Personal Banker - Loan DST

KEY RESULT AREAS
• Maintain the quality of applications brought in for satisfactory approval rates.
• Maintain Product mix to ensure profitability of business.
• Proactively work towards satisfying the needs of the customer.
• Ensure adherence to Credit and Policy guidelines in sourcing customers by maintaining quality of applicants and proper documentation.
• Manage bulk sourcing of customers from corporate sector and exploiting sales opportunities by translating them into fruitful business relationships.
• Follow the documentation policy guidelines while accepting the documents from the customer.
• Interaction with Team Leader regarding expectations and to ensure target achievements.
• 5 Operating Environment, Framework and Boundaries, Working Relationships
• Competitive, dynamic, volatile and regulated business environment with low entry / exit barriers.
• The job holder will be operating within well-defined and demarcated business areas and is required to adhere to the policies and guidelines set out in the Bank’s Credit Policy Manual.
• Candidate must effectively / actively liaise with his superiors and direct reports within the business unit to achieve business objectives.
• Works in an environment of daily reporting with six days working. 6 PROBLEM SOLVING
• Sales require understanding customers’ individual financial circumstances.
• Responsible for assisting staff and customers in achieving their goals and objectives. 7 DECISION MAKING AUTHORITY & RESPONSIBILITY
• Responsible for honestly assisting the customer in achieving his objectives through courteous and friendly service, accurate promises keeping within the service delivery standards set by the bank.
• Should have complete product & policy information to ensure necessary documents are provided by the customer before submission to ensure smooth TAT.
Classification: Internal Use
8 KNOWLEDGE, SKILLS AND EXPERIENCE
• Sales profile that require confidence, persistence, personality and verbal written
• Basic knowledge of products, service policies and processes of Retail Banking.
• Any discipline with1 year sales experience