KEY ACCOUNTABILITIES:

• Grow the personal asset and liability portfolio of the branch in order to achieve the sales targets.
• Appraise loan applications making sure that they meet the set standards and credit requirements using the prescribed score cards and return those that do not meet specifications to the front office desk for follow up to avoid losses.
• Initiate credit applications for new and existing customers by completing the documentation with customers, completing the required financial analysis and submitting applications to credit for approval to meet the set agreed timelines.
• Increase product penetration for personal banking clients by reviewing their portfolio to determine potential cross sells and proactively recommend new products to them.
• Conduct regular face-to-face customer visits, site visits, recognition initiatives and write updated call report for each visit as per agreed standard in agreed targets for customer retention.
• Receive and verify customer documents for account opening, facilities, and other customer instructions according to the laid down procedures.
• Timely notification of customers regarding their loan approvals/declines of credit facilities and advise alternative options in case of a decline for customer satisfaction.
• Identify areas of concern/potential fraud and develop appropriate remedial processes/systems, which encompass both the operational and financial aspects of risk management.
• Monitor the portfolio performance and ensure that PAR and NPA is kept within the acceptable limits to avoid losses.
• Manage credit and operational risk in account opening and loan processing to avoid fraud and losses.
• Onboard new customers on alternate channels to supp
• Comply with KYC, AML & suspicious transactions reporting and ensure that all documentation and transactions are in line with local.

KNOWLEDGE, SKILLS, AND EXPERIENCE REQUIRED:

• Bachelor’s Degree.
• At least 4 years banking experience of which 2 should be at the front line.
• Excellent sales, networking and relationship management skills
• Strong communication and presentation skills
• Strong understanding of credit principles and guidelines
• Strong understanding of bank products and ability to propose the investment options
• Ability to manage a portfolio of customers with different business needs
• Excellent analytical skills
• Good understanding of both business and personal banking.
• Excellent interpersonal and negotiating skills required.
• Industry and business awareness.
• Excellent selling and negotiation skills.

BUSINESS BEHAVIOURS

• Relationship Building
• Customer Intimacy
• Drive for Results
• Continuous Learning
• Accountability