Job Description
To proactively manage a portfolio of retail clients by providing comprehensive, relationship-based banking solutions.
Key Responsibilities
Establish, build and strengthen relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
Ensure that customers are well informed with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, etc), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g. minimum account balances, provision for debit orders and cheque payments, etc).
Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer's needs and priorities.
Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities.
Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer's relationship with the Bank appropriately.
Qualifications
University Degree.
Behavioural Competencies:
Checking Things
Convincing People
Developing Expertise
Developing Strategies
Embracing Change
Establishing Rapport
Examining Information
Exploring Possibilities
Following Procedures
Generating Ideas
Impressing People
Interacting with People
Inviting Feedback
Meeting Timescales
Pursuing Goals
Seizing Opportunities
Showing Composure
Taking Action
Team Working
Thinking Positively.
Technical Competencies:
Application & Submission Verification (Consumer Banking).
Banking Process & Procedures.
Client Acceptance & Review.
Customer Understanding (Consumer Banking).
Processing.
Product Knowledge (Consumer Banking).