The Business Banker will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said
portfolio whilst maintaining/ building customer relationship and account information.
Experience
· Experience in Banking and a good knowledge of bankproducts
· 3 year experience in managing clients
· Excellent interpersonal skill
· Excellent communication and presentation skills
Responsibilities
• To ensure growth of SMEs portfolio (NFI, deposits and assets) through the acquisition of new bank customers.
• To actively generate referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• To effectively manage and expand the relationships with existing SME banking clients and bringing in new business from existing portfolio so as to ensure business growth and continuity.
• To grow SME portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships.
• To ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Manager.
• To monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs.
• To assist in resolving client queries in a timely and appropriate manner.
• To assist in collaborating with product specialists, to deliver effective customer solutions.
• To ensure fulfillment of minimum customer relationship touch points –e.g. 1 visit every quarter and 1 call and email a month depending on customer segment.
• To prepare and submit all reports that may be required by the management summarizing individual and team loan activity.
• To have a clear understanding of relationships, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis within the bank’s set turnaround times.
• Maintaining/updating customer data on parameters such as Business turnover/directors details etc .
• Prudently manage asset book and ensure minimum Portfolio at risk
Job Requirements
Required education
: Bachelor's degree
Required relevant work experience
: 3 years
Required languages:
English (Spoken: fluent | Written: fluent)
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