Banker, Universal, Busia & Meru at Standard Bank Group

Job Purpose:

Provides the following services to BCB (Enterprise Banking):

Conducts basic needs analysis for Enterprise Banking customers at the branch and provides solutions to fulfill customer requests. Requests outside of branch mandate are referred to Enterprise Direct.

Key Responsibilities:

Sales;

• Conducts a thorough financial needs assessment and recommends the most appropriate products and services for BCB customer’s immediate and future financial needs at the branch.
• Identifies and refers sales leads to other stakeholders including, Vehicle and Asset Finance (VAF), Digital Channel, Card, Home Loans and others.
• Provides input into the marketing plan and campaigns targeted at increasing BCB sales revenue.
• Conducts and drives campaigns at branch, targeted at BCB customers.
• Provides the following services to BCB Customers:
• Identify leads for BCB product offerings that meet the financial needs of walk-in business customers.
• Promote and sell a range of BCB product offerings and solutions that meet the financial needs of BCB customers.
• Acquire and open new BCB accounts according to customer needs.
• Cross sell additional products and services to existing and new BCB Clients.

Customer Service;

• Attends to BCB customer service requests and refer requests outside of scope to the relevant area for example: Enterprise Direct; Home Loans; VAF, and follow up on the query resolution in order to provide feedback to the customer.
• Engages with priority clients on a re-active basis as required and ensure that the client need is addressed appropriately by either attending to the request or handing it over to the relationship manager.
• Provides the following services to Enterprise Banking customers:
• Assists with customer service queries e.g. transfer, amend and close accounts when requested by customers according to defined procedures.
• Proactively promotes the adoption and drive awareness for digital banking channel and Enterprise Direct
• Conducts customer on boarding for BCB Clients as per defined processes for new accounts and explain credit loan facility options and qualifying criteria to customers.
• Attends to BCB customers on the overflow of customer service requests.

Lending & Risk Management

• Identifies and manages business risks from both a customer and bank perspective by ensuring that appropriate control mechanisms are in place to minimize risk exposure. Example cheque confirmations or verifying signatures.
• Conducts Know Your Customer (KYC) for BCB Clients as per defined guidelines in order to minimise fraud. Reports identified fraudulent incidents immediately.
• Provide the following services to BCB Customers:
• Creates profile on the credit workflow system for Enterprise Banking walk-in customers with lending needs so as to assist in the credit application process
• Guides BCB Clients in the completion of credit application information requirements for example balance sheets as part of the application process
• Captures and process scored credit applications for BCB Clients within the confidential limit of authority and Behavioural Risk Indicator (BRI) scores and notify customers regarding the approval or decline of credit loan facilities
• Conducts physical verification and call reports on Enterprise Banking customers so as to assist in the credit application process.
• Informs customers of their terms and conditions of credit approval in accordance with the requirements in Standard Bank's policies as well as the Code of Banking practice

Legislative, Compliance & Governance

Complies to the following:

• Regulations and legislation that specify the identification of customers and related record keeping.
• All applicable local legislative requirements in terms of credit granting, consumer engagement, customer treatment and corporate governance.
• All internal risk related policies and guidelines.

Qualifications

Minimum Qualifications

• Type of Qualification: 1st Degree - Generic Management.
• Field of Study: Not applicable

Experience Required
Client Coverage

• Personal and Private Banking
• 3-4 Years proven successful sales track record in sales and service across Personal and Business Banking.  Extensive branch and bank product knowledge will be an added advantage.

Additional Information

Behavioral Competencies:

• Checking Details
• Convincing People
• Developing Expertise
• Developing Strategies
• Embracing Change
• Establishing Rapport
• Examining Information
• Exploring Possibilities
• Following Procedures
• Generating Ideas
• Impressing People
• Interacting with People
• Inviting Feedback
• Meeting Timescales
• Pursuing Goals
• Seizing Opportunities
• Showing Composure
• Taking Action
• Team Working
• Thinking Positively

Technical Competencies:

• Application & Submission Verification (Consumer Banking)
• Banking Process & Procedures
• Client Acceptance & Review
• Customer Understanding ( Consumer Banking)
• Processing
• Product Knowledge (Consumer Banking)