Relationship Manager at Fidelity Bank
Relationship Manager
Fidelity Bank
Jobs In Accra
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Fidelity Bank Ghana is seeking the services of qualified, hardworking, and experienced individuals for the position of a Relationship Manager. The successful candidate will drive agribusiness growth by identifying and developing commercial opportunities for lending to SMEs across the middle and southern belt of Ghana. The ideal candidate must have knowledge and experience in Banking/Financial services, preferably in the SME space. The following are the responsibilities and qualifications for the position;
KNOWLEDGE, SKILLS & EXPERIENCE REQUIRED
i. Minimum 1st degree
ii. Knowledge and experience of Banking/Financial services, preferably in the SME space
iii. Ability to understand and interpret financial statements
iv. Proven track record in sales
v. Knowledge of SME customer relationship management
vi. Good credit risk assessment skills
vii. Strong interpersonal and communication skills
viii. Strong time management and self-organization skills
ix. Excellent presentation skills
x. Sound computing and PC skills
xi. Ability to gain information on competitor activity in the local market
xii. Understanding of economic trends
xiii. Sound knowledge of banking products, practices, and theories
xiv. Strong supervisory skills
KEY RESULT AREAS
i. Drive agribusiness growth by identifying and developing commercial opportunities for lending to SMEs across the middle and southern belt of Ghana
ii. Manage and grow the income of the project portfolio by deepening relationships and delivering high-quality service.
iii. Prepare the required credit and financial analysis as per the bank's policies and procedures.
iv. Proactively work to reduce the level of portfolio dormancies in line with annual targets set.
v. Reduce the level of attrition on the designated portfolio
vi. Take responsibility through the bank's tools for monitoring post-sanction terms and ensuring customer adherence
vii. Manage credit risk to an acceptable level as stipulated in the Bank’s policies and procedures
viii. Establish strong working relationships with all key internal stakeholders to help drive the overall strategy of the bank.
ix. Act as the main point of contact for customers within the assigned market segment
x. Develop and nurture relationships with the clients assigned to ensure that the strategy and business objectives of the client and the Bank are achieved.
xi. Maximize all cross-selling opportunities to increase the penetration of products held per customer, in line with the objectives set.
xii. Monitor portfolio asset quality to ensure NPL trends are in line with the Bank's specified average targets.
xiii. Ensure adherence to branch service standards.
xiv. Suggest product feature and benefits enhancements to promote sales
xv. Assist in the achievement of strategic, financial, and other objectives of the branch
xvi. Ensure compliance with all bank procedures, policies, and controls
xvii. Provide guidance and advice to customers on credit issues
xviii. Assist in developing assets/liability products for SMEs
xix. Any other jobs that may be assigned from time to time
RISK AND COMPLIANCE
i. Ensure prompt and adequate compliance responses to Sanctions and AML/CFT enquiries sent in by the Compliance department.
ii. Take part in all annual mandatory refresher training organized by Compliance.
iii. Report all suspicious or fraudulent activities to Compliance or via the whistle-blowing toll-free line.
iv. Ensure all accounts opened are KYC compliant, or appropriate escalations have been followed.
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