Job Title: Senior Personal Banker – Personal Loans
Department: Direct Sales
Direct Supervisor: Team Leader/Sales Manager
Job Number
Grade: H
2 Job Purpose
Sell entire range of personal banking products to potential retail prospects & to maintain strong relationships with existing clients of the bank. 3 DIMENSIONS Operating Expense Budget NA Number of Staff NA Capital Exp. Budget NA Revenues 4 KEY RESULT AREAS
- Achieve monthly sales targets in the financial year.
- Prospect in targeted segments that require meeting standards in phone calls, and face-to-face visits.
- Present and sell all personal banking products & services to potential customers in an ethical structured & professional manner.
- Relationship manage (where required) a portfolio of approved companies by developing key contacts and relationships
- Conducting micro marketing activities that include Kiosk activities and other direct marketing activities.
- Handling objections with a view to getting the customer to buy or company to transfer payroll.
- Ensure End-To-End customer TAT is met for all applications submitted with quality adherence as per target guidelines.
- Ensure strict compliance with the Bank's policy with regards to product, customer KYC, FATCA, AML CTF and third-party channel interactions.
- Record all sales activities in Daily Sales Reports and update CRM for leads and contacts.
- Participate in all Team Activities like morning huddles, training and coaching, complete mandatory compliance and fraud trainings, Lean & rewards celebrations.
Ensure the highest ethics, standards and integrity are followed and immediately escalate any suspected or actual breaches to Senior Management, Governance, as may be required. 5 Operating Environment, Framework and Boundaries, Working Relationships
- Competitive, dynamic, volatile and regulated business environment with low entry / exit barriers.
- The job holder will be operating within well-defined and demarcated business areas and is required to adhere to the policies and guidelines set out in the Bank's Credit Policy Manual.
- Candidate must effectively / actively liaise with his superiors and direct reports within the business unit to achieve business objectives.
- Works in an environment of daily reporting with six days working. 6 PROBLEM SOLVING
- Sales require understanding customers individual financial circumstances.
- Responsible for assisting staff and customers in achieving their goals and objectives. 7 DECISION MAKING AUTHORITY & RESPONSIBILITY
- Responsible for honestly assisting the customer in achieving his objectives through courteous and friendly service, accurate promises keeping within the service delivery standards set by the bank.
- Should have complete product & policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.
Classification: Internal Use
8 Knowledge, Skills And Experience
- Sales profile that require confidence, persistence, personality and verbal written
- Basic knowledge of products, service policies and processes of Retail Banking.
- Any discipline with 2 years sales experience 9 BEHAVIORAL COMPETENCY
COMPETENCY LEVEL (1 – 4)
(1-BASIC 4- SR. MANAGERIAL)
COMMITTED TO RESULT
2
Communication Skills
1
Influencing & Negotiation Skills
1
CUSTOMER FOCUS
1
ATTENTION TO QUALITY AND DETAIL
2
Recommended By
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Signature
Concurred By
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Signature
Date
Date: Approved By: Signature: Date:
