Relationship Officer - Business Loans

JOB PURPOSE: · Meet and exceed monthly and annual sales target objectives · Ensure penetration in the market through focus on New To Bank acquisition as well as solicit existing clientele · Do proper analysis of the case and provide all related information of the customer after the field visit is done · To be familiar with all policies, products and processes to ensure superior client on boarding experience · To proactively participate in Learning, Development and training programmes of the bank in order to be an effective sales personnel · Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated KEY ACCOUNTABILITIES: This section shall not be customised to reflect accountabilities which may be unique to one role. Please use Section 5 to capture any accountabilities specific to the role which are over and above those mentioned in this section. Financial: Accomplish set sales and revenue objectives for all Products as per set business plan. · Achieve monthly& annual set KPI objectives · Focus on New To Bank acquisition along with leveraging existing client base · To leverage on cross sell opportunities to ensure higher revenue per customer · Maintain Daily Sales Reports on sales performance for review by team leader and manager assets Customers: Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience. · Ensure thorough knowledge of all product, policies and processes in order to achieve superior client on boarding experience · To ensure no mis selling to customers by offering products/services transparently as per customer requirements · Understand and resolve/escalate customer redresses to ensure timely resolution Learning & Growth: · To ensure participation in assigned training, Learning & Developemet programmes · Awareness to competition offerings and offer suggestions to line manager to improve product/ processes Internal Processes: Ensure implementation of prescribed Sales & Compliance processes as per Bank's policies. Implement governance & controls to proactively identify, manage and minimize/mitigate potential losses to the franchise within respective Area. · Adhere to Risk Control Assessment process across all areas of Business Banking Department - Selling, Client Onboarding,Fraud Control,Client Application & KYC Documentation etc · Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all prescribed processes · Ensure to bring quality and right customers to the franchise . · Discuss the cases with stake holders and ensure support is provided Specialist Skills required for the Job: Core Skills Technical Skills · Leadership & team management · Good knowledge of BB products · Service quality & customer handling skills · Good Computer skills; Excel, word, PP · Motivated & Proactive approach · Competitive and ability to work in multi cultural environment · Ability to develop & strengthen relationship between team & customers In person, telephone and email to communicate on matters/ reports related to the job. Team management and key deliverables JOB KNOWLEDGE, SKILLS AND EXPERIENCE · Requires good convincing and Negotiating Skills according to the complexity of business. · Continuous suggestions on Changes and ways of improving FAB Products. · To build and maintain effective business relationship with all colleagues. · Identify any cross Selling opportunity for Other Business Divisions of the Bank

Qualifications QUALIFICATIONS & EXPERIENCE: Business Loans experience is a must Education required : University Degree / MBA / PGDM / Sales diploma or certification preferable. Experience : 3 – 5  years of experience in Banking  or in a Financial Industry

Meet and exceed monthly and annual sales target objectives; ensure penetration in the market through New To Bank acquisition and by soliciting existing clientele; analyze cases and provide all related information after field visits; be familiar with policies, products and processes to ensure superior client onboarding; participate in learning and training programmes; ensure adherence to KYC, Compliance policies and other processes. Achieve sales and revenue objectives for all products; focus on New To Bank acquisition; leverage cross-sell opportunities; maintain daily sales reports. Deliver excellent customer service and onboarding experience; avoid mis-selling; resolve/escalate customer redresses; implement prescribed sales and compliance processes; maintain governance and controls to mitigate losses; adhere to Risk Control Assessment; ensure quality customers; discuss cases with stakeholders and provide support.