Relationship Officer - Business Loans

Company Description

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