Relationship Officer Business Loans

JOB PURPOSE:

       Meet and exceed monthly and annual sales target objectives

       Ensure penetration in the market through focus on New To Bank acquisition as well as solicit existing clientele

       Do proper analysis of the case and provide all related information of the customer after the field visit is done

       To be familiar with all policies products and processes to ensure superior client on boarding experience

       To proactively participate in Learning Development  and training programmes of the bank in order to be an effective sales personnel

       Ensure strict adherence to all KYC Compliance policies and other processes as stipulated

 KEY ACCOUNTABILITIES:

This section shall not be customised to reflect accountabilities which may be unique to one role. Please use Section 5 to capture any accountabilities specific to the role which are over and above those mentioned in this section.

Financial:

 Accomplish set sales and revenue objectives for all Products as per set business plan.

        Achieve monthly& annual set KPI objectives

        Focus on New To Bank acquisition along with leveraging existing client base

        To leverage on cross sell opportunities to ensure higher revenue per customer

        Maintain Daily Sales Reports on sales performance for review by team leader and manager assets

Customers:

Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience. 

        Ensure thorough knowledge of all product policies and processes in order to achieve superior client on boarding experience

        To ensure no mis selling to customers by offering products/services transparently as per customer requirements

        Understand and resolve/escalate  customer redresses to ensure timely resolution

Learning & Growth:

        To ensure participation in assigned training Learning & Developemet programmes

        Awareness to competition offerings and offer suggestions to line manager to improve product/ processes

Internal Processes:

Ensure implementation of prescribed Sales & Compliance processes as per Banks policies.

Implement governance & controls to proactively identify manage and minimize/mitigate potential losses to the franchise within respective Area.

        Adhere to  Risk Control Assessment  process across all areas of Business Banking Department -  Selling Client OnboardingFraud ControlClient Application & KYC Documentation etc

        Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all  prescribed processes

        Ensure to bring quality and right customers to the franchise .

        Discuss the cases with stake holders and ensure support is provided

Specialist Skills required for the Job:

Core Skills

Technical Skills

        Leadership & team management

        Good knowledge of BB products

        Service quality & customer handling skills

        Good Computer skills; Excel word PP

        Motivated & Proactive approach

        Competitive and ability to work in multi cultural environment

        Ability to develop & strengthen relationship between team & customers

In person telephone and email to communicate on matters/ reports related to the job.

Team management and key deliverables

JOB KNOWLEDGE SKILLS AND EXPERIENCE

        Requires good convincing and Negotiating Skills according to the complexity of business.

        Continuous suggestions on Changes and ways of improving FAB Products.

        To build and maintain effective business relationship with all colleagues.

        Identify any cross Selling opportunity for Other Business Divisions of the Bank

#LI-MM2

Qualifications :

QUALIFICATIONS & EXPERIENCE:

Business Loans experience is a must

Education required : University Degree / MBA / PGDM / Sales diploma or certification preferable.

Experience : 3 5  years of experience in Banking  or in a Financial Industry

Remote Work :

No

Employment Type :

Full-time