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
Experience Required
At least 3 years experience in Personal and Private Banking.
Knowledge of the bank's products, compliance procedures and regulations governing the management of financial services. Previous branch banking experience.
Behavioural Competencies:
Articulating Information
Embracing Change
Establishing Rapport
Following Procedures
Managing Tasks
Meeting Timescales
Producing Output
Seizing Opportunities
Showing Composure
Team Working
Upholding Standards
Valuing Individuals
Technical Competencies:
Active Listening
Banking Process & Procedures
Customer Understanding ( Consumer Banking)
Product and Services Knowledge
Product Knowledge (Consumer Banking)
Risk Identification
Telephone Caller Handling