Relationship Manager (Asset Finance) – Retail Banking job at NCBA

NCBA Bank Uganda is hiring a Relationship Manager (Asset Finance) – Retail Banking to drive the growth of a high-quality retail Asset Finance portfolio within the bank. The incumbent will be responsible for structuring, marketing, and selling asset finance solutions, while supporting SME, Retail, and Premier Relationship Managers. Leveraging experience in retail relationship management, the role holder will develop and implement account plans for the existing portfolio within the assigned target market. They will identify customer needs and structure appropriate solutions in collaboration with retail Relationship Managers to achieve asset finance targets. Success in this role will be driven by effective customer acquisition, satisfaction, growth, and retention.

Key Accountabilities (Duties and Responsibilities)

Financial 50%

• Responsible for the growth of the retail banking business portfolio to ensure set targets for portfolio growth, income and quality are achieved.
• Assess and recommend high quality credit facilities for clients and potential clients and thereafter oversee completion of all related security documentation with a view to maximizing earnings and minimizing bad debts.  The full process to be handled in a professional and efficient manner and in conformity with Credit Policy requirements
• Identify and develop new business proposals efficiently and expeditiously to ensure that potential new business opportunities with existing and new clients are not lost to competitors
• Generate and improve profitability on a portfolio of new customer relations.
• NPL < 5%.
• PAR aggressively managed within the first 30 days to minimize conversion to NPL status.

Customer 20%

• Collect and analyse vital data on client’s i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings etc. to acquire in-depth knowledge which will enable you to act as adviser to management on all aspects of assigned accounts relationships
• Initiate and monitor Customer/Bank contact at all levels for assigned clients to ensure highest standards of service are maintained.
• Develop an intimate understanding of the clients industry/Business, analyse their modus operandi, management practices, judgment of various influential decision makers and market conditions affecting their long-term viability, prepare customer account plans.
• Treat customers fairly and avoid mis/over-selling

Internal Processes 20%

• Adhere to Bank risk management and operational policies & Standards in the unit.
• Compliance with local regulatory & group policies on KYC &AML.
• 100% SLA Adherence
• 100% adherence to agreed turnaround times

Learning and growth 10%

• Attend all trainings arranged by the Bank
• Discuss career path/growth with line manager at least quarterly.

Job Specifications

Academic Qualifications:

• A bachelor’s degree from a recognised university
• A master’s degree in business administration (MBA) is an added advantage

Experience:

At least 3 years’ experience in retail Banking, 2 of which should have been in asset finance department in a similar sized organisation.

• Responsible for the growth of the retail banking business portfolio to ensure set targets for portfolio growth, income and quality are achieved.
• Assess and recommend high quality credit facilities for clients and potential clients and thereafter oversee completion of all related security documentation with a view to maximizing earnings and minimizing bad debts. The full process to be handled in a professional and efficient manner and in conformity with Credit Policy requirements
• Identify and develop new business proposals efficiently and expeditiously to ensure that potential new business opportunities with existing and new clients are not lost to competitors
• Generate and improve profitability on a portfolio of new customer relations.