Main duties

• Develop and work closely with Business Center managers to manage a portfolio of both retail and SME clients with a view of developing mutually beneficial business opportunities.
• Maintain and improve upon the service delivery to Business Center customers - specifically to the allocated customer's portfolio and generally to all the customers/prospects of the bank.
• Conducting business reviews to ensure customers are satisfied with their products and services.
• Conduct all sales & service activities within the Risk & Compliance parameters as defined by the bank.
• To proactively promote and sell the banks products and services, by assessing local market conditions, catchment area, identify current and prospective sales opportunities while getting involved in additional marketing activities.
• Acquire New to Bank (NTB) customers through proactive sales calling/meetings/Site visits based on defined objectives.
• Carry out follow ups on excess, arrears and expired facilities as well as take appropriate actions in consultation with the Business Center Manager.
• Acquisition of profitable new customers for business through the creation, development and maintenance of high-quality advisory relationships that includes effective consultative selling and need based selling of financial solutions (within segmentation boundaries).
• Establish new borrowing relationships and preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share.
• Prepare credit proposals or reviews and submit recommendations to the appropriate approval committee.
• To attend fairs, events, programs to promote the Banking products and services to customers and enhance the image of the Bank.
• Develop appropriate operational relationships with customers across functions and ensure customer satisfaction through ongoing relationship development.
• To analyze and provide relevant feedback on competitor products and services.
• Control the quality of the portfolio using available triggers and adherence to Risk Management guidelines and policies.

Prerequisites

• Preferably a graduate in a field acceptable to the bank.
• A detailed knowledge of the SME set of products as well as a broad understanding of products available in the Bank.
• Sound understanding of treasury products, trade finance products, personal banking products.
• Sound understanding of Credit Administration Process.
• A broad understanding of policies and strategies within the country as they relate to the demands of the customer base.
• A detailed understanding of Regulatory guidelines and credit risk policies.

Skills

• Relationship Management.
• Problem Solving and Analysis.
• Communication Skills.
• Understanding of Business, Government and Industry Processes.
• Interpersonal Style.