Relationship Officer - Business Loans

Job Description

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 Bank's 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 Onboarding,Fraud Control,Client 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