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 Job Title:    Personal Banker (6 Jobs)

Organization:  DFCU Bank

Duty Station:  – Ntinda II, (Tuskys Building)
Ntungamo, Ishaka, Ibanda, Kisoro, Iganga (6 Positions), Uganda

Reports to: Branch Manager

 

About US:

DFCU Bank is a fast growing commercial bank offering a variety of
innovative products and services. DFCU Limited was started by the Commonwealth
Development Corporation (CDC) of the United Kingdom and the Government of
Uganda through the Uganda Development Corporation (UDC) under the name of
Development Finance Company of Uganda Limited. Later restructuring brought in
DEG (of Germany) and International Finance Corporation (IFC) as equal partners
with CDC and UDC, each having a 25% stake in the company. Its objective was to
support long-term development projects whose financing needs and risk did not
appeal to the then existing financial commercial lending institutions.

 

Job Summary:  The Personal
Banker will be responsible for growing the personal asset and liability
portfolio of the branch by providing proactive and efficient personal
relationship banking service to a portfolio of clients in accordance with the
laid down procedures.

 

Key Duties and
Responsibilities:

·        
Grow the
personal asset and liability portfolio of the branch in order to achieve the
sales targets.

·        
Appraise
loan applications making sure that they meet the set standards and credit
requirements using the prescribed score cards 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 personal banking clients by reviewing their portfolio
to determine potential cross sells and proactively recommend new products to
them.

·        
Conduct
regular face-to-face customer visits, site visits, recognition initiatives and
write updated call report for each visit as per agreed standard in agreed
targets for customer retention.

·        
Receive
and verify customer documents for account opening, facilities, and other
customer instructions according to the laid down procedures.

·        
Timely
notification of customers in regard to their loan approvals/declines of credit
facilities and advise alternative options in case of a decline for customer
satisfaction.

·        
Identify
areas of concern/potential fraud and develop appropriate remedial
processes/systems, which encompass both the operational and financial aspects
of risk management.

·        
Monitor
the portfolio performance and ensure that PAR and NPA is kept within the
acceptable limits to avoid losses.

·        
Manage
credit and operational risk in account opening and loan processing to avoid
fraud and losses.

·        
Onboard
new customers on alternate 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.

 

Qualifications, Skills and
Experience:

·        
The DFCU
Personal Banker job must hold a Bachelor’s degree.

·        
At least
three years banking experience of which 2 should be at the front line.

·        
Excellent
sales, networking, and relationship management skills.

·        
Strong
communication and presentation skills.

·        
Strong
understanding of credit principles and guidelines.

·        
Strong
understanding of bank products and ability to propose the investment options.

·        
Ability
to manage a portfolio of customers with different business needs.

·        
Excellent
analytical skills.

·        
Good
understanding of both business and personal banking.

·        
Excellent
interpersonal and negotiating skills required.

·        
Industry
and business awareness.

·        
Excellent
selling and negotiation skills.

·        
Good
communication and presentation skills.

·        
Problem
solving skills.

·        
Customer
centric.

·        
Motivated,
flexible, and ready to work under pressure.

·        
Able to
convey factual information clearly.

·        
Ability
to multitask.

 

How to Apply:

All suitably qualified and interested candidates are encouraged to
send applications with detailed CV’s including present
position and copies of relevant professional/academic certificates (University
Transcript, O and A level) to the email address indicated below;
Vacanciesbank@dfcugroup.com

 

Deadline: 30^th November
2020

 

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