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
Knowledge; Skills and Experience required for this Role
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
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