Relationship Officer: NGO's & Religious Institutions at NBC
NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
Job Summary
– Supporting Relationship Manager (NGOs and Religious Institutions)
in effectively achieving revenue targets, delivering excellent service
and meeting productivity targets.
– Driving sales of relevant products and services to NGOs and Religious Institutions.
– Supporting SME’s regional managers and Ro’s on identifying business opportunities from NGOs and Religious Institutions.
Recommended:
Job Description
Accountability: Business Management 40%
- Maintenance of the client relationships
- To provide guidance and support to the sales team on the identification and closure of client transactions across the portfolio.
- Monitoring of sales targets and deal pipelines to ensure targets are achieved.
- Provide solutions for client’s transactional requirements both NGOs’ and Religious Institutions.
- Drive Sales of new NGOs’ and Religious Institutions solutions.
- Assist Commercial and SME Sales teams develop relationship plans for their client base.
- Create the suitable structure for the best NGOs’ and Religious Institutions products, including end to end process flow between front office and back-office functions.
- Reconciliation and corrective action responsibility for accounting of portfolio clients, benchmarking closed pipeline deals/transactions against NBC NGOs’ and Religious Institutions reporting to ensure no income leakage.
- Coordinate end to end collating and analysing customer information on NGOs’ and Religious Institutions performance monthly by customer and relationship manager. Flag customer accounts showing reduced volumes and initiating remedial action through prescribed action plans.
- Support other Relationship Officers’ sales and performance targets by proactively monitoring and acting on Daily Scorecards, Monthly financial and Operational reviews, Call Reports, and pipeline of business opportunities reports.
- Monitor and manage NGOs and Religious Institutions applications at a satisfactory rate of return to the bank.
- Provide value added engagement with other departments and Product Specialists within the bank on assuring customers applications are effectively attended as per the SLA.
- Effectively engage in stakeholders Forums/ Meetings with a view of assisting business in to tap cheap deposits from NGOs and Religious Institutions.
People Management and Development 20%
- Encouraging individual ownership and self-initiative with a view of achieving organisational goals.
- Identify development of training needs in collaboration with respective Relationship Manager to ensure proper delivery of training and coaching.
- Drive employee development and engagement within the cluster and branch teams that results in a high-performance climate and culture.
- Support to Monitor and ensure that Branch Key Performance Indicators relating to NGOs and Religious Institutions
- Effectively engage in stakeholders Forums/ Meetings with a view of assisting business in to tap cheap deposits from NGOs and Religious Institutions.
- Effectively engage in stakeholders Forums/ Meetings with a view of assisting business in to tap cheap deposits from NGOs and Religious Institutions are achieved.
- Share knowledge experience and best practice with branch managers, relationship officers, branch teams and the broader business.
- Pursue own development to increase personal effectiveness, acknowledging strengths and areas for development.
Customer Service Management 15%
- Proactively and professionally support sales team and officers to manage client experience by providing appropriate on job training and coaching on product and services delivery.
- Keep an active and accurate records/log of customers complains discussions/correspondences with clients and provide timely feedback on unresolved /resolved issues.
- Effectively co-ordinate client relationships/activities with other department within the bank.
- Use client feedback to improve product and service offering.
- Participate in weekly performance review, and knowledge sharing meetings with Regional Managers, Branch Managers and Relationship Officers.
- Conducting maintain constant dialogue/sharing of information with other departments (Retail and Corporate Credit, Corporate Banking, SMU, ICU, Treasury and Legal).
- Support in Coordinating local functions/community/governmental and business development activities.
- Understand and articulate aggregated cluster requirements feedback to shape the customer proposition and product offering.
- Ensure high quality, knowledgeable service levels in branches to exceed customer expectations.
- Build a motivated, committed, and focused Branch team, consistently delivering creative, precise, and customer-focused service.
- Support to Collaborate cross-functionally to provide high standard of service delivery.
- Engage in NGOs and Religious Institutions meetings as needed.
Accountability: Risk, Control and Compliance Management 15%
- Work with Risk Department in building awareness and comply with KYC, AML, and Financial Sanctions and Prohibitions of Business Activity policies for the Business Banking Department.
- Ensure that All Relationship Officers review their NGOs and Religious Institutions portfolio on a monthly basis and ensure that all documentation required (KYC, AML and Sanctions) are up to date, and escalate any unresolved KYC requirements to the relevant mandated holders.
- Ensure accountability on the accuracy and quality of the documents, loan applications, ICU checklist and other related documents.
- Ensure the region operates in a compliant manner and adheres to relevant company and regulatory requirements to achieve satisfactory grades in local & Group Audits
- Understand risks and risk events (incidents) relevant to the role.”
- Contribute and deliver to the improvement of the risk profile by delivering improved governance, risk management, controls, and compliance requirements.
- Ensure all financial crime matters are addressed on time e.g. annual PEP & HRR, LR reviews.
- Control Non-performing Assets to within regulatory and Industry standards.
Change Management 10%
- Comply and keep abreast of all policies, procedures, and circulars updates.
- Ensure self-development pertaining to career path to develop knowledge and skills.
- Complete all critical compliance training.
- Project manage all major organizational changes such as organizational structure changes, IT/system changes or process changes, Process Improvement,
Education and Experience Required
- Bachelor Degree / Advance Diploma / Diploma or Equivalent qualification in Finance, Accounting, Economics, Business Admiration, or any other related field
- At least 2 years of experience in similar role
Knowledge & Skills
- High impact communication and presentation skills
- Strong Financial and Analytical Skills
- Excellent relationship building skills – both with internal stakeholders and clients
- Highly developed networking skills, both for internal and external network
- Strong problem-solving skills coupled with decision making ability.
- Business Acumen/Business Awareness
- Business Development
- Credit appraisal skills.
- Credit Risk Management
- Driving Customer Experience
- Operational Risk Management
- Stakeholder Engagement
- External market awareness
- Commercial Effectiveness
- Strong negotiation and influencing skills.
Read Also:
Qualifications
Administration (Meets all of the requirements), Bachelor`s Degrees and Advanced Diplomas – Office Administration, Customer Excellence – Service Delivery (Meets all of the requirements), Digital familiarity (Meets some of the requirements and would need further development), Enabling team success (Meets some of the requirements and would need further development), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Planning and organising (Meets all of the requirements)
Relationship Manager: Education & Health at NBC
NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
Job Summary
Supporting Head of Transactional Banking in effectively achieving
revenue targets, deliver excellent service and meeting productivity
targets. This includes;
– Driving sales of relevant products and services to Education and Health.
– Supporting SME’s regional managers and Ro’s on identifying business opportunities from Education and Health.
Job Description
Accountability: Sales and Services 30%
- Maintenance of the client relationships
- To provide guidance and support to the sales team on the identification and closure of client transactions across the Education and Health portfolio.
- Monitoring of sales targets and deal pipelines to ensure targets are achieved.
- Drive Sales of new to bank customers in Education and Health sectors.
- Assist Commercial and SME Sales teams develop relationship plans for their client base.
- Create the suitable structure for the best Education and Health products, including end to end process flow between front office and back-office functions.
- Negotiate the best price with the view to maximize potential income from Education and Health deals both Deposit and Assets. Always ensure that you take a view of the big picture in determining prices for clients against the cost of the solution/product.
- Liaise with business bankers to deliver seamless after sale service for Education and Health sector clients.
- Reconciliation and corrective action responsibility for accounting of portfolio clients, benchmarking closed pipeline deals/transactions against NBC Education and Health sector reporting to ensure no income leakage.
- Coordinate end to end collating and analysing customer information on Education and Health performance monthly by customer and relationship manager. Flag customer accounts showing reduced volumes and initiating remedial action through prescribed action plans.
Read Also:
Accountability: – Business Management 30%
- Responsible for driving internal teams to towards achievement of revenue/ balance sheet targets.
- Ensure performance indicators meet market demands.
- Monitor and drive income across all education and health sectors revenue lines.
- Monitor costs associated with the education and health sectors including budgets and products developments costs.
- Manage product tariffs for education and health sectors through consulting SME and business banking relationship teams on pricing, solutions, issues to do with product/service performance, business practices/ideas and best practices.
- Monitor level of complaints and quality of complaint handling
- Grow portfolio value in line with agreed targets.
- Keep an active and accurate records/log of customers complains discussions/correspondences with clients and provide timely feedback on unresolved /resolved issues.
- Effectively co-ordinate client relationships/activities with other department within the bank.
- Use client feedback to improve product and service offering.
- Visit key Education and Health clients on request from the branch managers and relationship managers.
- Ensure branch network service excellence through continuous monitoring of service scores and with service manager develop plans for improvement. Discuss and agree plans with direct reports.
- Collaborate cross-functionally to provide high standard of service delivery.
- Engage in key Education and Health meetings as needed for complex scenarios reviews and consultations.
Accountability: – People Management 15%
- Responsible for setting team objectives, including revenue targets, (in conjunction with the Business Banking Director as well as Head of Transactional banking.
- To facilitate support, guidance, advice, and training to product managers, in addition to play a strong catalyst role to RMs to support product take-up and usage.
- Review employees’ self-development plans and ensure training and development needs are accommodated.
- Assist staff to meet NBC Limited Behaviour and Values standards.
- Maximize performance of Relationship Officers by identifying development of training needs in collaboration with respective Relationship Manager to ensure proper delivery of training and coaching.
- Share knowledge experience and best practice with branch managers, relationship managers, branch teams and the broader business.
- Pursue own development to increase personal effectiveness, acknowledging strengths and areas for development.
Accountability: Product Development – 15%
- To facilitate constant product innovation to enable NBC Limited to become a leading bank in Education and Health sectors.
- Proactively research and stay abreast of market trends to ensure NBC Limited pro-actively develops and launches products/services that keep us ahead of the market.
- Stay abreast of developments at the Group Level to enable success transfer and assist in any development taking place.
- Seek regular feedback from product managers, relationship managers and clients on client requirements to aid development.
- Ensure smooth roll-out and implementation of new products/services including ensuring all business and risk sign offs are obtained.
- Communication to relationship teams on (new) product knowledge and product changes including training sessions and updates on competitive environment.
- Monitor and review products and processes regularly to ensure they are optimal and meet client needs environment by considering what could go wrong in the processes you operate and how errors could be prevented.
- Continuous and proactive engagement with regulatory bodies, unions where applicable.
- Drive growth of business in Education and Health sectors.
- Responsible to proactively manage Dormancy levels.
- Drive overall digital banking agenda.
Accountability: Risk and Control – 10%
- Understand of own role in the end-to-end processes in which you play a part, including applicable risks and controls.
- Adhere to NBC Limited’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management.
- Report all risk events/incidents/issues using the defined process for your business area and help to understand why these happened and how to prevent them in future. Proactively look for ways to improve control.
- Ensure that processes, control requirements and risk management frameworks that have been designed for the area are understood by all members of the team.
- For audit findings that have an impact on the area, work with the Head to understand what actions are required to close out findings. Implement required actions.
- During scheduled audits and management assurance reviews, ensure that all information required by the auditors are provided timeously.
- Ensure that all regulatory requirements are adhered to.
Education and Experience Required
- Bachelor-degree / Advance Diploma / Diploma or Equivalent qualification in Health sector (Doctor of Medicine, Bachelor of Biomedical Engineering (BBME), Bachelor of Pharmacy or any related field).
- At least 5 years of working experience.
Knowledge & Skills: (Maximum of 6) Competencies: (Maximum of 8 competencies)
Competence
- Leadership and team-working skills
- Learning and researching
- Creating and innovating
- Entrepreneurial and commercial thinking
- Relating and networking
- Deciding and initiating action
- Adapting and responding to change
- Communication skills – verbal and written.
- Analytical skills, Planning, Organizing & Negotiating skills.
Read Also:
Qualifications
Commercial mindset – Junior (Meets some of the requirements and would need further development), Customer Excellence – Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication – Basic (Meets all of the requirements), Experience in a similar environment, Higher Diplomas – Business, Commerce and Management Studies, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Relationship building (Meets some of the requirements and would need further development)
Head of Transactional Banking at NBC
NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
Job Summary
Responsible for facilitating the development, delivery and management of cash and Trade management products to a demanding portfolio of Commercial and SME clients. The role holder will have specific accountability for delivering the overall growth of the Transactional banking unit. This includes Implementation of acquisition, Retention, and expansion strategies for all segments.
Job Description
Accountability: Sales and Services 30%
- Maintenance of the client relationships for “priority” clients
- To provide guidance and support to the cash and trade management teams on the identification and closure of client transactions across the portfolio.
- Monitoring of sales targets and deal pipelines to ensure targets are achieved.
- To drive initiatives that require cash and trade management support such as liability drives as well as off-balance sheet assets.
- Provide solutions and structures for client’s transactional requirements both cash and trade finance including structured trade commodity finance.
- Provide solutions and structures for client’s financial securities custody requirements.
- Drive Sales of new cash and trade management solutions.
- Assist Commercial and SME Sales teams develop relationship plans for their client base.
- Create the suitable structure for the best trade finance products, including end to end process flow between front office and back-office functions.
- Negotiate the best price with the view to maximize potential income from trade finance and cash deals. Always ensure that you take a view of the big picture in determining prices for clients against the cost of the solution/product.
- Liaise with business bankers and the Foreign Trade Service to deliver seamless after sale service for Trade Finance transactions.
- Reconciliation and corrective action responsibility for accounting of portfolio clients, benchmarking closed pipeline deals/transactions against NBC trade reporting to ensure no income leakage.
- Coordinate end to end collating and analysing customer information on Cash and Trade Finance performance monthly by customer and relationship manager. Flag customer accounts showing reduced volumes and initiating remedial action through prescribed action plans.
- Initiate Structured and commodities Trade Finance deals and work closely with ABSA structured team to ensure early closure of the deals.
Accountability: – Business Management 30%
- Responsible for driving the cash and trade management team towards achievement of revenue/ balance sheet targets.
- Ensure performance indicators meet market demands.
- Monitor and drive income across all cash and trade management revenue lines.
- Monitor costs associated with the cash and trade management team including budgets and products developments costs.
- Working with the Group Head of Cash and Group Head of Trade to support the growth of NBC to be the ‘Go – To’ transaction bank in Tanzania.
- Manage product tariffs for cash and trade management tariffs through consulting SME and business banking relationship teams on pricing, solutions, issues to do with product/service performance, business practices/ideas and best practices.
- Monitor level of complaints and quality of complaint handling
- Grow portfolio value in line with agreed targets.
Read Also:
Accountability: – People Management 15%
- Responsible for setting team objectives, including revenue targets, (in conjunction with the Business Banking Director).
- Ensure implementation of PDs (inc. PD Plans) for all team members
- To facilitate support, guidance, advice, and training to product managers, in addition to play a strong catalyst role to RMs to support product take-up and usage.
- Responsible for ensuring the cash and trade management team works closely with the relationship management team to ensure relationship plans are met and all cross-selling and sales targets are met.
- Help team members to identify strengths and weaknesses in their own skills and attributes, through regular review and feedback.
- Review employees’ self-development plans and ensure training and development needs are accommodated.
- Assist staff to meet NBC Limited Behavior and Values standards.
Accountability: Product Development – 15%
- To facilitate constant product innovation to enable NBC Limited to become a leading cash and trade management bank.
- Proactively research and stay abreast of market trends to ensure NBC Limited pro-actively develops and launches products/services that keep us ahead of the market.
- Stay abreast of developments at the Group Level to enable success transfer and assist in any development taking place.
- Seek regular feedback from product managers, relationship managers and clients on client requirements to aid development.
- Ensure smooth roll-out and implementation of new products/services including ensuring all business and risk sign offs are obtained.
- Communication to relationship teams on (new) product knowledge and product changes including training sessions and updates on competitive environment.
- Monitor and review products and processes regularly to ensure they are optimal and meet client needs environment by considering what could go wrong in the processes you operate and how errors could be prevented.
- Continuous and proactive engagement with regulatory bodies, unions where applicable.
- Drive growth of business in various sectors including Education, Health, Microfinance, SACCOS, Religious Institutions, NGO’s etc.
- Responsible to proactively manage Dormancy levels for SME and Commercial clients.
- Work with Head of SME to Manage and Commercialize Business Clubs
- Drive overall digital banking agenda.
Accountability: Risk and Control – 10%
- Understand of own role in the end-to-end processes in which you play a part, including applicable risks and controls.
- Adhere to NBC Limited’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management.
- Report all risk events/incidents/issues using the defined process for your business area and help to understand why these happened and how to prevent them in future. Proactively look for ways to improve control.
- Ensure that processes, control requirements and risk management frameworks that have been designed for the area are understood by all members of the team.
- For audit findings that have an impact on the area, work with the Head to understand what actions are required to close out findings. Implement required actions.
- During scheduled audits and management assurance reviews, ensure that all information required by the auditors are provided timeously.
- Ensure that the CIB and BB team understands all Trade compliance related requirements and highlight gaps to the required authority.
- Ensure that all regulatory requirements are adhered to.
Education
- Bachelor’s Degree / Advanced Diploma / Diploma in Banking, or finance, or any Technology related, or any related qualification (MBA in Finance or Banking is an added advantage)
Experience required.
At least 7 years banking experience with proven track record one of the following areas:
- Banking sales role, SME/commercial digital banking sales
- Banking operations, preferably SME/commercial digital banking
- Products developments, preferably SME/commercial banking
Knowledge & Skills: (Maximum of 6)
- Strong formal presentation skills to gain acceptance to solutions, both internally and externally.
- Strong understanding of payments, collections, and Trade Finance including Structured Commodity and Trade Finance.
- Excellent comprehension skills to understand and interpret industry data and economic trends.
- IT knowledge and skills enough to drive digital banking agenda for SME and Commercial clients.
- Excellent diagnostic skills and rigorous approach to problem solving.
Competence
- Strong Leadership and team-working skills
- Learning and researching
- Creating and innovating
- Entrepreneurial and commercial thinking
- Relating and networking
- Deciding and initiating action
- Adapting and responding to change
- Communication skills – verbal and written.
- Analytical skills, Planning, Organizing & Negotiating skills.
Qualifications
Analytical Thinking – Advanced (Meets all of the requirements), Bachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Commercial mindset – Senior (Meets all of the requirements), Customer Excellence – Service Management (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Experience in a similar environment at junior specialist level, Openness to change (Meets some of the requirements and would need further development)
