Retail & Business Banking
To manage and optimize value from a portfolio of SME customers
Key Responsibilities / Accountabilities
Promote and sell a range of appropriate products and solutions that meet the financial needs of small and medium business customers.
Selling includes acquiring and opening new business accounts (walk-in customers and customers pro-actively approached in the local market area)
Cross-selling additional products & services to existing customers (walk-in customers, during pro-active telephone conversations).
Identify sales leads for associate company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking; Trade; Global Markets; etc.
Mine existing customer data to identify expansion and / or additional business opportunities.
Identify opportunities to migrate top-end customers to Commercial Banking.
Providing a central (information / query handling) service point for a portfolio of SME customers. .
Ensure KYC documentation, regulatory compliance and control is adhered to
Preferred Qualification and Experience
Bachelors Degree in any related field
Min 2 years of Business Banking Sales experience
Knowledge / Technical Skills / Expertise
Basic Financial Analysis Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
Business acumen Ability to spot opportunities and optimize revenue generation for the business
A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs