Junior Relationship Manager

1. Key Performance Areas (Objectives) and Performance Requirements

 

Main Purpose of the Job:

PHR Code:

The Junior Relationship Manager is primarily responsible for supporting and/or managing client relationships and performing a broad range of credit, administrative, operational and compliance-related functions. The role involves analysing clients’ financial information, preparing credit applications, credit ratings and risk assessments, monitoring facility utilisation and account performance, maintaining customer relationships, and ensuring efficient administrative support to the department. The incumbent is expected to support business growth while ensuring compliance with banking policies, internal policies and procedures, FICA/KYC/AML requirements, and applicable regulatory requirements. The role may also be required to assist with delegations, functions and events as and when required.

 

Main areas of responsibility include:

Relationship Management

Credit Analysis and Credit Administration

Administrative and Operational Support

Compliance and Risk Management

Ad hoc tasks, delegations, functions and projects assigned

 

 

1

PHR Code:                              Key Performance Area (Objective): Weight: 25%

Relationship Management

KPI Code (PHR):

Key Performance Indicators for this KPA

1

Support Relationship Managers in managing and growing customer portfolios.

2

Build and maintain professional relationships with clients and respond to client queries in a timely and professional manner.

3

Assist clients with banking products, services and general requests, ensuring good customer service.

4

Assist with onboarding new clients, including coordination of KYC/FICA/AML requirements.

5

Schedule and coordinate client meetings, follow-ups and related correspondence.

6

Ensure timely resolution of client requests and proper internal coordination with relevant departments.

     

 

 

2

PHR Code:                              Key Performance Area (Objective): Weight: 25%

Credit Analysis and Credit Administration

KPI Code (PHR):

Key Performance Indicators for this KPA

1

Analyze clients’ financial statements, cash flows and management accounts. Assess client creditworthiness and identify key financial, business and credit risks.

2

Assist in preparing credit applications, annual reviews, credit ratings and credit memorandums.

3

Liaise with credit, legal, compliance and operations teams during the approval and post-approval process. Maintain accurate and complete credit files, approval records and supporting documentation.

4

Conduct risk assessments in line with bank policies, internal procedures and credit approval requirements.

5

Review supporting documentation for completeness, accuracy and consistency.

     

 

3

PHR Code:                              Key Performance Area (Objective): Weight: 25%

Administrative and Operational Support

KPI Code (PHR):

Key Performance Indicators for this KPA

1

Maintain and update customer information on banking systems. Prepare and process account opening documents and banking instructions.

2

Compile weekly, monthly and quarterly portfolio, credit and management reports. Monitor pending applications and follow up on outstanding information or documentation. Maintain organised filing systems for customer, credit and departmental records.

3

Handle correspondence, emails, and telephone queries professionally. Coordinate internal approvals and workflow processes. Assist with audit preparation and retrieval of supporting documents. Prepare meeting packs, reports, and presentations for management and clients.

4

Ensure all documentation complies with internal policies and regulatory requirements. Perform general office and departmental administrative duties.

     

 

 

4

PHR Code:                              Key Performance Area (Objective): Weight: 25%

Compliance & Risk Management

KPI Code (PHR):

Key Performance Indicators for this KPA

1

Ensure compliance with banking regulations, internal controls, and credit policies.

2

Adhere to FICA/KYC/AML and risk management procedures.

3

Maintain confidentiality of customer and financial information.

4

Assist in identifying operational, compliance, and credit risks.

5

Ensure accurate and complete record keeping for audit purposes.

     

1. Summary of Job Requirements

 

Formal Qualifications Required

Essential / Desirable

Bachelor’s degree or diploma in Finance, Accounting, Economics, Business Administration, Banking or a related field

Essential

 

Job Related Experience Required

Time Span

Essential / Desirable

Experience in banking, credit analysis or relationship management

2 years or above

Essential

 

Job Related Knowledge Required

Essential / Desirable

·        Knowledge of financial statement analysis and credit risk assessment

Essential

·        Knowledge of FICA/KYC/AML processes and requirements for FI and corporate clients

Essential

·        Knowledge of customer onboarding, account opening documentation and banking instructions

Essential

 

Job Related Skills Required

Essential / Desirable

·        Credit and financial analysis skills

Essential

·        Good communication and relationship management skills

Essential

·        Teamwork spirit and ability to coordinate with internal departments

Essential