To establish, develop and maintain pro-actively a team portfolio of Commercial Clients who require routine as well as complex structured Commercial Client Relationship services in order to generate revenue for the Bank through managing the Commercial Clients relationships professionally subject only to broad guidance and direction on orientation from bank policies, but with attendant credit responsibility and accountability. Management of a team and support staff.

* Pro-actively establishes, develops and maintains a team portfolio of Commercial Clients ensuring that new relationships or ongoing requirements of existing clients attain maximum revenue within acceptable risk profile requirements by carrying out detailed financial analysis of the client accounts and develops proposals within defined Bank procedures and often creates structured treasury management transactions and facilities using analytical and constructive thinking with a large degree of evaluative judgement to meet the client needs. Further adopts appropriate relationship management strategies to protect the Bank's interest at all times e.g. potential defaults and to meet the clients expectations of the relationship with differing situations often requiring varied styles of creation or identification and selection of appropriate solutions.
* Markets to large existing and potential clients the full complement of products and services offered by the Bank, including Treasury, Personal and Private Banking

* Manages, trains and appraises a dedicated team in order to develop their Client Relationship skills and motivate them to contribute to achievement of job and team objectives.
* Remains up to date in designated specialist industry thus acting as a technical resource / advisor to clients on matters relating to this industry e.g., proposed new client, provision of market feedback in relation to structure of facilities, product suitability and market trends.
* Contributes to overall strategy formulation, bringing to bear market knowledge, competitor analysis, and innovative 'deal' structures in order that the strategy reflects market.
* Monitors market and competitor activities and strategies to ensure that opportunities for new business and not overlooked and market share retained.
* Identifies through account management potential defaulting accounts and investigates through closer management of the account cause for concern and recommends to the CBO appropriate remedial action.
* Ensures that all 'team' related administrative functions including file maintenance, regular inspections,  training and staff development are competently performed.
* Additional responsibility of running with ad hoc Commercial Clients projects which come up from time to time.

CONTRIBUTES TO
* The achievement of overall Commercial Clients Growth Strategy.
* Revenue generation for Commercial Clients, Treasury Management, Private & Personal Banking.
* Protection of the bank's reputation. Bank's ability to meet legal and regulatory obligations. Minimizing risk of the bank being used by money launderers.

JUDGEMENT/COMPLEXITY
* Judgement must be exercised continuously in order to identify, assess, structure and service profitable business and cultivate existing opportunities as well as to introduce control measures over, or the disengagement of, account relationships which represent deteriorating risks, in order to maintain the quality of the portfolio.
* Each relationship requires unique account relationship and management and the competitive market leaves no room for mistakes.
* To be able to detect any suspicious transactions, money laundering, forgeries etc.
* Requires keeping abreast of product development in Treasury, Commercial Lending and Personal Banking to maximize business opportunities for the Bank

Business or accounting related degree
* MBA/CA preferred.
* Minimum 7 years experience in a corporate banking environment of which minimum 2 years should be of managing corporate client relationships.
* Sound understanding of corporate treasury products, trade finance products, personal banking products and international banking products.
* Strong credit appraisal and marketing skills, with the ability to interpret complex financial information.
* A good understanding of the general, economic and business environment of the region.
* Excellent communication (written and verbal) and negotiation skills.
* High quality experience in a credit management position with proven ability to manage a team
* Have a good knowledge of the policy, standards, local regulations and legislation of the prevention of money Laundering.