Personal Bankers at Gulf African Bank

Reports to:  Branch Manager

Job Purpose:

Reporting to the Branch Manager,

The Personal Banker will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.
 
Key Responsibilities

• To ensure growth of Branch Middle Retail portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Retail sales officers and lead generation.
• To actively generate referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity. 
• To ensure acquisition of customers to digital channels.
• To effectively manage and expand the relationships with existing Retail banking clients and bringing in new business  from existing portfolio so as to ensure business growth and continuity.
• To Grow Middle Retail customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships. 
• To ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Manager. 
• To monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs.
• To advise customers of maturing fixed deposits for appropriate action and with the aim of retaining the deposits.
• To assist in Resolving client queries in a timely and appropriate manner.
• To assist in collaborating with product specialists, to deliver effective customer solutions.
• To Ensure Fulfillment of minimum customer relationship touch points – e.g. 1 visit every quarter and 1 call and email a month depended on customer segment. 
• To Prepare and submit all reports that may be required by the management summarizing individual and team loan activity.
• To Ensure all customers are on-boarded on a digital platform i.e. GABPesa, Internet Banking.
• To Ensure Product per Customer of 3 across the portfolio.
• To have clear understanding of relationships, their life-cycles and the various product offerings that can be given to the customer.
• To evaluate credit proposals and ensure the credit applications process on a timely basis within   the bank’s set turnaround times.
• Obtaining account opening documentation from new customers 
• Opening of accounts for customers in the system and ensuring minimum required information is captured and customer is provided with a CIF number.
• Following up with customers in the portfolio for missing information
• Maintaining/ Updating customer data  on parameters such as Business turnover/ directors details etc
• Prudently manage asset book and ensure minimum portfolio at Risk.

Qualifications, Experiences & Personal Attributes Qualifications  Bachelor’s degree in a Business related field
 
Experience

• Experience in Banking and a good knowledge of bank products
• 3 year experience in managing clients
• Excellent interpersonal skill
• Excellent communication and presentation skills

Personal attributes

• Deciding and Initiating Action
• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking
• Persuading and Influencing
• Planning and Organizing
• Presenting and Communicating Information
• Networking skills