Summary
Date Posted: Monday, February 05 2024, Base Salary: Not Disclosed

JOB DETAILS:
Job Description
Key Responsibilities:
Sales
• Adhere to the business standards of client engagements like currently salesforce, 360.
• Meet sales budgets and targets.
• Participate fully in any sales campaigns and activations.
• Explain credit loan facility options and qualifying criteria to customers, and support customers in the completion of credit application information requirements.
• Cross sell banking products to customers within the portfolio
• Grow the portfolio balance sheet as per set targets.
• Develop and execute a sales activity plan and client calling schedule in line with the Customer Value Proposition (activity schedules and call reports)
Relationship Management/Customer Service
• Adhere to the service standards and provide excellent customer service.
• Drive retention by implementing the customer on boarding process, customer visits, relationship management, and other various interventions.
• Receive and verify customer documents for account opening, facilities, account amendments and any other customer instruction according to laid down procedures.
• Educate customers about the Bank's products and services.
• Fully inform customers of their rights and obligations per the Consumer Protection Guidelines including but not limited to product pricing, facilities terms & conditions, and transactional fees
• Receive and process loan documents and handle related queries according to agreed turnaround times and laid down procedures.
• Notify customers regarding the approval/decline of credit loan facilities, keep customers informed throughout the process and advise the customer of alternative options in case of a decline.

Operational Rigor and Compliance
• Adhere to the KYC policies and guidelines for both account opening and loan origination documents.
• Manage credit and operational risk in account opening and loan processing as per laid down procedures.
• Manage audit/risk parameters for the advantaged banking processes and resolve all audit/risk findings within the portfolio within agreed timelines.
• Accountable for all facilities originated in the portfolio.
• Monitor and action daily referrals/validation reports within set timelines.

People Management
• Collaboration with the branch team and leadership that work with you in execution of your daily deliverables.
• Adhering to branch leadership authority.

Technical Competences and Skills
• Customer Focus
• Assertiveness
• Interpersonal Sensitivity
• Excellent Planning and Organizational Skills
• Strong Communication Skills both Verbal and Written
• Problem Solving and Analytical Skills
• Presentation Skills
• High Integrity
• Team Player

Knowledge & Expertise
• Knowledge of the Bank products, services and policies including standard tariffs
• A good understanding of overall retail goals and objectives, including the branch objectives, growth of sales, cost control and income contribution.
• A thorough understanding of the sales process.
• A working knowledge of the procedure manuals
• A good working knowledge and understanding of relevant regulations and related markets.
• A thorough knowledge of banks internal departments and procedures as well as risk and rigor requirements
• A good understanding of portfolio management.

Job Experience: No Requirements

Work Hours: 8

Experience in Months:

Level of Education: Bachelor Degree

Job application procedure
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