Job Title: Business Banker
Organisation: Stanbic Bank
Duty Station: Cham Towers, Kampala, Uganda
Job ID: 11955
About US:
Stanbic Bank
Uganda Limited is a subsidiary of Stanbic Africa Holdings Limited which is in
turn owned by Standard Bank Group Limited (“the Group”), Africa’s leading
banking and financial services group. The Standard Bank Group is the leading
banking group focused on emerging markets. It is the largest African banking
group ranked by assets and earnings. Stanbic Bank Uganda Limited is the largest
bank in Uganda by assets and market capitalization. It offers a full range of
banking services through two business units; Personal and Business Banking
(PBB), and Corporate and Investment Banking (CIB).
Uganda Limited is a subsidiary of Stanbic Africa Holdings Limited which is in
turn owned by Standard Bank Group Limited (“the Group”), Africa’s leading
banking and financial services group. The Standard Bank Group is the leading
banking group focused on emerging markets. It is the largest African banking
group ranked by assets and earnings. Stanbic Bank Uganda Limited is the largest
bank in Uganda by assets and market capitalization. It offers a full range of
banking services through two business units; Personal and Business Banking
(PBB), and Corporate and Investment Banking (CIB).
Job Summary: The Business
Banker will be responsible for developing and maintaining sound business
relationships with our SME business customers while providing a high level of
customer service for Stanbic Bank.
Banker will be responsible for developing and maintaining sound business
relationships with our SME business customers while providing a high level of
customer service for Stanbic Bank.
Key Duties and Responsibilities:
1.
Customer Service:
Customer Service:
·
Adhere to the service standards and provide
excellent customer service
Adhere to the service standards and provide
excellent customer service
·
Receive and verify customer documents for account
opening, facilities, account amendments and any other customer instruction
according to laid down procedures
Receive and verify customer documents for account
opening, facilities, account amendments and any other customer instruction
according to laid down procedures
·
Carry out a needs analysis for business customers
within portfolio and match with an appropriate business banking solution
Carry out a needs analysis for business customers
within portfolio and match with an appropriate business banking solution
·
Serve as the primary point of contact for all
information and queries related to their portfolio and refer any unresolved
issues to the relevant function
Serve as the primary point of contact for all
information and queries related to their portfolio and refer any unresolved
issues to the relevant function
·
Drive the use of alternative self service banking
channels
Drive the use of alternative self service banking
channels
·
Responsible for customer retention through on
boarding process, customer visits, relationship management and any other
intervention
Responsible for customer retention through on
boarding process, customer visits, relationship management and any other
intervention
·
Fully inform customers of their rights and
obligations to the bank (i.e. product pricing, facilities terms &
conditions and transactional fees)
Fully inform customers of their rights and
obligations to the bank (i.e. product pricing, facilities terms &
conditions and transactional fees)
·
Routinely notify customers regarding the
approval/decline of credit loan facilities, keep customers informed throughout
the process and advise the customer of alternative options in case of a decline
Routinely notify customers regarding the
approval/decline of credit loan facilities, keep customers informed throughout
the process and advise the customer of alternative options in case of a decline
·
Timely and accurate loan origination for all
customer applications within ones portfolio
Timely and accurate loan origination for all
customer applications within ones portfolio
·
Resolve bottlenecks in the loan process and
constantly interact with the credit department/or relevant department for
timely disbursement
Resolve bottlenecks in the loan process and
constantly interact with the credit department/or relevant department for
timely disbursement
2.
Sales:
Sales:
·
Adhere to the Sales High 5 standards
Adhere to the Sales High 5 standards
·
Acquire new business relationships and accounts
Acquire new business relationships and accounts
·
Grow the portfolio balance sheet as per set targets
Grow the portfolio balance sheet as per set targets
·
Keenly analyze existing customer data to identify
expansion and/or additional business opportunities using available MIS or
contact management strategy
Keenly analyze existing customer data to identify
expansion and/or additional business opportunities using available MIS or
contact management strategy
·
Cross sell business banking products to our existing
customers (i.e. VAF, NBOL, Trade and Foreign exchange)
Cross sell business banking products to our existing
customers (i.e. VAF, NBOL, Trade and Foreign exchange)
·
Steer sustainable profitability for the portfolio as
per set sales budget
Steer sustainable profitability for the portfolio as
per set sales budget
·
Develop and execute a sales activity plan and client
calling schedule in line with the Customer Value Proposition (activity
schedules and call reports)
Develop and execute a sales activity plan and client
calling schedule in line with the Customer Value Proposition (activity
schedules and call reports)
·
Carefully manage and monitor concessions to prevent
revenue leakage
Carefully manage and monitor concessions to prevent
revenue leakage
·
Explain credit loan facility options and qualifying
criteria to customers; and support customers in the completion of credit
application information requirements
Explain credit loan facility options and qualifying
criteria to customers; and support customers in the completion of credit
application information requirements
3.
Risk and Control:
Risk and Control:
·
Manage credit and operational risk in account
opening and loan processing
Manage credit and operational risk in account
opening and loan processing
·
Manage the loan portfolio by active participation in
watch list meetings, monitor/manage pre-Non Performing Loans (NPLs) and fully
recover bank funds
Manage the loan portfolio by active participation in
watch list meetings, monitor/manage pre-Non Performing Loans (NPLs) and fully
recover bank funds
·
Adhere to the KYC policies and guidelines for both
account opening and loan origination documents
Adhere to the KYC policies and guidelines for both
account opening and loan origination documents
·
Accountable for all facilities originated in the
portfolio
Accountable for all facilities originated in the
portfolio
·
Actively monitor and action daily
referrals/validation reports within set timelines
Actively monitor and action daily
referrals/validation reports within set timelines
·
Manage all audit and risk parameters for the business
banking processes and documents within portfolio.
Manage all audit and risk parameters for the business
banking processes and documents within portfolio.
·
Quickly resolve all audit and risk findings within
agreed timelines.
Quickly resolve all audit and risk findings within
agreed timelines.
Qualifications, Skills and
Experience:
Experience:
·
The ideal candidates for the Business Banker Job
should hold a degree in Business and /or related field (Commerce/Finance
/Marketing /Sales /Economics)
The ideal candidates for the Business Banker Job
should hold a degree in Business and /or related field (Commerce/Finance
/Marketing /Sales /Economics)
·
A minimum of two years’ banking experience
A minimum of two years’ banking experience
·
Detailed knowledge and understanding of the
financial services regulatory framework and banking policies and procedures
Detailed knowledge and understanding of the
financial services regulatory framework and banking policies and procedures
·
Credit knowledge, including an understanding of
securities and balance sheets
Credit knowledge, including an understanding of
securities and balance sheets
·
Strong sales acumen
Strong sales acumen
·
Detailed understanding of the Business Banking
market and how businesses in this sector operate
Detailed understanding of the Business Banking
market and how businesses in this sector operate
·
Broad knowledge of the Business Banking Processes
(such as opening accounts)
Broad knowledge of the Business Banking Processes
(such as opening accounts)
·
Comprehensive knowledge and understanding of
competitors, their products and services
Comprehensive knowledge and understanding of
competitors, their products and services
·
Past experience in cross-selling and the ability to
meet set targets
Past experience in cross-selling and the ability to
meet set targets
·
Social confidence and the ability to quickly build
rapport
Social confidence and the ability to quickly build
rapport
·
Excellent problem- solving and decision-making
skills
Excellent problem- solving and decision-making
skills
·
Good planning and organizational skills
Good planning and organizational skills
How to Apply:
All candidates
who wish to join the one of Africa’s biggest Banking Groups, Standard Bank in
the aforementioned capacity are encouraged to Apply Online by visiting Link
below.
who wish to join the one of Africa’s biggest Banking Groups, Standard Bank in
the aforementioned capacity are encouraged to Apply Online by visiting Link
below.
Deadline: 14th August, 2015
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