DFCU Bank
Banking + 2 more
Description
Requirements
- Bachelor’s Degree.
- At least 3 years Banking experience of which 2 should be at the front line.
- Financial Management skills.
- Excellent sales/networking and relationship management skills.
- Strong communication and presentation skills.
- Good understanding of credit principles and guidelines.
- Exceptional products knowledge and ability to propose the investment options.
- Ability to analyse business risk.
- Ability to manage a Portfolio of customers with different business needs.
- Excellent analytical skills.
Responsibilities
- Manage relations with the Pinnacle portfolio on a layered basis for business growth and to achieve relationship management 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 the Pinnacle customers 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.
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