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DFCU Bank
Banking + 2 more
Description
Reporting to the Branch Manager, the role holder is responsible for growing and maintaining the business asset and liability portfolio of the branch by offering business banking solutions to clients in accordance with the laid down procedures.
Knowledge, Skills & Experience Required:
- A Bachelor’s Degree.
- At least 3 years Banking experience.
- Strong credit skills.
- Excellent selling skills.
- Excellent sales, networking and relationship management background.
- Strong Communication and presentation skills, verbal and written.
- Credit Appraisal & Analysis skills & portfolio quality control.
- Good understanding of the business banking market.
- Good understanding of the Bank’s products.
- 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 the acceptable levels.
- 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 allocated customers by reviewing their portfolio to determine potential cross sell 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.
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