Relationship Banker

Relationship Bankers needed for a new branch of a innovative bank opening soon!

Key performance areas:

Acquisition of New Accounts

• The proactive mining of defined sources of business to acquire new accounts (Merchant base, Retail base etc)
• Generation and conversion of self-sourced leads through referrals, networks and research
• Reactive acquisition through walk in clients and other means of engagement

Cross sell of the full lending product suite

• Cross sell of the full investment product suite
• Cross sell of transactional channels like internet banking, cash channels
• Cross Sell of all other related products and services (Forex, Payment solutions, Cash solutions etc) Cross Sell of Banking Products

Client Experience

• Deliver all products and services as a single point of contact to the client through predominantly virtual client engagement platforms.
• The immediate adoption of new clients to the portfolio in a professional and engaged manner
• Taking a proactive approach to client engagement to ensure an optimal client experience across new and existing clients to build meaningful and sustained relationship clients in the portfolio

Credit and Risk Management

• Responsible for the origination of lending requests from clients within the portfolio, in line with the credit parameters.
• Provide regular feedback to the client on the status of the credit application
• Provide feedback to clients on the outcome of the application, i.e. Approval/Decline
• Ongoing credit management and monitoring of financial performance of clients within the portfolio which includes:
• Excess management
• Arrear management
• Proactive identification of additional lending requirements
• Build sound working relationships with various Stakeholders, i.e., Credit and Security Admin teams, to ensure process efficiencies and deliverance within prescribed SLAs
• Responsible to execute all functions within the Groups compliance, risk and policy framework.
• The adoption and strict adherence to the Groups processes

Qualification

• Matric
• Diploma or degree or relevant banking qualification

Minimum knowledge and understanding of:

• Business banking environment including features, benefits and value propositions of products & services
• General banking practices and procedures.
• Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements. .
• The Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
• Administration processes and procedures pertaining to Business Banking transactions.
• Client relationship management and service principles.

Ideal knowledge and understanding of:

• Competitor market product offerings/ channels/ operational and marketing tactics would be advantageous.

In office - Sandton

45 hour work week - 8 to 5 (Mon to Friday) and every second Sat 8 to 12 on rotation roster (this can be a wok from home if have backup for load shedding).