The Relationship manager is primarily responsible for driving profitable volume growth through value-added sales and service of Commercial / SME customers. They target and manage an assigned portfolio of customers within the commercial credit business segments.
The key challenge in this role is to manage both existing portfolios and grow new corporate relationships, while identifying early warning signs that could affect portfolio health.
Tasks and Responsibilities
You are required to comply at all times with your contract of employment and all policies, procedures, rules, handbook, and similar documents applicable to you as an employee of Habib Bank Zurich Plc. As a certified person, you should have particular regard to the following responsibilities:
Balanced Scorecard Responsibilities
Application of the balanced scorecard approach within the branch, establishing strong processes around Customer, Colleague, Control, and Commercial.
Colleague Objectives
Coaching and training RM/RSOs, ensuring all KPIs are managed as per the business scorecard
Providing Quality Assurance support with stakeholder units
Preparing and presenting cases to the Country Credit Committee
Maintaining robust personal diary management
Driving employee engagement and adherence to HBZ behaviors modelCustomer Objectives
Portfolio management of branches and adherence to TCF guidelines
Customer networking and managing client appointments
Trade & FX referrals to the business
Sirat referrals for clients seeking Islamic Banking solutions
Achieving targeted account opening volumesCommercial Objectives
Delivering targeted asset growth of the branch balance sheet
Delivering targeted deposit growth of the branch balance sheet
Negotiating client proposals for assets and deposits
Submitting proposals to internal credit and account opening teams
Disbursing lending in accordance with branch targetsControl Objectives
Managing credit renewals within bank policy and timescales
Ensuring compliance entries and transactions are monitored in line with policy
Completing Enhanced Due Diligence within required timescales
Monitoring excesses on key accounts and managing all KRIs
Ensuring SLAs for account openings are met in line with business policyBranch / HoBB Support Activities
Supporting RM/RSOs with complex credit case enquiries as a subject matter expert (not case checker)Assisting HoBB with MI, meeting administration, minutes, and ad hoc presentations
Engaging with branch champion activities (e.g. moratorium projects, rota planning)Championing MI for the branch and supporting data analysis
Acting as a point of reference for new interns for project support and training