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Consumer Banking Officer
Job Purpose
The overall purpose of this role is to
achieve business growth for the Bank by recruiting new clients, selling bank’s
products within personal banking and cross-sell other products, channels and
services of the Bank. To enhance relationships with existing customers with an
aim to deepen and increase share of wallet.
Key Responsibilities
Strategy
- Develop and manage pipelines from
new and existing customers, referrals, cold calls and capitalize on this
database to grow the book - Prepare a sales plan in relation
to the branch and department strategy and manage implementation of the
same - Increase wallet size for existing
portfolio through cross-sell, up-sell and retention
Acquisition: Business Development
- Required to open set target
accounts and ensure these accounts are active and of value balances. - Meet individual loan targets for
the retail book through workplace banking and other retail loan products - Underwrite personal and retail
loans through Credit Quest - Ensure that individual portfolio
asset quality is within the set branch target. - Sell the full array of products,
channels and services relevant to the retail clients and in line with key
focus for the branch. - Respond to customer enquiries,
concerns and create positive solutions [consistency on impressive customer
experience] - Recognize, refer and cross-sell
opportunities to the relevant business units - Prepare and submit on time
the daily/weekly sales reports - Consistently meet and exceed
sales targets for loans, deposits, CASA, Channels and income - Actively participate in
business activations & sales campaigns that support the growth of
retail business at the branch - Keep abreast with the bank’s
products’ features, benefits and all regulatory requirements. - Initiate, record and update all
customer interactions through a variety of methods, including call reports
and customer relationship management system
(CRM) - Attend approved seminars and
community events. - Maintain the sales environment,
actively participate in regular sales and office staff meetings. - Provide a customer experience
that is consistent across all customer touch points. - Maintain a professional
appearance that is supportive of business - Forward feedback from customers
to the Branch Manager and recommend changes based on the feedback.
Compliance
- Ensure 100% compliance to
KYC, AML policies and account opening procedures in line with the bank’s
policies and procedures and the Prudential Guidelines. - Keep up to date customer records
as provided by the Prudential Guidelines. - Adhere to set bank TAT/ SLA on
all processes including but not limited to Account opening, Loan
processing, customer complaints handling. - Keep up to date on the controls
in place to protect the bank against criminal, fraudulent activities and
unnecessary risk and exposure.
Human Resource
- Work efficiently as a team in the
branch and offer good customer service to internal customers [staff in
support units] - Sign off BSC and individual performance
targets for the year. Timely self- appraisal in line with the banks
appraisal cycle - Attend set trainings, sharing and
application of knowledge learnt. - Adhere to leave schedules to
achieve Work life balance.
Customers of this Position
- Elite Clientele
- Personal/Workplace Banking
Clientele - Walk ins
Job Knowledge
- Basic banking processes
- Business process
- Analyze credit and financial
information.
Experience
- 1 year banking experience in
related field
Education
- Graduate from an accredited
University preferably in Business related course.
Competencies required
for this Role
- Delivering Results and Meeting
Customer Expectations - Entrepreneurial and Commercial
Thinking - Working with People
- Relating and Networking
- Persuading and Influencing
- Achieving Personal Work Goals and
Objectives - Deciding and Initiating Action
- Planning and Organizing
How to Apply
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