Manager, Consumer Banking Employment Opportunity – Tropical Bank Limited
Job Title: Manager, Consumer Banking
Organisation: Tropical Bank Limited
Duty Station: Kampala, Uganda
Reports to: Head of Retail
About US:
Tropical Bank Limited was established in 1973 under the name Libyan Arab Uganda Bank for Foreign Trade and Development. Tropical Bank Limited is jointly owned by the Governments of the Republic of Uganda 0.03% and the Libyan Foreign Bank (LFB) 99.97% of Paid-up Capital. The Bank provides professional and personalized commercial banking services to various sectors of the economy including financial support to Parastatals, Corporates, Small and Medium Enterprises, Individuals, and Non-Governmental Organisations.
Job Summary: The Manager, Consumer Banking will execute and monitor the implementation of the strategy of the bank in relation to growth of the Salaried portfolio as well as direct and supervise Relationship Officers – Consumer to drive growth in line with the approved targets.
Key Duties and Responsibilities:
- Provide a relationship based offering to the small and medium enterprises, through a proactive highly personal approach to meet the financial needs and service expectations of all clients in this segment in line with the business objectives.
- Proactively manage the Salary portfolio to maximize revenue for the bank in terms of fees, margins and sales, minimize costs and risks, whilst maintaining the customer’s relationship with the bank.
- Acquire new customers in terms of savings and loans as per the criteria outlined in the segment value proposition and reflected by the segment strategy and sales targets
- Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customers’ needs and expectations.
- Plan a comprehensive contact management program for all customers within the portfolio and act on the calling program as planned to ensure that all customers are contacted, to meet customers service expectations, improve knowledge and understanding of the customer (i.e. salary income, frequency of income) and identify additional customer needs resulting in cross sales.
- Retain ownership of customer requests, complaints and applications, follow every task through to completion keeping the customer updated on progress
- Participate in setting growth and quality targets and ensure timely communication of such targets at least one month before commencement of the performance period and drive growth of the Salary portfolio by working closely with branches to identify new business opportunities and grow the existing relationships.
- Train Relationship Officers-Consumer in credit underwriting techniques and ensure continuous improvement in the quality of the credit underwriting in line with the credit policies and best practice.
- Monitor the quantitative performance of the Salary portfolio and identify problem accounts that may require early action to mitigate default and prepare and submit monthly or weekly credit reports.
- Through training and working with Branch Managers ensure that credit documentation standards as laid down in the credit policy are met at all times.
- Regularly review the business and market environment to ensure that the institution’s Salary products remain competitive and Develop/recommend changes to the existing Salary products in line with the bank’s objectives and the industry best practice
- Regular review and visits to existing customers are made to monitor the performance of the existing Salary loan facilities and furnish reports to management of the findings.
Qualifications, Skills and Experience:
- The applicant for the Tropical Bank Limited Manager, Consumer Banking job placement must hold a bachelor’s degree in a business-related field such as Business Administration, Commerce, Accounting, Finance, Economics and Statistics
- Master’s degree or Post graduate diploma in Business Administration or in any of the above fields or a professional qualification such as ACCA is a strong added advantage
- Five years of experience in banking
- Comprehensive knowledge of bank operations
- Industry best practices and current developments
- Economic sectors and trends
- Credit management practices and underwriting skills
- Basic knowledge of principles, regulations and laws relating to land transactions, contracting and collateral documentation perfection
- Relationship management skills
- Experience in products development
- Excellent communication skills
- Impeccable level of integrity
- Professionalism
- Analytical skills
- Leadership skills
- Creative and innovative thinking
How to Apply:
If your qualifications and experience match those described above please send a detailed application together with your CV, copies of your academic certificates and transcripts and a cover letter of not more than 2 pages explaining why you consider yourself to be the best suited candidate.
Send to:
Head of Human Resource,
Tropical Bank Limited,
Plot 54 Lugogo Bypass (Rotary Avenue)
P.O. Box 9485, Kampala
Deadline: 9th July 2018 by 5:00pm
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