Relationship Manager Commercial Banking at Ecobank
Job Description
Business and Financial Performance
Assist in the preparation of the branch budget estimates.
Analyse business growth opportunities in the local market and develop appropriate strategies for capturing and growing our market share.
Work jointly and proactively with Business Segments (Consumer & Corporate Banking) and product partners to increase Ecobank’s wallet share within the respective markets.
Achieve targeted product cross-sell ratios and increase customer adoption of Ecobank’s products and services.
Ensure that various business segments in the branch maintain a CABAL that is commensurate with overall budget projections.
Ensure that all incomes are properly recognized.
Grow the deposit base of the branch with specific focus on low-cost deposits, collections, value-chain business and channels—across all business segments.
Achieve cost-income ratio targets of the business.
Ensure that credit approval memoranda (CAM) meet the bank’s credit policy guidelines and loan accounts are operated within ‘credit approval’ limits.
Conduct regular business performance and profitability reviews.
Ensure all Non-Performing Loan (NPL) & Past Due Obligation (PDO) ratios are kept within budgeted limits.
Attain targeted sales goals, performance targets and customer satisfaction levels through effective resource management.
Identify and market prospects within the target market.
Exceed customers’ expectations.
Establish and sustain a customer-centric business culture in the branch, leveraging people and technology for service excellence.
Sustain/drive increased digital channel utilization, focusing on ATM uptime, card adoption and activity levels, mobile banking adoption, retail internet banking (RIB), OMNI, POS activity and collections.
Call on customers (per calling policy requirements) to determine business needs, obtain service feedback, and ensure customer satisfaction.
Client Centricity
Constantly review strategies to ensure excellent, efficient and comprehensive customer service, quality standards, and branch ambience are upheld.
Ensure high customer satisfaction as monitored through customer feedback surveys and Net Promoter Scores (NPS).
Efficiently liaise with internal departments/units—CIB, Trade, Risk, EBS, etc.—including other branches, to drive business volumes and profitability.
Process, Control and Operational Performance
Promote high ethical and integrity standards and ensure Ecobank Values are upheld at the branch.
Ensure a strong internal control system is in place and monitor its adequacy and effectiveness.
Achieve satisfactory BO audit ratings and full compliance with KYC/AML and regulatory guidelines.
Achieve and sustain effective balance sheet management.
Recommend improvements to management for enhancing operations and customer satisfaction.
Strategic Initiatives
Drive, champion, and sustain the ongoing Ecobank transformation and digitalization agenda.