Summary
Date Posted: Wednesday, April 13, 2022 , Base Salary: Not Disclosed

JOB DETAILS:
JOB PURPOSE
To grow and retain a portfolio of high value commercial relationships by performing a proactive, mobile, value adding financial partnership role, ensuring that close personal attention is given to providing a full array of customised financial solutions and services tailored to meet the growth needs and potential of the portfolio.

KEY RESPONSIBILITES
Profitable Growth in Sales
• Providing advice on, promoting, selling and structuring a wide and diverse range of financial solutions customised to best meet the financial needs of high value commercial customers.
• Selling includes acquiring and opening new business accounts on a face-to-face basis, as well as
• Cross-selling additional value added solutions to the existing portfolio to assist clients in growing their businesses
• Identifying and taking ownership of sales leads generated for associate Group company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking; Bancassurance/wealth management (where available) etc. to ensure a quick and knowledgeable response.
• Mining and analysing customer data to identify and plan for expansion and/or additional business opportunities.
• Developing and implementing a client calling schedule to visit all clients in the portfolio.
• Identifying opportunities to migrate top-end relationships.
Lending Support and Risk Management
• Planning and implementing annual credit reviews for the portfolio.
• Explaining and structuring/ customising credit loan facility options, parameters and qualifying criteria.
• Supporting customers in the completion of credit application information requirements, e.g. balance sheets, financial statements and management accounts.
• Motivating and processing non-scored credit applications.
• Notifying customers regarding the approval/ decline of credit loan facilities.
• Exploring alternative solutions in the event of declines from Credit.
• Monitoring of daily referrals to ensure that client facilities are managed within the parameters set by Credit. Exercising discretion regarding account conduct based on a close knowledge and understanding of client activities.
• Managing and controlling industry sector, client exposure, and securities held to contain risk.
Customer Service Quality and Efficiency
• Providing a central advisory/information/ query handling service point for the portfolio.
• Performing a proactive liaison role between customers and back office service fulfilment and credit functions.
• Interacting frequently and closely with all clients to analyse and establish ongoing needs and to assist clients to better understand their financial requirements.
• Accurately and efficiently processing customer mandates/ documentation requirements for financial facilities.
• Compliance with Legislation
• Compliance with general banking and Credit policies and procedures.
• Ensure compliance with KYC requirements.
• Responsible for the implementation and adoption (within Branch, Department or Section) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.
People Management
• Managing the Client Analyst to ensure that work standards and quality work output targets are set, achieved and maintained.
• Managing the performance contribution of support staff.
• Identifying strengths and development areas and ensuring that support staff receive the requisite learning and skills development interventions.
• Proactively coaching and mentoring subordinates.

QUALIFICATIONS
• Degree in Finance and Accounting
• 5 – 7 years of banking experience, with 3 to 4 years of relationship management or people management.

Work Hours: 8

Experience in Months: 60

Level of Education: Bachelor Degree

Job application procedure
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