Relationship Manager Commercial Banking

Ecobank is seeking a Relationship Manager.

• Execute the affiliate’s banking strategy to grow market share, revenues and profitability.

• Acquire new clients and deepen relationships with existing customers across lending, deposits, trade finance and payments, grow loans, and fee income.

• Develop tailored solutions including working capital facilities, term loans, trade services, cash management, FX and treasury products.

• Ensure rigorous credit analysis, risk assessment and adherence to internal credit policies and regulatory requirements.

• Segment the SME market and develop tailored value propositions, products and services to meet diverse business needs.

• Credit origination, underwriting and portfolio management with focus on asset quality and risk-adjusted returns.

• Cross-selling of digital platforms, payroll, insurance, asset management and investment banking services to corporate clients.

• Coordinate with product, treasury and trade finance teams to deliver competitive pricing and bespoke solutions.

• Develop sector-specific expertise and insights to identify opportunities and mitigate risks in priority industries. 

• Coordinate with product teams to deliver digital platforms, mobile applications and self-service tools for business.

• Execute sales management frameworks with clear targets, pipeline management and performance metrics.t

• Ensure compliance with regulatory requirements, KYC/AML standards and internal policies across business operations.

• Onboarding, KYC/AML compliance and client documentation processes to ensure regulatory adherence.

• Collaborate with risk management, legal, compliance and operations to ensure smooth execution of transactions.

• Monitor market trends, sectoral dynamics and competitor activities to identify opportunities and manage risks.

• Cross-selling of cash management, FX, insurance and payroll solutions to deepen client engagement.

• Execute customer onboarding and service processes that are efficient, digital and client friendly.

• Process, control and operational performance 

• Advocate for clients internally and coordinate cross-functional resources to provide holistic solutions.

• Represent the bank at industry events, forums and business conferences to enhance brand visibility and thought leadership.

• Promote ESG, sustainability and responsible banking practices

• Promote women-owned and youth-led business initiatives, financial inclusion and impact programs.

• Manage P&L, ensuring revenue growth and cost-to-income optimization.

• Leverage data analytics to profile customers, assess creditworthiness and identify cross-sell opportunities.

• Ensure timely and accurate reporting on portfolio performance, risk metrics and strategic initiatives.

• Ensure timely resolution of client issues, service requests and credit approvals to enhance client satisfaction.

• Maintain up-to-date knowledge of local regulations, tax laws and economic policies impacting corporate clients.

• Foster a culture of accountability, teamwork and customer-centricity within the corporate banking team.

• Integrate sustainability, ESG and responsible lending practices into banking propositions.

• Foster a culture of innovation, entrepreneurship and customer focus

• Collaborate with other segments (Retail, Corporate, Diaspora) to support clients’ businesses and supply chains.

• Bachelor’s degree in Finance, Business or a related field; master’s degree or professional certification (e.g., CFA, ACCA) preferred.

• 6 years of experience in Business segments with significant exposure to credit structuring and relationship management.

• Proven track record of originating and executing complex corporate lending transactions.

• Deep understanding of corporate finance, treasury products, trade finance and cash management.

• Strong risk management skills and knowledge of regulatory requirements.

• Experience leading teams and managing budgets and P&L.

• Ability to analyse industry trends, financial statements and macroeconomic factors.

• Excellent communication, negotiation and stakeholder management skills.

• Relationship & Networking: Builds strategic relationships with corporate clients and partners.

• Strategic & Commercial Acumen: Understands market dynamics and drives profitable growth.

• Credit Expertise: Applies sound judgement in structuring and approving loans.

• Analytical & Problem Solving: Utilises data and financial analysis to make decisions.

• Collaboration: Works effectively with cross-functional teams to deliver integrated solutions.

• Integrity & Compliance: Ensures ethical conduct and regulatory adherence.