ECOBANK CAMEROON SA . recruits for the needs of its services,  One (01) Relationship Manager SME  who can practice throughout the national territory.

Job level :  6 

Job grade :  3A

II- OBJECTIVE OF THE POSITION

• Manage a portfolio of small and medium-sized business clients by addressing all of the financial and non-financial needs of these clients;
• Achieve sales and business development goals
• Ensure the growth and profitability of the portfolio;
• Ensure excellent quality of service and build lasting, strong 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

Business management

• Establish annually an approved target market document with complete documentation on customer segmentation, target customers, products, services, revenue and forecast profitability.
• Achieve specific objectives in terms of deposits, loans, income, opening of accounts, and digitalization
• Build customer loyalty by giving 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, costs generated; and perform the reconciliation with the Finance department
• Monitor and maintain relevant performance indicators on a daily, weekly, monthly, quarterly, half-yearly and annual basis while including regular reconciliations with the Finance Department

Digitization & Follow-up of customer relations

• Digitize all customers in the portfolio and encourage customers to favor our various digital platforms for their collections and payments with a goal of at least 80% of the portfolio being adequately equipped
• Develop strong internal relationships that will ensure excellent customer service and achieve assigned objectives
• 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 market trends and trends and propose adequate solutions in terms of products and services
• Advise/inform clients on the various pricing, procedures and any other changes to the operation of accounts and the use of products and services
  

Confirmation & risk management

• Ensure proper management of legal instructions on the 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
• Mastering and applying national and international anti-money laundering provisions
• Ensure that all credit transactions and related documentation comply with applicable internal policies and local laws.
• Ensure that all credit lines in place are valid and duly approved under an acceptable TAT.
• Perform monthly visits to committed and non-committed customers, and prevent portfolio deterioration through regular alerts

Administration & Teamwork

• Establish and regularly transmit the program of customer visits
• Follow up on ongoing transactions and registered complaints
• Maintain customer profiles in the system as well as physical records
• Monitor on a daily basis the implementation of the actions agreed with the client following the
  

visits/calls

• If necessary, ensure the back up of other Account Managers
• Establish a reliable and honest feedback on its performance
• Share knowledge and best practices with team members
• Build a strong personal membership through involvement in the various activities of the bank

III. HIGHER REPORTING LINE:

• Head EMS

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 sales
• Excellent knowledge of the banking market, banking products and the environment of small and medium enterprises in Cameroon
• Thorough knowledge of cash management products and trade finance products
• 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
• Strategic thinking ability

V. HOW TO APPLY?

Please submit your CV and cover letter to ECM-Recruit@ecobank.com  ,  mentioning in the subject “Relationship Manager SME”

NB: Only applications corresponding to the selection criteria will be invited.

Deadline: October 20, 2022 at 5:00 p.m.