Role Details
The Current Account Relationship Manager (CA-RM) is responsible for managing and growing a portfolio of business clients, focusing on
their Current Account GBO requirements, trade finance services, Cash Management Service (CMS) requirement within the mapped book.
The role involves providing personalized banking services, identifying client needs, and offering tailored solutions to ensure customer
satisfaction and loyalty.
The CA- RM is also responsible for acquiring high value new clients from catchment, cross-selling other banking products, and ensuring
compliance with all relevant regulations.
Overall Job Description
1. Client Relationship Management:
- Act as the primary point of contact for clients with current accounts addressing their inquiries and resolving issues related to current accounts, trade finance, and forex transactions.
- Build and maintain strong, long-term relationships with clients.
- Regularly meet with clients to review their banking needs and provide customized banking solutions
- Address customer inquiries and resolve issues promptly to ensure high levels of customer satisfaction.
2. Sales and Business Development:
- Deepening of CA mapped book
- Identify and pursue opportunities to cross-sell banking products, such as Asset Product (SBB/ BBG/ BL), Merchant Solution, Cash Management Services, Savings Accounts, Retail loans (Auto / Home / Personal), Credit cards, investment solutions, and Insurance.
- Achieve sales targets by promoting the banks products and services.
- Proactively manage and grow the portfolio of current accounts by acquiring new clients.
3. Account Management:
- Ensure the smooth operation of client current accounts, including overseeing transactions, account maintenance, and compliance with banking regulations.
- Collaborate with other departments, such as Treasury, Credit, CMS, Merchant Solution and Operations, to deliver comprehensive solutions to clients.
- Provide expert advice on trade finance products, such as letters of credit, bank guarantees, and documentary collections.
- Assist clients in structuring trade finance deals that optimize their working capital and mitigate risks in international trade.
- Monitor account activity to identify and mitigate potential risks.
- Ensure timely resolution of client issues and queries related to current accounts.
- Manage account documentation and ensure compliance with bank policies and regulatory requirements.
4. Market Intelligence:
- Keep up to date with market trends, competitors products (Current account focussed), and economic changes that may impact clients’ financial needs.
- Provide feedback to the banks product development team to enhance current account offerings.
5. Business Reporting:
- Prepare & Assess regular reports on account performance, customer satisfaction, and sales achievements.
- Analyze client data to identify trends, opportunities, and potential risks.
- Provide insights and recommendations to senior management based on analysis.