MAIN PURPOSE OF THE JOB
To promote and sell the Bank’s product bouquet to clients through sales activities in a responsible manner.
Responsible for sourcing and developing new contacts/prospects and sales leads through the Bank’s internal leads campaigns and your own referrals.
Key Performance Inputs/ Activities
Sales Focus
Achieve customer growth, revenue and collections targets as defined by the bank
Meet and exceed individual activity metrics for all product lines
Meet, exceed and effectively execute on all Sales &Customer targets as set by the Bank
Effectively execute the Banks sales strategy in respect of Product & Value-Added Services (Up Selling, Cross Selling & Capital Take Up)
Outbound calling to target both existing and prospective customers
Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiative sand customer queries
Establish, develop and maintain business relationships with existing and prospective customers to generate new business
Participates in cross selling bank products.
Maintain detailed tracking of pipeline management and of prospect data and activities
Set up in person visits, appointments and presentations, following up telephonically where necessary
Conduct a professional financial needs analysis to make a needs-based analysis that may lead to a sale
Scheduling customer feedback for obtaining documents and progress updates
Adhere to Supervision requirements set out by Line Manager for all financial products
May prepare weekly, monthly and quarterly reporting and present results to management
Ensure effective Cash Management as and when required with approved authorization
Ensure effective CAM Management as and when required with approved authorization
Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
Ensure accountability for your own results
Marketing Focus
Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
Identifying referral opportunities in and around the branch
Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
Participates in events that demonstrate support for the community and increase business opportunities for the Bank
Ensure all marketing endeavors, activities and initiatives adhere to appropriate policies and procedures
Risk & Compliance Focus
Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilizing all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
Comply with all policies/procedures related to all customer interactions and engagements
Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
Ensure the reporting of certain incidents and instances required in terms of regulatory requirements (AML)
Ensure the reporting of all fraudulent behavior incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
Ensure effective execution of a “zero-defect” prerogative in terms of the Deal Quality Error Rate
Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank (Own)
Customer Service
Ensure compliance with the Banks Customer Service Standard and relevant legislation
Ensure compliance with TCF principles
Ensure accountability for your own behaviors while helping team members to enhance their ability to engage with the Banks customers
Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
Training & Development
Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank
Operational Activities
Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate., branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
Perform other admin related duties as may be required by Management and Leadership structures of African Bank.
Role Requirements
NQF level 6 FSCA aligned/business related qualification with RE5 being preferential
2 years sales and client service experience and Full Rep in all Product Categories
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