Relationship Manager

Ghana International Bank is a leading provider of specialised financial services to Africa’s growing companies and institutions, by leveraging our UK presence, client-focused capabilities, and strong relationships with global financial institutions.

Main Purpose of the Job:

• Manage existing and develop new business relationships with a focus on Trade client base across LC beneficiaries, Exporters and Importers within the African and OECD region.
• To originate and support the efforts of the Senior Manager Business Banking in Accra to grow the trade finance business in line with annual targets.
• Identifying opportunities across the supply chain of assigned trade client base through cross selling.
• Implement strategies to grow deposits within the portfolio.

Key Result Areas:

• Achievement of revenue targets within designated portfolio
• Manage assigned trade finance portfolio of Business banking clients with a view to ensure customer satisfaction, AML compliance and revenue growth.
• Grow portfolio of trade client base through marketing and identification of their financing needs, structuring trade instruments and maximising cross-sell opportunities.
• Presentations to existing and potential Business Banking clients to expose GHIB trade credentials and capabilities where necessary.
• Acquire new customers with a focus on for the bank across the region.
• Deploy trade instruments and trade related credit facilities.

Responsibilities:

• Manage Trade Finance, Business banking portfolio, to be their point person for communications with the Bank
  • Ensure regular calling and provide call report in Salesforce.
  • Producing Annual Account plans
  • Ensure KYC information is up to date.
  • Facilitate engagement with all operational departments.
  • Increase business throughput.
  • Develop new product opportunities.
• To support the Senior Manager Business banking to grow the trade finance business in the bank’s Business banking portfolio, both in volume and value per the targets set by your line manager.
• To support the Head, Retail and Business banking to grow trade business both in volume and value by targeting clients for various product solutions, industry value propositions, campaigns and other initiatives.
• Build, maintain, monitor, and report on transaction pipeline and produce Management Information pertaining to portfolio as and when required.
• Provide first line support to the Det management or Credit Risk Department in their analysis of proposed credit facilities for customers.
• Provide first line support to the Credit Administration Department in ensuring that approved facilities are well documented and efficiently executed.
• Monitor market/ competitor activity, benchmarks, and market trends to ensure that opportunities for new business are not overlooked and market share is not eroded but significantly enhanced.

• Act as the first line of defence with regards to managing Financial Crime risk within customer base by ensuring that Customer Due Diligence and Compliance related matters are handled in line with the policy of the Bank.

• Support initiatives to drive trade sales as required by calling on suppliers/ beneficiaries of trade instruments.
• Develop strategies to grow liability products and grow cheap deposits within the business banking portfolio

• Work in a highly ethical manner consistent with GHIB’s policies and culture.

Person Specification

Skills and Capabilities:

• Strong interpersonal and communication skills with the ability to negotiate
• Strong problem-solving skills and excellent customer relationship management orientation
• Good credit and trade related risk analytical skills
• A background in Trade Finance /Treasury will be an advantage
• Strong Business Development Skills and ability to strategize with the ability to see the bigger picture and incorporate external factors such as the general economic, political and business environment.
• Excellent teamwork skills and the ability to work collaboratively. Must be able to communicate with all levels of staff in a culturally diverse working environment.

Knowledge:

• Good appreciation of Credit and Structured Trade Finance
• Good appreciation of AML, Financial Crime and related risks as pertaining to Business banking and Trade Finance
• Evidence of a strong practical knowledge of the Bank’s policies and procedures especially those relating to Credit and Trade Finance

Experience:

• 3 to 5 years Customer facing Experience
• Experience in International Trade Finance essential
• Fair knowledge of Uniform Customs and Practice for Documentary Credits, including experience of dealing with Letters of Assignment, Transferable Credits, Back to back LC’S etc will be an advantage
• Confident in dealing directly with beneficiaries and customers on technical documentary credit matters and possess good telephone manners

Qualifications:

• Good educational background with certification in Trade Finance will be an advantage
• Educated to degree level or having extensive appropriate experience
• A master’s degree would be an added advantage.

IT Skills:

• Proficient use of MS Office Applications - Word, Outlook, Excel, Power point or similar applications
• Working knowledge of the Core Banking system.

GHIB are committed to cultivating a diverse, inclusive and empowering culture, so please apply if you meet the majority of these competencies.