The Ugandan Jobline

• Ensure an in-depth understanding of all
  customer in the portfolio
• Execute the Commercial Banking Customer Value
  Proposition (CVP), Industry Value Propositions (IVPs) and other
  agreed  initiatives
• Relationship and portfolio management
• Grow and retain a portfolio of high value
  Commercial Banking relationships
• Achievement of the financial and
  non-financial targets for the portfolio.
• Lending support and risk management
• Ensure legislative compliance
• People management

• Proactively acquire new client relationships
  and open new business accounts on a face-to face basis.
• Cross-sell additional value adding products
  and services to existing customers to assist them in growing their
  businesses.
• Identify and refers sales leads to business
  stakeholders, e.g. Vehicle and Asset Finance; Electronic Banking;
  Bancassurance, Global Markets, Trade Finance, Private Banking, CPL, etc.
• Analyses existing customer data to identify
  expansion and/or additional business opportunities utilising available MIS
  and contact management strategy.
• Analysing SME portfolio potential and client
  share-of-wallet to build an effective sales      pipeline.
• Serve as a preferred point contact for all
  new business leads referred by branches and other business units.
• Develops and implements a client-calling
  schedule in line with Customer Value Proposition (CVP).
• Carefully manage and monitor concessions to
  prevent revenue leakage.
• Formulate and ensure implementation of sales
  action plans for a portfolio of SME clients that will facilitate the
  achievement of business objectives.
• Identify strengths and weaknesses in the
  local SME market and ensure that suitable tactics are implemented to
  address concerns and maximize strengths.
• Ensure effective Business/Personal interplay
  between SME and other relevant stakeholder i.e. Private banking,
  Executive, Silver. to maximize sales opportunities and leads.
• Ensure regular feedback around sales figures,
  sales initiatives, and client contacts     
  (calling programs and visits) to Regional manager and SME Head.
• Identifies opportunities to migrate top-end
  relationships to Commercial or CIB.
• Promote and sell a range of banking product
  offerings and solutions that meet the financial needs of  customer base by leveraging off
  campaigns and leads generated from CCC and the Local markets initiatives
• Contacts potential and existing customers
  from leads provided to position the product or service offering based on
  the campaign brief including primary as well as cross-sell mix
• Acquire and open new business accounts and
  cross additional products and services according to customer needs by
  identifying and referring sales leads to other business stakeholders
  including Vehicle & Asset, Finance, Electronic banking, Card, Home
  loans and others
• Implement sales campaigns, techniques and
  tactics in a planned manner to achieve sales targets
• Proactively create business opportunities by
  engaging in Business development meetings and local markets initiatives
  sessions to understand key business drivers, influences and competitor
  activity

• Contacts potential and existing customers
  from leads provided to position the product or service offering based
• Answer/handle customer inquiries and requests
  across all mediums accurately and within agreed service times.
• Providing proactive and superior customer
  service as measured by customer feedback/customer satisfaction surveys,
  including Customer Evaluation of Bank Service (CEBS) surveys.
• Provides central information/ query service
  point for the portfolio.
• Performs a liaison role between customers and
  back – office service fulfilment and credit functions.

• Carry out Know Your Customer as per defined
  procedures and compliance requirements
• Conduct a needs analysis to identify customer
  needs effectively when selling advances or giving product advice, in line
  with regulatory requirements.
• Complete disclosure to the customers in terms
  of accreditation, service fees, and commission.
• Carry out a needs analysis to identify
  customer needs effectively when opening new accounts or giving product
  advice.
• Ensures the adherence to all internal risk
  related policies and guidelines, including KYC.
• Ensure proper record keeping in terms of
  local financial legislation and regulatory requirements.

• Utilise a comprehensive knowledge of lending
  products, and the client’s business to     
  recommend appropriate financing options and solutions to clients.
• Explain credit loan facility options and
  qualifying criteria to customers.
• Support customers in the completion of credit
  application information requirements, e. g. balance sheets, financial
  statements and management accounts.
• Motivate and submit non-scored and scored credit
  applications.
• Notifies customers regarding the
  approval/decline of credit loan facilities and keep customers informed
  throughout the process.
• Monitors daily referrals to ensure that
  client facilities are managed within the set parameters.
• Exercise discretion regarding account conduct
  based on a close knowledge and understanding of client activities.
• Plans and implements annual credit reviews
  for the portfolio.

• Responsible for the recruitment, development
  and retention of relevant skills in order to meet the business needs.
• Ensures the effective selection of staff by
  matching the skills and competencies to the requirements of the job.
• Ensures skills assessments and
  competency-based training takes place as and when required.
• Builds organisational capabilities through
  evaluating likely future requirements and ensuring that individuals are
  provided with the best possible development opportunities in line with
  these.
• Takes personal responsibility for coaching
  and mentoring others.
• Effectively delegates authority and
  responsibility, in line with business objectives, to ensure the
  empowerment, motivation and effectiveness of all direct and indirect
  reports.
• Promotes a culture where the values of the
  Bank are seen to be ‘alive’
• Ensures that disciplinary action and
  grievances are addressed and aligned to the Stanbic Bank policies and
  procedures.

• The applicant for the Stanbic Bank Business
  Manager job placement should hold a Bachelor of Commerce degree from a
  recognized university. Possession of a first degree in relevant field of
  study (Accounting, Finance, Credit etc.)
• A minimum of three to four years of related
  experience
• Previous experience as a Business
  Banker/managing a portfolio in the small business environment is
  preferable. This experience provides an understanding of how businesses
  operate, as well as understanding the business risks, industry risks and
  financial requirements pertaining to the SME market and/or previous
  experience as an Account Analyst responsible for servicing business
  clients and preparing Credit applications.
• Proven successful sales track record in the
  financial services industry.
• Comprehensive credit/risk management
  experience

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