banking (finance/credit) experience with at least 2 – 3 years in management capacity.
• Experience in an Islamic Banking environment would be preferable.

• Shariah principles.
• The Bank’s products and services.
• The Bank’s policies, procedures and guidelines.
• Equation System.
• Microsoft Office.
• The Bank's Financial System (AFS).
• General accounting principles and practices.
• Financial statement analysis.
• Financial Advisory and Intermediary Services Act (FAIS) and Financial Intelligence Centre Act (FICA).
• Basic knowledge of legal agreements, legal entities and related statutory requirements.