Relationship Manager (Regional) – Kasama X1

Zambia National Commercial Bank Plc (Zanaco) is inviting applications from suitably qualified and experienced individuals for the following jobs aimed at contributing to the Bank’s strategic vision, in the Commercial Division under the Corporate & Investment Banking Department in the Public Sector Section to be based in Kasama:-

Job Purpose

  • To coordinate the sales efforts for liabilities & assets; extensively market low cost liabilities and identify suitable assets for on-boarding.
  • To collaborate with GTS staff to ensure proposals and tenders have Public Sector input and are submitted timely.
  • To ensure and track implementation of solutions with product teams – GTS, Treasury, Scheme loans etc. – within the agreed turnaround time.
  • To maximise revenue from the relationships across the portfolio by cross selling products and providing solutions that increase wallet share as well as track action points contained in call reports to their logical conclusion.

Under the supervision of the Head – Public Sector the following are among the job key responsibilities:-

  • Originate, maintain and develop Public Sector relationships in the Province, identify opportunities in those relationships and works on those opportunities to their successful conclusion.
  • Manage a corporate loan book within parameters provided by Risk Management.
  • Negotiate terms and conditions and prepares information packs for Corporate Credit to prepare credit applications for new and renewal of loan facilities for Public Sector clients.
  • Proactively initiate all credit proposals and obtain appropriate approvals.
  • Coordinate post approval actions of credit facilities for the Unit.
  • Present and defend Public Sector credit applications in the Credit Committee.
  • Perform regular customer visits and keep abreast with developments in various markets and industries that customers operate in.
  • Prepare Call Planning, Call Reports & Tracking Templates and update the “deal pipeline”.
  • Complete the wallet size for clients timely & appropriately files all client calls, client communications, internal memos, and credit papers on the assigned portfolio.
  • Initiate all credit processes in a timely manner (extensions, excesses full briefs, annual reviews).
  • Cross sell Trade, Treasury & GTS products and refer potential clients of the Bank for Commercial, Agric and Retail.
  • Assist Head – Public Sector with product knowledge and market research (Desk top).
  • Refer to Head – Public Sector on non-business relationships that are acceptable and profitable to the bank.
  • Coordinate and provide input to GLC & credit processes and create bank proposals and track to make certain of their timely delivery.
  • Track and coordinate the implementation of transaction banking solutions to customers.
  • Act as a principal point of contact in the absence of Head – Public Sector & Director Corporate Banking.
  • Use the Sales playbook tool-kit effectively.
  • Coordinate with Corporate customer service to ensure customer queries are resolved.
  • Ensure standards of data quality are maintained at all times.
  • Ensure compliance with mandatory Risk policies and procedures relating to credit conformance and regulatory.
  • Jointly work with Corporate Credit & Risk on credit issues with a view to implementing the Zanaco credit processes.
  • Ensure effective risk management of portfolio.
  • Operate in accordance with Zanaco’ s Underwriting Standards and Lending procedures.
  • Remain alert to the risk of money laundering and assist in the Bank’s efforts in combating Money Laundering activity.

Internal/External Contact

External: Existing and prospective customers, Government officials, Chamber of commerce, officials of regulatory bodies e.g. CCZ, ZEMA – for compliance and market information, competitors.

Internal: All Divisions

Qualifications and Experience

  • Grade 12 Credit or above mandatory in Mathematics and English and any other three subjects.
  • University Degree in relevant subject.
  • Diploma in Banking and Finance will be an added advantage.
  • At least three (3) years banking experience in corporate sales/customer service
  • Understanding of Corporate Banking products
  • Understanding of relevant legislation e.g. KYC, Anti – Money laundering, Banking code.
  • Understanding of people policies and processes.
  • Demonstrated complaint handling and resolution skills.
  • Job Core Competencies
  • Excellent verbal and written communication skills
  • Excellent social/interpersonal skills
  • Delighting customers
  • Networking/Liaison
  • Persuading and selling
  • Attention to detail
  • Drive for results
  • Analytical thinking
  • Team work

How to Apply

All applications must have an application/cover letter and detailed curriculum vitae indicating the position being applied for in the subject line and should be sent by email to:

Application deadline
28 Aug
Email applications to
Zambia National Commercial Bank (ZANACO) image
Zambia National Commercial Bank (ZANACO)
Personal banking
Agribusines and SME business banking
Corporate finance
Electronic payment systems
Zambia National Commercial Bank, commonly known as ZANACO provides personal and business banking, corporate finance, Visa payment systems, investment and loan facilities. ZANACO is the largest financial services provider in Zambia. ZANACO has partnered with Zampost to allow customers to deposit and withdraw funds from their accounts from anywhere in Zambia. The bank has a special interest in agribusiness and small and medium enterprises, offering SMEs payroll solutions.

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