Locations: Dar es Salaam, Dar es Salaam Region
Job Function: Banker
Employee Status: Regular
Job ID: 19106639
Key Responsibilities:
Develop and implement continuous (independent and joint) calling programs and interactions/discussions with assigned accounts and on prospective clients to create a continuous flow of incremental business opportunities.
To deliver client revenue growth in line with assigned goals.
Communicate frequently with and leverage the regional and global GSG Relationship Management network of senior managers and RM's and other global and regional partners both to win and retain business and also to effectively fulfill regional and global Relationship Management initiatives and directives.
Credit process initiation, including proposal preparation, loan administration and remedial action as required, working in partnership with the Parent Account Management and Regional Account Management teams as well as relevant Citi network partners.
Prepare quarterly credit call memo for all assigned credit relationships.
Negotiation of loan/credit terms and conditions, pricing determination for various products, closing of transactions and follow up after sales.
Understand the bank's credit culture, adhere to credit policies and guidelines, and document and justify exceptions, where appropriate.
Responsible jointly with Risk analyst for initial, annual and interim credit review of all assigned credit relationships.
Ensure the consistent, professional delivery of client management disciplines including: KYC/AML, account plans, call reporting, lead generation, CRM Usage - pipeline management, oversight for implementation rollout, and relationship reviews.
Strategizing with Product and Client Delivery partners on information learned from clients in order to help drive product enhancement, innovation and client satisfaction
Creating robust client account plans
Ensuring effective communication across the regional and global RM team (e.g. through call reporting)
Managing sales process from idea generation to mandate
Putting together working groups and driving the deal process
Driving client communications including RFP responses and pitch books
Lead and Work closely with Citiservice in providing account management and customer service to key customers.
Responsible for achieving revenue goals from assigned relationships in the most cost effective manner.
Provide ongoing market insights to clients, from Citi's rich repertoire.
Maintain asset quality to avoid delinquent or impaired asset portfolio
Business Relationships:
Internal:
Frequently interact with Citiservice and O&T in general and Parent Account Management teams of assigned relationships
Frequently interact with Treasury & Trade Solutions to achieve high credit cross sell ratio by actively selling cash management and trade products.
Frequently interact with Risk and CRMS to maintain acceptable credit quality of assigned credit relationships.
Frequently interact with Fixed Income, Corporate Finance, EAF and other product units to generate structured customer solutions and incremental risk assets.
External:
Frequently interact with relevant customers and TM prospects to generate incremental business for the bank.
Keep abreast of regulatory/market changes and its impact on the business.
Skills & Experience
Minimum of 5 years post qualification experience
Credit and financial analysis experience
Customer management and negotiation skills
Ability to recognize and exploit business opportunities
Strong Analytical skills
Must be pro-active, with attention to detail and timeliness in delivery of work output
Information resourcefulness
Strong verbal and written communication skills
Qualifications:
A BSc / BA degree.
A postgraduate degree and relevant professional qualifications will be an added advantage.
Thinking complexities:
Understanding the impact of constant regulatory changes on customers businesses and in converting them to business opportunities
Ability to optimally coordinate the activities of the different units within the bank in order to deliver good quality service to the customer.
Designing strategies and products to enable Citibank stay ahead of competition
Ability to convince customers to adhere to high compliance/ethical standards of Citibank for transaction processing in a compliant environment.
Problem loan recognition capability
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