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SBM BANK – Consumer Banking Officer

All jobs > Accounting, Finance and Audit > SBM BANK – Consumer Banking Officer
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Full-time

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Key Responsibilities

Strategy

  • Develop and manage pipelines from new and existing customers, referrals, cold calls and capitalize on this database to grow the book
  • Prepare a sales plan in relation to the branch and department strategy and manage implementation of the same
  • Increase wallet size for existing portfolio through cross-sell, up-sell and retention

Acquisition: Business Development

  • Required to open set target accounts and ensure these accounts are active and of value balances.
  • Meet individual loan targets for the retail book through workplace banking and other retail loan products
  • Underwrite personal and retail loans through Credit Quest
  • Ensure that individual portfolio asset quality is within the set branch target.
  • Sell the full array of products, channels and services relevant to the retail clients and in line with key focus for the branch.
  • Respond to customer enquiries, concerns and create positive solutions [consistency on impressive customer experience]
  • Recognize, refer and cross-sell opportunities to the relevant business units
  •  Prepare and submit on time the daily/weekly sales reports
  • Consistently meet and exceed sales targets for loans, deposits, CASA, Channels and income
  •  Actively participate in business activations & sales campaigns that support the growth of retail business at the branch
  • Keep abreast with the bank’s products’ features, benefits and all regulatory requirements.
  • Initiate, record and update all customer interactions through a variety of methods, including call reports and customer relationship management system
    (CRM)
  • Attend approved seminars and community events.
  • Maintain the sales environment, actively participate in regular sales and office staff meetings.
  • Provide a customer experience that is consistent across all customer touch points.
  • Maintain a professional appearance that is supportive of business
  • Forward feedback from customers to the Branch Manager and recommend changes based on the feedback.

Compliance

  •  Ensure 100% compliance to KYC, AML policies and account opening procedures in line with the bank’s policies and procedures and the Prudential Guidelines.
  • Keep up to date customer records as provided by the Prudential Guidelines.
  • Adhere to set bank TAT/ SLA on all processes including but not limited to Account opening, Loan processing, customer complaints handling.
  • Keep up to date on the controls in place to protect the bank against criminal, fraudulent activities and unnecessary risk and exposure.

Human Resource

  • Work efficiently as a team in the branch and offer good customer service to internal customers [staff in support units]
  • Sign off BSC and individual performance targets for the year. Timely self- appraisal in line with the banks appraisal cycle
  • Attend set trainings, sharing and application of knowledge learnt.
  • Adhere to leave schedules to achieve Work life balance.

Customers of this Position

  • Elite Clientele
  • Personal/Workplace Banking Clientele
  • Walk ins

Knowledge; Skills and Experience required for this Role
Job Knowledge

  • Basic banking processes
  • Business process
  • Analyze credit and financial information.

Experience

  • 1 year banking experience in related field

Education

  • Graduate from an accredited University preferably in Business related course.

Competencies required for this Role

  • Delivering Results and Meeting Customer Expectations
  • Entrepreneurial and Commercial Thinking
  • Working with People
  • Relating and Networking
  • Persuading and Influencing
  • Achieving Personal Work Goals and Objectives
  • Deciding and Initiating Action
  • Planning and Organizing

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SBM Bank Kenya

About Author

Human Capital Resources and Solutions.