Job Description

Catering for all service issues and ensuring customer satisfaction, maximizing sales, credit applications, service, and profit performance in the Agribusiness Portfolio and Branch. To develop mutually beneficial long-term relationships with the bank's Retail Agribusiness customers.

Duties and Responsibilities

Management of a portfolio of Retail Agribusiness (SusCo) customers including revenue generation and accountability.
• Ensure quality lending minimising losses and provisions for bad debts and write offs.
• Champion the BancABC customer experience ensuring the delivery of quality advice,
recommendations and solutions to customers.
• Continually identify opportunities for improvements intended to grow the reputation
of BancABC Blue ‘s service and proposition.
• Adopt “hands on” approach to client contact and follow up.
• Develop an in-depth knowledge and understanding of the markets, banking and other
wealth management products and services in order to match our offering with client
needs.
• Take ownership for, and delivery of individual sales and revenue targets.
• Source new target market clients that support the attainment of business objectives
and targets.
• Effectively manage referred clients to deliver financial targets.
• Provide a first-class level of service to ensure that clients are satisfied and continue to
do business with BancABC. Additionally, generate target market referrals as a result.
• Maintain and update accurate client information.
• Act in accordance with all regulatory, compliance and KYC policies (both internal and
external) and communicate to clients as appropriate.
• Build productive relationships with referral sources, within the branch network,
instilling a sense of teamwork and pro-activity with client referral.
• Pro-actively participate as a member of the Relationship Management team
contributing towards team targets and promoting teamwork.
• Contribute effectively to team activities including the generation of new sales ideas
and initiatives.
• Produce and submit branch activity reports as and when they are required.

Qualifications and Experience

Qualifications and Work Experience
• BCom, BA or BSc or equivalent in Banking, Finance, Agriculture, Accounting, Business Studies, Economics, Marketing or related field
• A minimum of 2 years’ experience in a Relationship Management or similar role.

Skills and Competencies:
• Positive attitude.
• Efficient time management.
• Ambitious and energetic, able to get things done.
• Confident and resilient.
• Excellent communicator and motivator.
• Fluent in English, both spoken and written [other
language depending on the country].
Job Related Knowledge
• Knowledge and analytical skills, ability to understand main aspects of a financial institution’s operations, including strategy, product/services design, credit risk management, credit underwriting and collections etc.
• Demonstrated success in a Relationship Management sales background preferably within the Top mass or mass market segment.
• Broad based knowledge of financial products and services, financial markets and economic environments.
• Knowledge of respective operational and regulatory environment.
• Ability to research and aggressively source new business through own initiatives.
• Demonstrated ability to network and build own portfolio of contacts to maximize referral network

How to Apply

Interested applicants who meet the job requirements should e-mail their CVs to [email protected] attaching all your academic certificates and National ID with the Heading: “Account Relationship Officer” Agribusiness Chiredzi Branch.
APPOINTMENTS WILL BE MADE IN COMPLIANCE WITH BancABC’s RECRUITMENT POLICY.
Closing date: 20 December 2023 1630hrs.

VacancyHQ Expert Job Listing Tips

Here are my observations based on years of experience and insights:

Restructuring Your CV: In my experience, it's crucial to tailor your CV to this specific role. Highlight any experience you have in relationship management or a similar role, preferably in the banking sector. Emphasize your knowledge of products and services, financial markets, and economic environments. If you have any experience in retail agribusiness, be sure to mention this.
Important Areas to Note in the Job Listing:
- Qualifications: You must have a degree or equivalent experience in Banking, Finance, Agriculture, Accounting, Business Studies, Economics, Marketing or a related field.
- Experience: They're ideally looking for candidates with at least 2 years' experience within a similar role.
- Skills and Competencies: The listing specifically mentions traits such as a positive attitude, efficient time management, being confident and resilient, and excellent communication skills.
- Application Method & Deadline: Applications are to be sent via email to [email protected] before the 20th of December 2023, 1630hrs. Ensure your CV, academic certificates, and National ID are attached.
- Specific Role Callout: Bear in mind that this is for an "Account Relationship Officer" for Agribusiness at the Chiredzi Branch. Location and role specifics are key to consider.
Stand Out in a Crowded Applicant Pool:
- Reflected Values: Show how the company's values align with your own; in many job vacancies in Zimbabwe, this is a major consideration, including how you've demonstrated them in your previous employment.
- Added Value Proposition: What are the extras you bring to the table that others may not? Stand out by showcasing unique skills or experiences you have that are beneficial to the company.
- Being Proactive: Be assertive in your communication. Don’t hesitate to follow up, ask insightful questions about the company and the position, or propose initiatives that could benefit the banking sector ahead of being asked.
Important But Often Overlooked Aspects of the Job:
- KYC and Compliance: The role involves working in accordance with all regulatory, compliance, and KYC policies. Indicating familiarity with these aspects will show that you understand the job's responsibilities.
- Networking: As per my analysis of similar jobs in Zimbabwe, an overlooked requirement is your ability to network and build your own portfolio of contacts to maximize referral networks. Applicants must not underestimate the importance of this skill.
- Sales Goals: The job also requires taking ownership of individual sales and revenue targets. From my time working with several recruitment agencies in Zimbabwe, I can tell you that most novice applicants fail to underline their ability to handle and meet business targets within their applications.

Remember, every job search in Zimbabwe, or anywhere else for that matter, is a unique journey and yours may require a different strategy. But I believe these insights and tips will lead you in the right direction.