Business Banker at PostBank

Job Description

Drive Business Growth, Credit quality and excellent customer care while the set departmental targets and policies of the bank.
Maintain PAR within acceptable limits

KEY RESPONSIBILITIES /KEY DELIVERABLES
• Formulate and implement sales action plans for the portfolios that will lead to the achievement of business objectives
• Analyse existing customer data to identify expansion and/or additional business opportunities, utilising the MIS
• Participate in sales campaigns, techniques and tactics in a planned manner to achieve sales targets
• Prepare Sales reports showing pipeline and sales performance for the required period, proactively acquire new clients and drive cross selling of additional solution according to customer needs as well as referring sales leads to other business stakeholders
• Drive the use/sale of alternative self-service banking channels and educate customers of using alternate channels and grow revenue and profitability of assigned portfolios
• Proactively acquire new clients and drive cross-selling of additional solutions according to customer needs as well as referring customers to other business stakeholders
• Grow revenue and profitability of the assigned portfolio
• Perform preliminary analysis/Interview on credit proposals or renewals by looking at the financial risk profile, repayment capability, security adequacy and industry risk and advice loan applicants for all SME loans.
• Assess credit requests in line with the bank’s credit standards, policies and practices and make recommendations to the credit committee
• Raising of vouchers in line with the stated terms and conditions of the
• Posting/Verifying of the day’s work and maintain files for all loan customers
• Ensure that all customers’ files are safely locked away all the time.
• Call/check day’s work and ensure that all wrong entries are reversed not later than the following working day.

QUALIFICATIONS, EXPERIENCE AND COMPETENCIES REQUIRED
• Bachelor’s degree in Business Admin/management, Commerce, Economics, Statistics, Microfinance or other related business course.
• Relevant training in Credit risk management is an added advantage
• At least two (2) years’ experience in credit operations
• Proven successful sales track record in a financial services industry is an added advantage
• Advanced product knowledge in credit and other specialised products