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16-Jul-2024 22-Jul-2024 Print
Permanent position in the Junior Management sector/job category.

1 - Achievement of all Sales Targets & Growth
• Sell, promote and Market the Banks Products and ensure that the following is achieved:
• Retention of existing clients
• Acquisition of new clients
• Reactivation of dormant client
• Achieve Sales Target as set by Management

2 - Performance of Sales Activities
• Promote and sell new products as the Bank introduce same from time to time
• Phone clients for sales (Tele-Sales)
• Generate Sales Leads
• Follow up and make appointments with prospective clients
• Follow up on status of workflow and applications being processed
• Keep the client informed at all times with regards to the loan application status

3 - Application Administration and Costs
• Capturing of Loan Applications
• Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
• Accurately capture all client information as per loan application and supporting documentation
• Suspend or reject loan applications to be re-quoted as and when required. Explain the Loan Application Process to facilitate client understanding of the process
• Explain Terms and Conditions of Banks Products to clients
• Issue copy of Contract / Agreement to Client
• Print loan agreement for client’s signature
• Correct altered loan application information sent for rework and reprint for client’s signature

4 - Sales Focus- Achieve branch growth, revenue and expense targets as defined by the bank
• Maintain responsibility for the branches Profit & Loss and Budget
• Determine the critical success factors for new customer acquisition and customer retention
• Demonstrate expert ability to leverage the banks products inclusive of technology offerings to uncover and deepen opportunity, using the various marketing tools available in branch to present product offers and financial solutions to existing and potential customers
• Work closely with Trade Area Manager on customer acquisition strategies and retention efforts and developing new marketing campaigns
• Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank
• Develop and execute market plan to achieve growth goals
• Ownership for sales life cycle-from lead generation to disbursement
• Engage in and promote all sales activities i.e. Check-Ins, Huddles
• Responsible for day to day sales activities inside and outside the branch
• Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries
• Ensure all staff achieve individual sales and service goals as assigned
• Work to maximise customer relationships across business lines
• Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities
• Develop existing business relationships and prospect within the community for new commercial business
• Maintain consistency and integrity of data
• Provides direction, guidance and quality assurance to Reps Under Supervision

5 - Risk & Compliance Management
• Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
• Identify, evaluate and monitor and make recommendations deemed necessary to the respective risk and compliance champion in order to assess, reduce, eliminate or control any current or prospective risks to the bank arising from violations of, or non-conformance with, laws, rules, regulations, prescribed practices, internal policies, procedures and ethical standards
• Responsible for implementing strategies to ensure operational integrity in the branch
• Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
1. Cash Management
2. People Management
3. Security Management
4. Asset Management
5. Compliance (NCA, Regulatory and Credit Policy)
6. General Operations
7. Risk Management
• Ensure completion of Monthly Branch Self Audit Programme
• Ensure Disaster Recovery capturing on monthly basis
• Ensure OHS checklist completion and filing
• Ensure quality assurance related to sound Manager Review practices
• Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
• Ensure Non Deal Excellence is managed within limits as set by the Bank
• Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

6 - People Management and Development
• Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
• Working with HR, interview, hire and terminate branch team members
• Conduct performance evaluations for all branch personnel
• Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
• Identify and work with High Potential branch staff in the achievement of their developmental goals
• Create a feeling of energy and excitement among team players. Promote the corporate vision and values
• Ensure 100% participation and support for all staff on Bank training and developmental initiatives
• Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

7 - Customer Service
• Create and maintain productive relationships with internal and external clients by providing advice and assistance
• Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations
• Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
• Build a positive image by exceeding client expectations at all times 5. Treat internal and external customers fairly at all times

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