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\nJob Summary
\nTo advise customers and process banking transactions accurately and timeously through the execution of predefined objectives as per agreed standard operating procedures (SOPs).
\n\uf0a7 The main focus of this role is to build and maintain professional business relationships across a portfolio (1000 plus customers) on a reactive basis by driving sales and income targets, acquiring walk in clients, solutioning existing clients with cross sell, campaigns and product utilisation. The SME Banker is further required to manage risk and compliance on the portfolio Sanctioning excesses within personal discretion if any.
\n\uf0a7 Ensuring contact with\/visits to existing and new clients at least once per year, usually at annual review\/new business initiation or on a need basis.
\nJob Description
\nIncome Growth and Financial Targets: 40%
\nOutcome
\nRe-actively maintain ownership of a portfolio of allocated SME clients.
\nEnsure customer relationships via appointment based and branch walk in customer interaction.
\nEnsure the long-term sustainability of customers by establishing relationships with new clients and solution based up-selling to existing clients.
\nFocus on client graduation to SME Relationship sub segment.
\nAchieve cross sell and up selling sales targets by driving cross functional teams (including but not limited to sector and product specialists) to find client-centric solutions.
\nAchieve customer satisfaction targets within assigned portfolio by improving customer satisfaction standards by providing e-channel solutions.
\nTrack and monitor the financial performance of the portfolio through existing MI.
\nApply risk-based pricing for all new sales and pricing reviews in line with standard pricing and fee structures\/guidelines and applications. Negotiated pricing by exception, based on existing concession model.
\nAchieve sales targets relevant to the strategic initiatives and drivers for the SME Business accounts.
\nSale the business club proposition to walk in customers.
\nFocus on customer graduation for customers to more customers focused and appropriate value proposition, upgrading the customer to SME Relationship cost to serve value proposition.
\n\u00a0
\nInternal and Client Relationship Management: 40%
\nOutput
\nRe-actively drive acquisition initiatives through re-engagement processes supported by SME Banking campaign initiatives.
\nMake use of the middle and back-office support networks to ensure effective on-boarding and complete end-to-end service delivery.
\nTake ownership of client complaints and originate from CCP (Customer Complaints process), take responsibility and accountability.
\nParticipate in the internal customer surveys.
\nWork closely with Customer Services, responding to service requests and complaints for customers.
\nTake responsibility for meeting challenging individual and team value targets.
\nPromote support to the Head -BB Southern Region and other team members where assigned.
\n\u00a0
\nManage Risk Assessment: 20%
\nOutput
\nUnderstand and apply the relevant governance and compliance procedures to activities undertaken and maintain ongoing completion of relevant governance and compliance training.
\nMaintain customer records and accurate completion of applications and paperwork by capturing customer information.
\nTake ultimate ownership of the portfolio\u2019s risk management by ensuring a good understanding of both the Bank\u2019s and the clients regulatory and compliance environments.
\nManage the Not Fit for processing listings for the KAMLS ensuring that the error rates on submissions to Middle Office for 2nd tier checking of all KAMLS documents are at a minimum.
\nManage dormant accounts ensuring clients activate accounts or close accounts if no longer required.
\nTake ownership for obtaining and scanning of all KAMLS (Know Your Customer and Anti Money Laundering) and other on-boarding documentation relevant to the customer (new and existing customers).
\nManage accounts in excess to ensure that all such are accounts are funded or closed after applicable timeframe.
\nEducation
\nHigher Certificates and Advanced National (Vocational) Certificates: Business, Commerce and Management Studies (Required)
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