JOB: Relationship Manager SME
ECOBANK CAMEROUN SA is recruiting for the needs of its services, One (01) Relationship Manager SME who can practice throughout the national territory.
This position is based in Douala. Job level: 6 Job grade: 3A
I. JOB OBJECTIVE
✔ Manage a portfolio of small and medium-sized business clients by addressing all the financial and non-financial needs of these clients;
✔ Achieve sales and business development objectives
✔ Ensure portfolio growth and profitability;
✔ Ensure an excellent quality of service and build lasting, solid and profitable relationships
with customers
✔ Provide customers and prospects with various advice and share various public documents
(brochures, articles, etc.) useful for the development of their activities
✔ Prepare and submit credit files in accordance with the policy in force and the laws of the country
II. MAIN RESPONSIBILITIES
Commercial Management
▪ Annually set up an approved target market document with complete documentation on customer segmentation, target customers, products, services, revenues and projected profitability.
▪ Achieve specific objectives in terms of deposits, credits, income, opening of accounts, and digitalization
▪ Build customer loyalty by granting them time and a frequency of calls and regular visits; and generate concrete and profitable sales
▪ Increase the portfolio in number of customers and in revenue by at least 30%.
▪ Ensure reliable recording of all customer transactions including deposits, loans,
generated costs; and carry out the reconciliation with the Finance department
▪ Monitor and maintain the relevant performance indicators on a daily,
weekly, monthly, quarterly, half-yearly and annual basis while including
regular reconciliations with the Finance Department
Digitization & Customer relationship monitoring
▪ Digitize all customers in the portfolio and encourage customers to favor our various digital platforms for their receipts and payments with a goal of at least 80% of the portfolio being adequately equipped
▪ Develop strong internal relationships that will ensure customer service of excellence, and to achieve the objectives set
▪ Take charge of and follow up on customer complaints, process-related problems and work to avoid incidents in the portfolio
▪ Be informed and proactive in relation to new developments, new developments and market trends and propose adequate solutions in terms of products and services
Advise/inform clients on the various pricing, procedures and on any other changes made to the operation of accounts and the use of products and services
Confirmation & risk
management ▪ Ensure proper management of legal instructions on accounts
▪ Ensure that all orders or requests related to transactions (credits, transfers,
investments, etc.) are compliant at the time of receipt ▪ Collect and clear the various transfer files (issued or received) and approved
deferred documents ▪ Ensure the compliance of the measures applicable at the level of Know Your Customer
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▪ Mastering and applying national and international anti-
money laundering provisions
▪ Ensuring that all credit transactions and the related documentation comply with the
internal policies in force and the laws of the country.
▪ Ensure that all lines of credit in place are valid and duly approved according to an
acceptable TAT.
▪ Carry out monthly visits to committed and non-committed customers, and prevent the deterioration of the
portfolio through regular
Administration & Teamwork alerts
▪ Establish and regularly transmit the program of customer visits
▪ Ensure the follow-up of transactions in progress and complaints recorded
▪ Maintain the customer profile in the system as well as the physical files up to date
▪ Monitor on a daily basis the implementation of the actions agreed with the customer following
visits/calls
▪ If necessary ensure the back-up of other Account Managers
▪ Establish a reliable and honest feedback on performance
▪ Share knowledge and best practices with team members
▪ Build strong personal buy-in through involvement in various bank activities
III. HIGHER REPORTING LINE:
● Head SME
IV. JOB PROFILE
Experience & Qualifications
● Bac / Advanced Level + 4/5 in Banking and Finance, Sales, Marketing, Commerce, Accounting or any other equivalent diploma
● Minimum 5 years of relevant experience in banking or in the field of sales
● Excellent mastery of the banking market, banking products and the environment of small and medium enterprises in Cameroon
● Perfect knowledge of cash management products (cash management) and trade finance products (Trade Finance)
● In-depth knowledge of the multi-channel offer and the sales cycle
● In-depth knowledge of credit risk
● Perfectly Bilingual
Abilities, Personal qualities
● Good ability to develop and consolidate interpersonal relationships
● Customer and result oriented
● Ability to think strategically
V. APPLICATION PROCESS:
Please submit your CV and cover letter to ECM-Recruit@ecobank.com no later than October 20, 2022 at 5:00 p.m. sharp, mentioning in the subject “Relationship Manager SME”
NB: Only applications corresponding to the selection criteria will be called
ECOBANK CAMEROUN SA is a company that advocates equal opportunities. We do not discriminate on the basis of gender, religion, ethnicity, social status, physical ability, etc.
Visit our website www.ecobank.com
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