Universal Banker (All Regions)

Universal Banker (All Regions)
Company:

Absa Group Ltd


Universal Banker (All Regions)

Details of the offer

With a history of doing business in Africa for over a hundred years, we have a presence across 12 countries in Africa. A career at Barclays Africa promises opportunity and challenge - an opportunity to be part of an organisation that is changing the future of banking, and the challenge to drive the change and lead us into the future.
Qualifications
Banking Knowledge (Meets all of the requirements), Business Improvement Orientation (Meets all of the requirements), Customer Excellence - Service Delivery (Meets all of the requirements), Enabling team success (Meets all of the requirements), Experience in a similar environment, Higher Certificates and Advanced National (Vocational) Certificates - Business, Commerce and Management Studies, Openness to change (Meets some of the requirements and would need further development)

Responsibilities

Job Description
Accountabilities

Sales and Service:

Have an understanding of all Retail and Business Banking products that could satisfy customer requirements.

Plan and co-ordinate any marketing approaches for new business and actively develop existing relationships. Co-ordinate approaches to the portfolio by businesses across the Group.

Conduct review of customers’ borrowing facilities (and interim review if customer circumstances [risk profile] dictate).

Actively seek to grow own portfolio and cross sell to ensure delivery of set Targets.

Consult customer owners/managers on financial/credit issues and general business practice/ideas. ? Determine the key messages, e.g. agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Calculating the most appropriate means of communicating them to customers.

Deal with, and find resolutions for, customer complaints.

Determine the products that are most effective in meeting customers needs and be able to sell these, at short notice, both reactively and proactively.

Monitor and ensure adherence to risk service standards.

Ensure customers receive exceptional service by identifying and meeting their needs through the provision of a range of products and services.

Have the ability through cross-sell to provide a full value-added offering to customers utilising multiple channels, including digital.

Based on leads referred from within the branch and other sources such as listings, contact potential new customers and offer them packaged financial solutions based on an assessment of their needs.

Provide effective banking hall management, orchestrate the team and support colleagues to work collaboratively and be empowered to consistently deliver high standards of customer service

Attempt to resolve customers' enquiries at first point of contact.

Act as the go-to resource for any complex queries and coach junior Bankers through complex tasks

Actively drive service excellence by means of adhering to the Service Standards.

Analyse sales achieved against targets agreed on a daily basis for new and existing clients.

Include action plans to address any shortfalls in sales.

Keep up to date on trends in the economy, the local market and social media to utilise this knowledge to educate customers.

Operationalise campaigns as required with the Branch Manager.

Have an in-depth understanding of the branches’ cash management policies, processes and procedures to provide cover for cash activities on a needs basis Maintain counter performance statistics for management information usage

Identify and evaluate continuous improvements to the counter and banking hall functions

Achieve individual customer sales and service targets and support the achievement of team targets by working within relevant service level agreements

Action any complaints received in accordance with procedures and SLA’s.

Should only advise the customer to fund the account.

Should not advise an existing customer to open a similar account in their respective Branches with a view of moving funds between the accounts.

Should not close an existing account in your Branch/domiciled in another Branch with a view of reopening a similar account.

For any re-streaming of accounts, refer to Loan Processing and Account Monitoring Procedures Manual.

Business Management:

Research, create and follow up on a target list for potential new business.

Identify priority customers using the Customer Prioritization Guidelines to assess their present and potential contribution.

Gather all the required information that is needed to prepare and assess credit applications. Role holder will be expected to input certain key information such as judgmental information.

Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in accordance with RM guidelines and Bank policy.

Manage “Early Warning List” customers to reduce risk, following H.O. and Regional guidance provided. Adhere to procedures and guidelines within the BB RMCD.

Operational Rigour and Compliance
Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards. Understand and manage risks and risk events (incidents) relevant to the role

Ensure accuracy of each new account application, loan document, Barclaycard application and bank account mandate change. UB’s will be held personally accountable for accuracy and quality of these and supporting documents that they complete and submit.

Achieve operational rigour excellence in all aspects of procedures and processes personally undertaken to ensure green audit.

Follow the end to end account opening ensuring new accounts are authorized and KYC compliant. Escalate any items that exceed the agreed service level time lines or where there are unresolved KYC requirements, to the Branch Manager.

Comply with all general Barclays operational risk & rigour requirements e.g. KYC and anti-money laundering regulations.

On occasion, assist the Branch Management to open and close Customer Service Advisor tills at the beginning and end of each day.

Conduct snap checks as allocated by the Branch Operations Officer.

Teamwork and Branch Support

Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required.

Work with the Universal Bankers in the Branch to ensure the achievement of Sales and Service targets.

Understand the activities of Universal Bankers and assist in providing opportunities to improve performance of the overall branch

Provide cover for Branch Manager as required.

Lead the adoption and implementation of change initiatives.

Participate in local events to support local needs, develop individual and team skills and raise the Barclays profile in the local community.

Responsible for the reviewing and resolving of all branch complaints and escalating to the Complaints Champion in line with agreed procedures.

Job Requirements
Required education
: Bachelor's degree

Required relevant work experience
: 7 years

Required languages:
English (Spoken: fluent | Written: fluent)
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Area:

  • Call Center - Customer Support / Customer Service Manager

Requirements