Business Banker (Candidates with disabilities only)

🗏Job Type

Full Time

To provide a basic, branch-based Business Banking sales and service function to a portfolio of Small Enterprise (SE) customers requiring uncomplicated and standardised financial product solutions.


Drive Transaction Led-Customer Acquisition

· Promotes and sells a range of appropriate Standard Bank of South Africa (SBSA) product offerings and solutions that meet the financial needs of small business customers.

· Forges business partnerships with Business Banking stakeholders in the province to leverage the interplay between Personal Bankings and Business Banking for optimal growth and retention.

· Acquires and opens new business accounts and cross sells at account origination according to customer needs.

· Cross-sells additional products and services to existing customers.

· Identifies and refers sales leads to Business stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); SBFC; SBIB; Card; Home Loans; etc.

· Actions lead lists provided from direct marketing.

· Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified.

· Identifies and actions opportunities for cross- and up-sell.

· Identifies migration opportunities and sells products/services reactively.



Customer Experience

· Provides a simple and convenient offering to a portfolio of small enterprise customers.

· Proactively contacts Top 20 percent of customer in line with SE value proposition.

· Interacts with customers and conducts needs analyses to assist customers to better understand their financial requirements.

· Accurately and efficiently processes customer mandates/ documentation requirements for banking facilities.

· Educates customers regarding the parameters and routine procedures governing standard SE product and self-service channel offerings to ensure the correct customer behaviour and product usage.

· Ensures that all new service requests (queries and complaints) are logged correctly, as either a “first contact resolution” or “non-first contact resolution” as appropriate.

· Ensures that service requests in personal work list are actioned within agreed timelines.

· Ensures accurate capture, updates or amendments of customer information and history notes.



Compliance

· Complete all compliance training within laid down timelines



Economic Profit
· Responsible for the achievement of financial budgets through optimal growth of balances, margin management and revenue streams.

· Achieves financial budgets in line with Regional dynamics.

· Effectively manages pricing concessions and revenue collection.



Portfolio Management
· Contacts customers in order to arrange appointments or discuss any sales opportunities.

· Arranges face to face appointments as per customer request.

· Maintains and updates customer information on the necessary systems.



Lending Support and Risk Management

· Explains credit loan facility options and qualifying criteria to customers.

· Supports customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements and management accounts.

· Processes scored credit applications within the confidential limit of authority and Behavioural Risk Indicator (BRI) scores.

· Notifies customers regarding the approval or decline of credit loan facilities.

· Captures applications for all lending products.

· Actions credit violation reports daily as per laid down procedures.

· Ensures that the Know Your Customer (KYC) reports and Enhanced Due Diligence (EDD) reports are actioned timeously.

· Ensures that all Business Banking reports are actions as per laid down procedures.



Legislative compliance

· Supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements

· Supports the SE Business Banking to ensure compliance to all applicable legislative requirements such as National Credit Act, Companies Act, Consumer Protection Act, etc.

Ensures the adherence to all internal risk related policies and guidelines.

· Matric

· Studying towards a Relevant business related tertiary qualification e.g. B.Comm degree is a pre-requisite

Must complete one of the Qualifications listed on the FSB recognised list within the allocated time.

· 2 to 3 years Business Assistant experience to the Business Manager is ideal.

· Previous experience within the Personal/Consumer banking environment as a Customer Consultant/Personal Banker and/or Enquiries Officer is preferable.

Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role.

Salary Negotiable


Apply Here http://bit.ly/2wJAOEz

Job id : , #71729, 7 views,

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