Job Title: Consumer Banking Officer
Hiring Organization: SBM
Bank
Location – Locality: Nairobi
Location – Region: Kenya
Industry: Banking
Job Type: Full
Time
Salary: KES
Competitive
Date Posted: 03/28/2024
The
overall purpose of this role is to achieve business growth for the Bank by
recruiting new clients, selling bank’s products within personal banking and
cross-sell other products, channels and services of the Bank. To enhance
relationships with existing customers with an aim to deepen and increase share
of wallet.
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
- 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.
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