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Entry Level Customer Care Jobs - Business Banker at Stanbic Bank

Organisation: Stanbic Bank
Duty Station:  Jinja, Uganda
Job ID: 16879

About US:
Stanbic Bank Uganda Limited is a subsidiary of Stanbic Africa Holdings Limited which is in turn owned by Standard Bank Group Limited (“the Group”), Africa’s leading banking and financial services group. The Standard Bank Group is the leading banking group focused on emerging markets. It is the largest African banking group ranked by assets and earnings. Stanbic Bank Uganda Limited is the largest bank in Uganda by assets and market capitalization. It offers a full range of banking services through two business units; Personal and Business Banking (PBB), and Corporate and Investment Banking (CIB).

Job Summary:  The Business Banker will be responsible for developing and maintaining sound business relationships with our SME business customers while providing a high level of customer service for the Stanbic Branch.

Key Duties and Responsibilities:  
1. Customer Service:
·         Adhere to the service standards and provide excellent customer service
·         Receive and verify customer documents for account opening, facilities, account amendments and any other customer instruction according to laid down procedures
·         Carry out a needs analysis for business customers within portfolio and match with an appropriate business banking solution
·         Serve as the primary point of contact for all information and queries related to their portfolio and refer any unresolved issues to the relevant function
·         Steer the use of alternative self service banking channels
·         Ensure customer retention through on boarding process, customer visits, relationship management and any other intervention
·         Fully inform customers of their rights and obligations to the bank (i.e. product pricing, facilities terms & conditions and  transactional fees)
·         Notify customers regarding the approval/decline of credit loan facilities, keep customers informed throughout the process and advise the customer of alternative options in case of a decline
·         Timely and accurate loan origination for all customer applications within ones portfolio
·         Resolve bottlenecks in the loan process and constantly interact with the credit department/or relevant department for timely disbursement
2. Sales:
·         Adhere to the Sales High 5 standards
·         Acquire new business relationships and accounts
·         Grow the portfolio balance sheet as per set targets
·         Keenly analyze existing customer data to identify expansion and/or additional business opportunities using available MIS or contact management strategy
·         Cross sell business banking products to our existing customers (i.e. VAF, NBOL, Trade and Foreign exchange)
·         Drive sustainable profitability for the portfolio as per set sales budget
·         Develop and execute a sales activity plan and client calling schedule in line with the Customer Value Proposition (activity schedules and call reports)
·         Carefully manage and monitor concessions to prevent revenue leakage
·         Explain credit loan facility options and qualifying criteria to customers; and support customers in the completion of credit application information requirements
3. Risk and Control:
·         Manage credit and operational risk in account opening and loan processing
·         Manage the loan portfolio by active participation in watch list meetings, monitor/manage pre-Non Performing Loans (NPLs) and fully recover bank funds
·         Adhere to the KYC policies and guidelines for both account opening and loan origination documents
·         Accountable for all facilities originated in the portfolio
·         Actively monitor and action daily referrals/validation reports within set timelines
·         Manage all audit and risk parameters for the business banking processes and documents within portfolio. 
·         Quickly resolve all audit and risk findings within agreed timelines.

Qualifications, Skills and Experience:  
·         The ideal applicants for the Stanbic Bank Business Banker Jobs should hold degrees in Business and /or related field (Commerce/Finance /Marketing /Sales /Economics)
·         A minimum of two years banking experience
·         Broad knowledge and understanding of the financial services regulatory framework and banking policies and procedures
·         Credit knowledge, including an understanding of securities and balance sheets
·         Strong sales acumen
·         Broad knowledge and understanding of the Business Banking market and how businesses in this sector operate
·         Sound knowledge of the Business Banking Processes (such as opening accounts)
·         Understanding of competitors, their products and services
·         Experience in cross-selling and the ability to meet set targets
·         Social confidence and the ability to quickly build rapport
·         Strong problem- solving and decision-making skills
·         Excellent planning and organizational skills

How to Apply:
All candidates who wish to join the one of Africa’s biggest Banking Groups, Standard Bank in the aforementioned capacity are encouraged to Apply Online by visiting Link below.

Deadline: 10th May, 2016

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