• 100% responsibility for assigned Private banking portfolio in driving balance sheet growth and profitability.
• 100% responsibility for revenue generation for assigned Private banking portfolio.
• Responsible for coordinating and managing Private Bankers relationships within. 
• Responsible for managing Private banking client’s financial circumstances with a focus on maintaining strong relationships between the bank and the client.
• Responsible for conducting an in-depth analysis of client’s present financial position relating to total assets such as property, business interest etc., credit balances across account types, transaction types and the value of all investment portfolio in order to recommend appropriate products and services to the client.
• Responsible for profiling potential clients in order to bring new relationships on board.
• Act as first point of contact for all their requirements in order to offer a personalized and differentiated service offering.
• Responsible for the execution of the private banking CVP and educating Private banking customers on the Bank’s product offering and service channels and recommending any changes to ensure the CVP remains relevant to customers. 
• Ensure growth of number of clients on the portfolio and accountable for all financial KPIs
• Meet client’s Estate planning needs such as helping to establish a trust for the heirs or recommending appropriate life insurance cover for the protection of the client’s family.
• Responsible for implementing client appreciation of events to ensure a high level of retention for the bank 
• Recommend financial benefits of philanthropy to help Private banking clients offset some tax liability.
• Knowledge of client’s goals, income and spending patterns is essential.
• Responsible for scanning the market and research on good opportunities to meet Private banking client’s revenue goals and provide clients with market updates financial news.
• Sets referral, new business and cross-selling goals and monitors achievement of these goals in order to meet the bank’s financial aspirations.
• Ensure that the full value chain of the segment proposition is realized for the Bank by cross selling, deep selling and upselling the banks products and educating clients on the use of various channels for transactions.
• Build and execute alliance relationships to enhance client’s customer value proposition offering. 
• Monitor client’s changing requirements and recommend strategies to ensure that the organization’s products and services are fully utilized. 
• Responsible for monthly assessment of segment thresholds and proactively engage clients to execute upgrades or downgrades so that the CVP is aligned to customer’s needs and that they derive full value from the proposition.
• Keeps UpToDate with in country market and global trends in order to recommend and link clients to appropriate events. 
• Knowledge and understanding of appropriate legislation and regulation affecting banking and customer interaction to ensure all transactions are legal.
• Relationship manage clients and provide doorstep banking solutions in addressing their needs. Ensure that the customer experience is positive throughout the client’s journey at all touch points to increase customer retention.
• Execute life cycle programs in order to provide a full customer service proposition that deepen client relationships
• Proactively advises and consults with client in order to provide timely solutions.
• Responsible for developing relationships and providing clients with banking services such as personal cash management, credit facilities and educates about investment options
• Executes all client’s requests within SLAs and provides feedback in order to ensure clients are fully satisfied with the service/ resolution.
• Ensure that all key personal details of the customers are known e.g. birthday, anniversary, hobbies, spouse and children’s details etc. to better meet client’s needs and that all accounts opened are 100% KYC compliant.
• Proactive client engagement on a regular basis in order to provide timely and personalized banking services
• Execute effective customer contact plan for customers to ensure that their needs are met and the relationship is maintained.
• Effectively manage weekly, monthly and quarterly reporting requirements.

• Ensure that all workflow, process and procedures are followed.
• To ensure attendance of all recommended training relevant to the role. E.g. Wealth management, Investment options, financial interpretation, Customer service
• Ensure KPIs are signed off with supervisor and performance management reviews conducted timely.
• To take annual leave as prescribed in HR guidelines. 
• To share knowledge and experience and best practice with team members in order to ensure that team performance complies with set service standards
• Any other responsibilities or tasks as maybe assigned by management.

INTERNAL/EXTERNAL CONTACT

External:

• Local Regulators on statutory matters
• Stock market
• Professional bodies
• Events managers

   

  Internal:

• Corporate Banking Departments
• Retail Banking Departments
• Treasury Departments
• Information Technology
• Corporate affairs
• Customer Service 

QUALIFICATIONS AND EXPERIENCE

• University Degree preferable, in Accountancy, Business finance, Business Administration, Marketing
• Minimum Experience: At least seven (7) years in an accounting firm or work experience in investment management.
• Atleast 3 years in a leadership role
• Ability to profile customers and assess the needs of Private banking clients.
• Understanding of all Zanaco Retail products and account opening, KYC Requirements.
• Understanding of relevant legislation e.g. KYC, Anti - Money laundering, Banking code.
• Ability to read market trends and inform the decision-making process. 
• Understanding of people policies and processes
• Demonstrated complaint handling and skills certifications
• Strong knowledge of Bank products and channels an added advantage

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  JOB CORE COMPETENCIES

  • Verbal and written communication
  • Delighting customers
  • Networking/Liaison
  • Persuading and selling
  • Drive for results
  • Analytical thinking
  • Team work
  • Customer service orientation
  • Analysis
  • Monitoring
  • Problem solving
  • Conceptual thinking
  • Strategic leadership
  • Presentation and facilitation