REPORTING TO: Branch Manager
JOB PURPOSE: Reporting to the Branch Manager, the role holder will be responsible for growing and maintaining the business assets and liability portfolio of the branch by offering business banking solutions to clients per the laid down procedures.
LOCATION: All Regions
KEY ACCOUNTABILITIES:
- Source for new business and maintain existing accounts to achieve sales & relationship targets for Business growth.
- Monitor own portfolio to ensure that PAR and NPAs are kept within acceptable levels.
- Appraise loan applications making sure that they meet the set standards and credit requirements using the prescribed scorecards and return those that do not meet specifications to the front office desk for follow-up to avoid losses.
- Initiate credit applications for new and existing customers by completing the documentation with customers, completing the required financial analysis, and submitting applications to credit for approval to meet the set agreed timelines.
- Increase product penetration for allocated customers by reviewing their portfolio to determine potential cross-sells and proactively recommend new products to customers for Business growth.
- Receive security documents from customers ensuring that they meet bank standards and any specific requirements depending on the facilities offered to the customer.
- Follow up on all approved loans and ensure that customer information is correctly captured in the system i.e. standing orders, interest rates, repayment schedules, limits, review, and expiry dates to avoid losses.
- Follow up on irregular accounts and generate actioned arrears report for submission to credit for a quality portfolio.
- Make calls to clients with loans in arrears to support timely collection and generate reports to ensure NPA/PAR are within acceptable levels.
- Process disbursement requests for all lending products to achieve the branch targets.
- Take responsibility for the performance of the allocated SME portfolio to maximize loyalty and customer satisfaction.
- Onboard new customers on quick banking and inform customers of other appropriate service channels.
- Comply with KYC, AML & suspicious transactions reporting and ensure that all documentation and transactions are in line with local and regulatory anti-money laundering and KYC requirements.
- Undertake additional duties and/or transfer you to other duties compatible with your skills and experience within dfcu more generally as the Bank shall in its absolute discretion determine.
KNOWLEDGE, SKILLS, AND EXPERIENCE REQUIRED:
- Bachelor’s Degree.
- At least 3 years banking experience of which 2 should be at the front line.
- Basic Credit skills.
- Excellent sales/networking & relationship management.
- Credit Appraisal & Analysis skills & portfolio quality control.
- Good understanding of the SME Segment.
- Excellent interpersonal and negotiating skills are required.
- Ability to analyze business risk.
- Ability to manage a portfolio of customers with different business needs.
- Strong Communication & presentation skills.
- Excellent selling skills.
- Problem-solving skills.
- Drives to accomplish important outcomes & achieve results.
- Thinks deeply, logically, and analytically.
- Represents dfcu by going the extra mile to serve customers and upholding the organisation’s interests.
- Deliberately adjusts behaviour and style to influence and communicate effectively.
- Takes initiative to build relationships with others; able to see things from someone else’s point of view and empathise.
- Courageously identifies opportunities for improvement; generates ideas and takes independent initiative.
INVITATION
If you believe you meet the requirements as noted above, please forward your application with a detailed CV including your present position and copies of relevant professional/academic certificates, to the email address indicated below:
Deadline: Monday 26th August 2024. Only short-listed candidates will be contacted.
dfcu Bank is an equal opportunity employer. We do not discriminate based on religion, age, citizenship, marital or family status, disability, or gender. Please note that all recruitment terms and conditions in the HR Policies and Procedures Manual shall apply.
