About CDH Investment Bank

CDH Investment Bank, licensed under the Banking Act by the Reserve Bank of Malawi. The bank provides investment banking, corporate financial advisory, commercial banking and trading of financial securities to a select niche market. Our purpose is to deliver financial solutions to our clients by effectively utilizing the best human capital and information technology.

Role Summary

The Account Relationship Manager: Business Banking is responsible for acquiring, developing, and strengthening CDH Investment Bank’s corporate business banking client relationships through effective relationship management, contributing to the bank’s profitability and growth targets.

The role ensures superior customer service, enhancing the overall customer experience, and maintaining accurate records of all customer correspondence. Key responsibilities include portfolio management, client relationship management, reporting and documentation, networking, market intelligence, performance and compliance.

Key Responsibilities

The Account Relationship Manager: Business Banking is a managerial role in the Business Development and Marketing department and shall:

• Identify, maintain and grow a segregated business banking portfolio in assets and liabilities.
• Develop and implement strategies to enhance the profitability and performance of the business banking portfolio.
• Develop and implement strategies to optimise the portfolio’s performance and mitigate risks.
• Monitor and analyse portfolio performance, identifying areas for improvement and implementing corrective actions.
• Monitor and manage the risk profile of the business banking portfolio to ensure compliance with the bank’s risk management policies.
• Develop and maintain relationships with key industry stakeholders.
• Identify and target new clients, developing marketing strategies to maximise business banking market coverage.
• Serve as the bank’s principal contact for business banking customers.
• Provide personalised financial solutions to business banking clients based on their unique needs and business goals.
• Identify cross-selling and up-selling opportunities for additional products and services.
• Coordinate value chain business across the bank by liaising with banking centre managers and account relationship managers.
• Collaborate with marketing and product development teams to create tailored financial products and services for business banking clients.
• Prepare indicative proposals, negotiate term sheets and documentation, and follow up on sales enquiries.
• Write analytical portfolio reports, call reports, and ad hoc papers based on market intelligence.
• Ensure all proposals and reports comply with regulatory requirements and internal policies.

Key Qualities & Skills

• Innovative, results driven and forward-thinking individual exploring new ideas to serve clients and drive growth.
• Deep understanding of the market and business environment with strong financial and commercial awareness.
• Ability to drive sustainable growth while delivering high quality customer service.
• Ability to drive innovation and create competitive products.
• Excellent analytical skills to collect, analyse and interpret data.
• Strong problem-solving ability to resolve complex problems.
• Good planning and organisational skills.
• Strategic thinking with innovative solutions.
• Strong risk management and compliance knowledge.
• Confident and assertive communication skills.
• Ability to build positive relationships with colleagues, customers and stakeholders.
• Self-motivated with ability to inspire performance.
• Project management and negotiation skills.

Qualifications and Experience

• Bachelor’s degree in commerce, marketing, finance, banking, or its equivalent from a recognised university.
• Master’s degree in commerce, marketing, finance, banking, or a related field.
• Professional certifications in accounting, business, finance, or relevant field will be an added advantage.
• At least 7 years’ experience in banking/business development in the financial sector.
• At least 5 years’ experience in branch and general banking operations.

• Identify, maintain and grow a segregated business banking portfolio in assets and liabilities.
• Develop and implement strategies to enhance the profitability and performance of the business banking portfolio.
• Develop and implement strategies to optimise the portfolio’s performance and mitigate risks.
• Monitor and analyse portfolio performance, identifying areas for improvement and implementing corrective actions.
• Monitor and manage the risk profile of the business banking portfolio to ensure compliance with the bank’s risk management policies.
• Develop and maintain relationships with key industry stakeholders.
• Identify and target new clients, developing marketing strategies to maximise business banking market coverage.
• Serve as the bank’s principal contact for business banking customers.
• Provide personalised financial solutions to business banking clients based on their unique needs and business goals.
• Identify cross-selling and up-selling opportunities for additional products and services.
• Coordinate value chain business across the bank by liaising with banking centre managers and account relationship managers.
• Collaborate with marketing and product development teams to create tailored financial products and services for business banking clients.
• Prepare indicative proposals, negotiate term sheets and documentation, and follow up on sales enquiries.
• Write analytical portfolio reports, call reports, and ad hoc papers based on market intelligence.
• Ensure all proposals and reports comply with regulatory requirements and internal policies.

• Innovative, results driven and forward-thinking
• Deep understanding of the market and business environment
• Strong financial and commercial awareness
• Ability to drive sustainable growth
• High quality customer service
• Ability to drive innovation
• Create competitive products
• Excellent analytical skills
• Strong problem-solving ability
• Good planning and organisational skills
• Strategic thinking
• Strong risk management and compliance knowledge
• Confident and assertive communication skills
• Ability to build positive relationships
• Self-motivated
• Ability to inspire performance
• Project management skills
• Negotiation skills

• Bachelor’s degree in commerce, marketing, finance, banking, or its equivalent from a recognised university.
• Master’s degree in commerce, marketing, finance, banking, or a related field.
• Professional certifications in accounting, business, finance, or relevant field will be an added advantage.