Tag Archives: banking

Senior Relationship Manager

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Corporate and Investment Banking Department to be based at Head Office:-

SENIOR RELATIONSHIP MANAGER (X1):

JOB PURPOSE

The Senior Relationship Manager will be responsible for coordinating the sales efforts for liabilities and assets, extensively marketing low cost liabilities and identifying suitable assets for on-boarding. He/She will ensure and track implementation of solutions with product teams, GTS, Treasury, Scheme loans, within the agreed turnaround time and collaborate with GTS staff to ensure proposals and tenders have Corporate and Investment Banking (CIB) input and are submitted timely.

Under the supervision of the Head – Large Corporates, the following are among the Job Key Responsibilities:-

  • Originate, maintain and develop relationships in corporate market and or more in the specifically defined portfolio.
  • Manage a corporate loan book within parameters provided by Risk Management.
  • Negotiate terms and conditions and prepare information pack for Corporate Credit to prepare credit applications for new and renewed loan facilities for CIB clients.
  • Present and defend CIB credit applications in the Credit Committee.
  • Attend regular meetings with customers, product teams and other internal stakeholders.
  • Prepare Call Planning, Call Reports & Tracking Templates and update the deal pipeline.
  • Complete the wallet size for clients and timely & appropriately file all client calls, client communications, internal memos and credit papers on the assigned portfolio.
  • Timely initiate all credit processes (extensions, excess full briefs, annual reviews).
  • Cross-sell Trade, Treasury & GTS products and refer potential clients of the Bank for SMEs, Agric and Retail.
  • Assist Head – Large Corporates (LC) with product knowledge and market research (Desktop).
  • Coordinate and provide input to GLC & credit processes and create bank proposals and track to make certain of their timely delivery.
  • Assist the Head – Large Corporates’ business development activities, business planning, customer acquisition and strategy, business research and marketing.
  • Collate all action points raised in call reports and track and drive each action to its conclusion. This is an integral part of the role.
  • Assist in the communication and implementation of any action necessary to improve service in respect of complaints/compliments received.
  • Jointly work with Corporate Credit & Risk on credit issues with a view to implementing the Zanaco credit processes.
  • Coordinate post-approval actions for credit facilities for the Unit.
  • Proactively initiate all credit proposals and obtain appropriate approvals.
  • Appraise Head – Large Corporates of any appropriate market information.
  • Develop and implement sales strategy and ensure that there is no income leakage in the unit.
  • Refer to Head – Large Corporates on non-business relationships that are acceptable and profitable to the bank.

INTERNAL/EXTERNAL CONTACT

  • External: Existing/prospective customers, Competitors, Local regulators on statutory matters and Key Business Introducers (KBI’s) – Accountants, Lawyers.
  • Internal: All Divisions

QUALIFICATIONS AND EXPERIENCE

  • Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.
  • University Degree in a relevant subject.
  • Professional Diploma in Banking and Finance will an added advantage.
  • At least five (5) years banking experience in corporate sales/customer service.
  • Corporate and Investment Banking (CIB) knowledge, including products not specifically offered within CIB e.g. FX Trades and workforce banking.
  • Understanding of relevant legislation e.g. KYC, Anti – Money laundering, Banking code.
  • Understanding of people policies and processes.
  • Robust understanding of credit risk management.

JOB CORE COMPETENCIES

  • Excellent verbal and written communication skills
  • Excellent social/interpersonal skills
  • Delighting customers
  • Networking/Liaison
  • Persuading and selling
  • Attention to detail
  • Drive for results
  • Analytical thinking
  • Team work

APPLICATION PROCEDURE

All applications must have an application/cover letter and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to vacancies@zanaco.co.zm no later than Tuesday, 6th March, 2018.

Kindly note that you MUST attach copies of qualifications along with the application/cover letter and curriculum vitae.

ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.

Zanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).

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Card Operations Manager

JOB ADVERTISEMENT

Investrust Bank Plc is looking for suitably qualified, vibrant, self-motivated individuals to fill the position below that have fallen vacant under the Retail and Business Banking and Operations Departments respectively.

Position title: Card Operations Manager (x1)

Locations: Lusaka

Purpose of the Job

Reporting to the Head – Operations, the job holder will responsible for implementation of Card Projects and Launch, review and make recommendation to accounts department for invoice payment to Banks service Providers, Coordination of Card department daily activities and Processes ; Card and Pin Mailer Production function. Ensure printed Visa consignments are collected from card printers premises on timely manner, Visa Card Settlement and Reconciliation, and Branch Card Query Resolution (Product Quarterly Assurance and Facilitate for Branches to achieve profitability levels from Issued Visa Card Products to esteemed customers). Submission of weekly and Monthly Card Statistical reports to Head Operations Office for strategic planning purposes and department goal setting.

Duties and Responsibilities

1. Electronics :

  • To carry out activities of the Bank’s electronic Card Business which include Visa; ATM, POS, POS,
    ONLINE PURCHASE card transactions to ensure that clients are offered a more convenient service that will facilitate generation of desired revenue from the Banks Card Business.

2. Produced Cards:

  • Ensure Card Suppliers maintain adequate Card stock supplies for card production in order to ensure availability of materials to meet production commitments.

3. Informed Parties

  • Provides information relating to card transactions such as settlements to relevant authorities in order to facilitate resolution of disputes between Visa participating Banks in accordance with stipulated rules and regulations.

4. Resolved Problems

  • Probes into Branch customers service complaints to ensure that their concerns are responded 10 and resolved.

5. Reconciled Transactions

  • Balance card transactions to ensure that settlement differences between Visa participating Banks are reconciled and resolved.

6. Maintained Machines

  • Checks all ATMS process Visa Cards and as well as other Bank Cards and report malfunctioning to relevant authorities to ensure that machines are kept in good working conditions to generate desired revenue in line with Banks Vision, goals and objectives.

7. Sectional Reports

  • Compiles and submits statistical reports to immediate supervisor to ensure that management is kept informed on the performance of the card business.

8. Settled Payments

  • Process payments to ensure settlement and clearance of card payments/ transactions with other Banks.

9. Motivational Environment

  • Monitors staff performance to ensure staff are motivated to satisfy customers needs within stipulated service agreement levels.



Qualifications and Experience

1. Bachelors Degree in a relevant field such as Banking, Information Technology , Accounting, Marketing or Human Resource.

2. Five (5) years experience in banking with in- depth knowledge of electronic products such as ATM’s, Visa and Master Card Product’s e.t.c knowledge of reconciliation procedures, experience in investigating/ resolving settlement differences.

Attributes:

The job holder should possesses good communication, analytical, arithmetical, leadership and problem solving skills.

Applications and CVs should be emailed to:jobs@investrustbank.co.zm not later than 24th February, 2018.

*Please note that only shortlisted candidates will be contacted.

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Legal and Compliance Manager

First Capital Bank Zamia invites applications from suitably qualified candidates with relevant experience for the position below aimed at contributing to the Bank’s strategic vision, in the Risk and Compliance Department, Reporting to the Chief Risk Officer.

LEGAL AND COMPLIANCE MANAGER

JOB PURPOSE

The Legal and Compliance Manager leads the Compliance Function within the Bank providing strategic direction and focus and needs to develop Bank-wide compliance coverage plans and achieve the Compliance Function’s targets and serve as Company Secretary for the Bank; facilitating all Board activities and ensuring good information flows within the board and its committees and between senior management and non-executive directors.

Under the supervision of the Chief Risk Officer, the following are among the Job Key Responsibilities:-

  • Track all issues and requests made by Bank of Zambia, Financial Intelligence Centre etc. to ensure that they are resolved in good time.
  • Send regular updates to management on compliance issues to ensure that no identified issues “fall through the cracks”.
  • Ensure compliance with the Bank’s policies by all Bank employees
  • Carry out assessments to ensure that compliance issues are being managed as prescribed and checking all controls to ensure that they are designed efficiently and are working in mitigating and managing risk.
  • Perform independent observation on the application and adherence of the bank regulations and process within the administration environment within branches.
  • Play a key role in the planning and execution of all Board Committee meetings, including oversight of logistics. Key activities include, but are not limited to:
  • Initial review and coordination of agendas and negotiation with various stakeholders to finalize meeting agendas
  • Oversight and co-ordination of the Board Committee meetings material mailing process
  • Play a key role in the preparation of material for the meetings, coordinate Committees and Board papers by collecting from departments. Follows up with departments regarding any pending papers/items Communicates status of Board paper(s) to appropriate individuals at Company’s
  • Utilises Board Books to upload new papers and revised papers for monthly Committees and Board meetings
  • Assist with the preparation of the Board Committee meetings minutes, and liaise with various stakeholders to ensure accuracy and reflection of the substance of the meetings
  • Attend and take minutes of the allocated Board Committee meetings.
  • Oversee the preparation and management of rolling agendas and follow-up trackers, accurately reflecting matters for submission at Board Committee meetings
  • Acts as custodian of confidential corporate documents and records. Acts as liaison with Board of Directors. Prepares correspondence and presentations for events, meetings, etc. Meets strenuous deadlines
  • Filing and maintenance of board papers (including stamping of documents). Ensures all documentation is placed properly in Board Books and binders for monthly Committees and Board meetings
  • Responsible for planning all details pertaining to meetings and /or events including national and international locations including planning and arranging travel for directors
  • Ensuring good information flows within the board and its committees and between senior management and non-executive directors, as well as facilitating induction and assisting with professional development as required
  • Ensuring compliance with corporate law and regulations
  • Communicating with shareholders –issuing circulars, paying dividends, answering questions and organising shareholder meetings
  • Rendering effective legal assistance in the preparation of legal opinions, studies, reports and correspondence as required from time to time
  • Keeps management apprised of new legislation and regulations regarding the institution.
  • Supervising the preparation of responses to all legal documents served on the bank
  • Directly supervising and coordinating all relationships with outside counsel retained by the institution and reviews all legal bills submitted to the Legal Department for propriety and reasonableness of charges payment
  • Offering counsel on a variety of legal issue and advising on contract status, legal risks, and the legal liabilities associated with different deals
  • Researching and anticipating unique legal issues that could impact the Bank
  • Other duties may be assigned.




REQUIRED COMPETENCIES/EXPERIENCE

CRITICAL KNOWLEDGE/QUALIFICATION:

  • Bachelor’s Degree in Law with at least three years’ post qualification experience.
  • Must have a valid practicing license
  • Must be a member of the Bar
  • Must have a clear understanding of current Banking Rules and Regulations
  • Must be update with current Banking and Financial sector legislation.

CRITICAL SKILLS:

  • Business awareness and management skills;
  • Organizational skills and the ability to understand detailed information;
  • Computer and numeracy skills, with strong skills required for MS Word/Excel/PowerPoint
  • Strong interpersonal skills to form effective working relationships with people at all levels;
  • Discretion
  • Must have high integrity and must be approachable

CRITICAL EXPERIENCE:

  • Minimum of three (03) years post qualification experience
  • Minimum of 3 years’ experience in a Banking environment
  • Experience in dealing with Senior/Executive Management
  • Experience researching and giving legal opinions

APPLICATION PROCEDURE

All applications MUST have an application/cover letter, and a detailed Curriculum Vitae indicating the position being applied for in the subject line and should be sent by email to recruitment@firstcapitalbank.co.zm no later than Wednesday, 31st January, 2018. All Applications should be addressed to the Head Human Resources and Administration, First Capital Bank, KPTF Building, LUSAKA.

Please ensure that you mention www.gozambiajobs.com as the source of this job advertisement.

ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.

First Capital Bank provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).

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Relationship Manager-Institutional Banking

Access Bank Zambia Limited commenced operations in September 2008. The Bank is a member of the Access Bank Group, a leading multinational, financial services franchise made up of seven African Banking subsidiaries and one in the United Kingdom.

Leveraging off the network and capabilities of the Group, we are at the forefront of innovation in the Zambian Banking sector pioneering electronic payment of taxes in 2010 and launching first U.S Dollar Credit Card issued by a Zambian Commercial Bank in 2012. Access Bank Zambia is seeking to recruit self-motivated, enthusiastic and innovative persons to fill the following positions:

Relationship Manager-Institutional Banking

Reporting to the Head of Institutional Banking, s/he will:

  • Draw up work schedules for identifying and marketing prospective customers
  • Plan and report on Marketing calls for the unit
  • Negotiate foreign exchange and credit rates with customers within limits set by the bank to ensure maximum profitability to the bank
  • Prepare the Team’s annual budget for consolidation and incorporation into the Group budget by the Group Head

Qualification and Skills:

  • Minimum First Degree from recognized university in a relevant discipline,
  • Minimum of 5 years’ experience in a bank or other financial institution.




Please indicate the job title in the subject of your email and use your full name and the job you are applying for as the filename of your application.  Applications should consist of your cover letter and CV only, in a single document. Hand delivered or posted will not be accepted. The closing date for accepting applications is 24th January, 2018. Please ensure that you mention www.gozambiajobs.com as the source of this job advertisement.

Only short listed candidates will be contacted.

All applications should be e-mailed to: vacancies.accessbankzambia@gmail.com

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Relationship Manager – Commercial Banking

Access Bank Zambia Limited commenced operations in September 2008. The Bank is a member of the Access Bank Group, a leading multinational, financial services franchise made up of seven African Banking subsidiaries and one in the United Kingdom.

Leveraging off the network and capabilities of the Group, we are at the forefront of innovation in the Zambian Banking sector pioneering electronic payment of taxes in 2010 and launching first U.S Dollar Credit Card issued by a Zambian Commercial Bank in 2012. Access Bank Zambia is seeking to recruit self-motivated, enthusiastic and innovative persons to fill the following positions:

Relationship Manager – Commercial Banking

Reporting to the Head of Commercial Banking, s/he will:

  • Draw up work schedules for identifying and marketing prospective customers
  • Plan and report on Marketing calls for the unit
  • Negotiate foreign exchange and credit rates with customers within limits set by the bank to ensure maximum profitability to the bank
  • Prepare the Team’s annual budget for consolidation and incorporation into the Group budget by the Group Head

Qualification and Skills:

  • Minimum First Degree from recognized university in a relevant discipline,
  • Minimum of 5 years’ experience in a bank or other financial institution.




Please indicate the job title in the subject of your email and use your full name and the job you are applying for as the filename of your application.  Applications should consist of your cover letter and CV only, in a single document. Hand delivered or posted will not be accepted. The closing date for accepting applications is 24th January, 2018. Only short listed candidates will be contacted.

All applications should be e-mailed to: vacancies.accessbankzambia@gmail.com

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Business Analysis Specialist

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Commercial and Agriculture Banking Department at Head Office:-

BUSINESS ANALYSIS SPECIALIST (X1)

JOB PURPOSE

Responsible for supporting the Head Commercial and Agriculture Banking in developing and delivering plans and initiatives that will ensure the successful development and implementation of the Bank’s Commercial and Agriculture Banking Strategy and plans. To provide support in researching and analysing the Bank’s Commercial and Agriculture Banking Performance in order to highlight areas requiring targeted interventions to ensure achievement of the department’s overall strategic goals.

Under the supervision of the Head Commercial & Agriculture Banking, the following are among the Job Key Responsibilities:-

  • To collect data for developing relevant business planning models for the Commercial and Agriculture Banking strategic planning process.
  • To develop and adapt reports on key performance indicators to ensure that business managers can measure, monitor and continuously improve performance.
  • To assist in the planning, developing and coordination of the production of performance reports.
  • To support the development of surveys and audits for supporting service developments.
  • Participate and contribute in the development and formulation process of the Commercial and Agriculture Banking strategy as may be required by the Head Commercial and Agriculture.
  • Assist the Sales Team with the formulation of realistic budgets and forecasts by providing analysis and statistical information on portfolio performance.
  • Act as liaison between the Business and other support functions to provide management information and ensure adherence to set deadlines e.g. adherence to budget timelines.
  • To conduct economic, financial and market research, collecting and analysing data.
  • Conducting periodic analysis of all Commercial and Agriculture Banking performance Management Information (MI) using selected metrics.
  • Identify and interpret trends and utilise information to provide business performance improvement advice on focus areas for the various Commercial and Agriculture Banking segments.
  • Monitor and track achievements against target for key metrics.
  • Prepare and present detailed business performance reports for the Head Commercial and Agriculture Banking to all relevant committees and stakeholders.
  • Preparation of Commercial and Agriculture Banking credit portfolio performance review reports to the Board Risk Committee and the main Board in liaison with the Credit MIS business partner.
  • Preparation of analysed management information in a timely and accurate manner to support the decision scope for management.
  • To assist with benchmarking analysis for services.
  • To support business managers in developing performance improvement initiatives and strategies to support business performance improvement.
  • Develop or formulate analytical tools to help with the projections for both balance sheet and revenue.
  • Manage and collect information on Commercial and Agriculture Banking deals pipeline.
  • Working with Finance to ensure the accurate application of FTP on a monthly basis.
  • Track FX revenue from Treasury on all Commercial & Agriculture customers on a monthly basis.
  • To interpret and provide accurate and timely information to key stakeholders in the required format to facilitate decision making process.
  • To assist in preparations of presentations for different stakeholder engagements.
  • To develop and support high quality data standards.
  • Any other responsibilities or tasks as maybe assigned by management.

INTERNAL/EXTERNAL CONTACT

  • Internal: All Divisions.
  • External: Clients/Customers.




QUALIFICATIONS AND EXPERIENCE

  • Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.
  • University Degree in Business or relevant subject.
  • Diploma in Banking and Finance/Accountancy Studies will be an added advantage.
  • At least three (3) years of Commercial/Business Banking experience and management of complex information.

JOB CORE COMPETENCIES

  • Strong tactical, communication, planning and execution skills.
  • Excellent communication and analysis skills.
  • Creative, out of the box thinker.
  • Strong facilitation and presentation skills.
  • Flexible and adaptable; able to work in ambiguity.
  • MS Office proficiency.
  • Attention to detail.
  • Customer service orientation.
  • Drive for results.
  • Communication skills.
  • Verbal and written communication.
  • Analytical skills.
  • Project management skills.

APPLICATION PROCEDURE

All applications MUST have an application/cover letter, copies of qualification certificates including Grade 12 and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to vacancies@zanaco.co.zm no later than Tuesday, 23rd January, 2018.

ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.

Zanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).

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Customer Service Specialist

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Commercial & Agriculture Banking Department to be based in Lusaka and Kitwe:-

CUSTOMER SERVICE SPECIALIST (X3)

JOB PURPOSE

The key function of this role entails working with the Relationship Managers to deepen the wallet share of existing Customer Relationships as well as developing new relationships with a view of driving revenue and market share growth. This will be achieved by ensuring that customers have full access to the full Zanaco Product Suite in addition to delivering world class customer service while maintaining a robust control environment.

Under the supervision of the Head Commercial Agriculture, Head Emerging Agriculture and Head Commercial Banking respectively, the following are among the Job Key Responsibilities:-

  • Support Relationship Managers in maintaining, growing and sustaining quality relationships with existing and new customers.
  • Support Relationship Managers with customer research, sales research to ensure that the Bank is abreast with customers’ changing needs.
  • Be the point of contact for customer service issues including timely query resolution to support relationship management.
  • Deliver world class customer experience through timely execution of customer requests as well as robust management of all queries and complaints.
  • Strive to continuously improve the levels of service, through identification of key areas of concern as well as monitoring customer service and satisfaction.
  • Proactively engage clients within the portfolio to discuss service issues that they may be facing and draw up plans to resolve.
  • Undertake scheduled customer service visits and phone calls for clients on the portfolio.
  • Provide information to commercial and agriculture customers on new products and services being introduced by the Bank.
  • Maintain regular contact with customers and conduct needs analysis to identify customer service needs effectively and ensure customer satisfaction.
  • Responsible for customer service quality and efficiency through day to day service operations of the unit.
  • Produce quality complaints Management Information as per set schedule and drive service excellence.
  • Provide support to the Credit Analyst in preparation of the credit paper.
  • Provide support to the Relationship Manager in connection with execution and perfection of security documentation.
  • Collaborate with specialists in Transactional Banking, Trade Finance and Treasury to enhance customer experience and increase uptake and usage of the Bank’s products.
  • Conduct root cause analysis, identify systems, processes and service gaps which create barriers to serving customers.
  • Conduct branch assessments in key Agriculture and Commercial branches.
  • Produce call reports in agreed format for all scheduled significant business meetings, these should be updated on shared folder/customer files.
  • Collate customer information on service performance for Relationship Managers.
  • Identify new customer leads and escalate to Relationship Managers.
  • Perform a proactive liaison role between customers and back office service.
  • Ensure application of amendments to account details on borrowing limits, interest rates and commission charges after engagements with Relationship Managers.
  • Responsible for the administrative aspects of Commercial and Agriculture relationships, including support to account opening, KYC details or other documentary requirements.
  • Devise and ensure an effective query tracking grid, ensuring that all queries are captured on the log sheet.
  • Monitor and track achievements against target for key metrics, new clients on boarded and customer service delivery metrics.
  • Monitor performance of all service delivery channels identifying operational risks and recommend solutions to resolve failures identified.

INTERNAL/EXTERNAL CONTACT

  • External: Clients/Customers.
  • Internal: All Divisions.




QUALIFICATIONS AND EXPERIENCE

  • Degree in Economics, Finance, Sales or Marketing or Equivalent.
  • At least three (3) years Banking experience.
  • Proven ability to instigate changes in customer operating habits influencing the way they work to achieve mutual benefit.
  • Ability to work in a fast paced changing environment.
  • Proven questioning and analytical skills.
  • Proven problem solving and decision making skills for complex queries.

JOB CORE COMPETENCIES

  • Strong interpersonal skills.
  • Strong customer service skills and capabilities.
  • Proficient in IT.
  • Communication skills.
  • Sales & negotiation skills.
  • Problem-solving and conflict resolution.
  • Presentation skills.
  • Database management skills.

APPLICATION PROCEDURE

All applications must have an application/cover letter and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to vacancies@zanaco.co.zm no later than Tuesday, 23rd January, 2018.

Kindly note that you MUST attach copies of qualifications along with the application/ cover letter and curriculum vitae.

ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.

Zanaco provides equal opportunity in employment for all qualified persons and

prohibits discrimination in employment (women are encouraged to apply).

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Credit Analysis Specialist

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Commercial & Agriculture Banking Department to be based in Kitwe and Lusaka:-

CREDIT ANALYSIS SPECIALIST (X2)

JOB PURPOSE

The key function of this role entails working with the Relationship Managers to deepen the wallet share of existing Customer Relationships as well as developing new relationships with a view of driving revenue and market share growth. This will be achieved by pro- actively assessing credit risk of assigned portfolio/accounts with a view to minimising loss and maximising Risk Adjusted Revenues through the Credit Review process and presentation to the approving authority for approval.

Under the supervision of the Head Commercial Banking and Head Corporate Agriculture respectively, the following are among the Job Key Responsibilities:-

  • Actively participate in the preparation of the credit applications of customers and in overall monitoring and control of the quality of the portfolio of borrowing customers.
  • Analyse customers’ risk using credit skills, ratio analysis, cash flow projections using the Bank’s provided platforms, evaluation of parent support policies, credit grading and judgment of management and strategy
  • The job holder will provide support to the Relationship Manager in ensuring that all aspects of the control framework are adhered to.
  • Assist with preparation and update of Early Warning List customer records and participate in the customer high – medium /low risk remediation exercise.
  • Act as liaison for Risk Management information purposes with customers, accountants, lawyers and any other relevant people.
  • Jointly structure facilities with Relationship Managers to meet individual client’s needs with a view to maximising earnings and minimising risk and bad debts.
  • To understand customer needs and inherent credit risk and act upon them.
  • Carry out research work and analyse market information so as to counter competitive pressures.
  • To ensure that all credit facilities conform to internal Credit Policy and regulatory guidelines.
  • Monitoring of credit quality and risk with the Relationship Manager by highlighting early warning signs of credit deterioration.
  • Obtaining and analysis of financial statements and raising appropriate concerns.
  • Recommending minimum pricing ranges/ risk margins using existing tools.
  • Audit preparedness at all times and prompt co-operation with regulators and internal auditors where we have been inspected by regulators/internal audit.

INTERNAL/EXTERNAL CONTACT

  • External: Customers/Clients, Local Regulators on statutory matters.
  • Internal: All Divisions.




QUALIFICATIONS AND EXPERIENCE

  • Degree in Economics, Finance, Sales or Marketing or equivalent.
  • At least three (3) years banking experience.
  • Proven ability to instigate changes in customer operating habits influencing the way they work to achieve mutual benefit.
  • Ability to work in fast paced changing environment.
  • Proven questioning and analytical skills.
  • Proven problem solving and decision making skills for complex queries.

JOB CORE COMPETENCIES

  • Verbal and written communication.
  • Delighting customers.
  • Networking/Liaison.
  • Persuading and selling.
  • Drive for results.
  • Analytical thinking.
  • Team work.

APPLICATION PROCEDURE

All applications must have an application/cover letter and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to vacancies@zanaco.co.zm no later than Tuesday, 23rd January, 2018.

Kindly note that you MUST attach copies of qualifications along with the application/cover letter and curriculum vitae.

ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.

Zanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply)

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Relationship Manager – Emerging Agriculture

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following job aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Commercial & Agriculture Banking Department to be based in Lusaka:

RELATIONSHIP MANAGER – EMERGING AGRICULTURE

JOB PURPOSE

To manage and sustain a portfolio of Commercial Banking customers, building long term relationships based on efficient and reliable support for their business. This is achieved particularly through quick risk decisions and managing consistency and quality of operational service.

Under the supervision of the Head Emerging Agriculture, the following are among the Job Key Responsibilities:

  • Responsible for business development both with new and existing customers.
  • Cross sell full commercial and agriculture product set as a primary objective.
  • Adjust risk portfolio contributions as well as other performance metrics such as customer satisfaction.
  • Develop a relationship plan for customers including sales and contact strategy.
  • Develop and implement a client-calling schedule to visit all clients in the portfolio.
  • Identify and take ownership of sales leads generated from associate Business Unit stakeholders.
  • Conduct annual review of customers’ borrowing facilities (and interim review if customer circumstances dictate).
  • Work with specialists like Transactional Services, Trade Finance and Treasury to maximise sale of these products to customers.
  • Take overall responsibility for the Bank’s relationship with customers including negotiation of pricing and service levels.
  • Determine the products that are most effective in meeting customers’ needs and be able to sell these, at short notice, both reactively and proactively.
  • Monitor and ensure adherence to risk service standards.
  • Produce call reports in agreed format for all scheduled significant business meetings, these should be filed in the shared folder and customer file.
  • Research, create and follow up on a target list for potential new business.
  • Identify priority customers to assess their present and potential contribution.
  • Manage and control portfolio within agreed limits by monitoring daily excesses to ensure that client facilities are managed within the parameters set by Credit Risk.
  • Work in partnership with Credit Analysis Specialist on new and existing credit applications, providing guidance on credit appetite and consulting with Credit Risk team as appropriate.
  • In the event of credit quality deterioration, the Relationship Manager (RM) will be responsible for producing briefs and associated updates.
  • Ensure proper segmentation codes applied against assigned portfolio of customers.
  • Interact frequently and closely with all clients to analyse and establish ongoing needs and to assist clients to better understand their financial requirements.
  • Accurately and efficiently process customer mandates/documentation requirements for financial facilities.
  • Plan and implement annual credit reviews for the portfolio.
  • Explain and structure/customise credit loan facility options, parameters and qualifying criteria.
  • Support customers in the completion of credit application information requirements.
  • Notify customers regarding the approval/decline of credit loan facilities.
  • Explore alternative solutions in the event of declines from Credit.
  • Monitor clients due for repayments and ensure collections are effected.
  • Manage and control industry sector, client exposure, and securities held to contain risk.
  • Complete disclosure to the customers in terms of service fees, and commissions.
  • Manage the performance contribution of support staff.
  • Any other responsibilities or tasks as maybe assigned by management.

INTERNAL/EXTERNAL CONTACT

  • External: Client/Customers.
  • Internal: All Divisions.




QUALIFICATIONS AND EXPERIENCE

  • Degree in Economics, Finance, Sales or Marketing or Equivalent.
  • At least four (4) years Sales experience.
  • Credit knowledge, relationship management focused resources.
  • Good knowledge of general banking practices and procedures.
  • A good current knowledge of different industry sectors and sector risk profiles/ trends.
  • A thorough knowledge of multi-level products available to commercial/agriculture banking customers and pricing structures.
  • A good knowledge of competitor offerings and structures.
  • A good knowledge of the Companies Act for correct documentation/ mandate preparation purposes.

JOB CORE COMPETENCIES

  • Verbal and written communication.
  • Delighting customers.
  • Networking/Liaison.
  • Persuading and selling.
  • Drive for results.
  • Analytical thinking.
  • Team work.
  • Strong numerical skills and financial acumen.
  • Negotiation skills.

APPLICATION PROCEDURE

All applications must have an application/cover letter and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to vacancies@zanaco.co.zm no later than Tuesday, 23rd January, 2018.

Kindly note that you MUST attach copies of qualifications along with the application/ cover letter and curriculum vitae.

ONLY SHORTLISTED APPLICANTS WILL BE COMMUNICATED TO.

Zanaco provides equal opportunity in employment for all qualified persons and prohibits discrimination in employment (women are encouraged to apply).

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Government Payroll Specialist

Government Payroll Specialist

Responsibilities will include:

  • Allocating all loan deductions on customer accounts
  • Preparing all government payroll deduction files and make submission on time
  • Collect all outstanding payments from the Government
  • Claiming all outstanding payment for deceased customers from the insurance companies
  • DDACC reconciliations
  • Following arrears with Government
  • Reporting and making GRZ collections reports
  • Other assigned duties



Candidate profile

Required

  • Diploma or Degree in Banking & Finance or Accounts
  • Experience in Government payroll

Please ensure that you mention www.gozambiajobs.com as the source of this job advertisement when applying for this role.

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