Job Opportunities at Rose Avenue Group

Job Responsibilities

• Develop the branch plan in alignment with the overall Consumer Banking strategy to achieve the budgeted targets and revenue growth within the set timelines.
• Monitor the daily performance of the Branch through financial reports on actual achievement versus target so that areas of unsatisfactory performance are identified and rectified promptly through uplifting team productivity.
• Focus on attracting new customers to bank in different segments (Wealth, Plus, Business Banking...etc) with quality portfolios and customer profiling requirements based on the bank’s strategy.
• Conduct joint sales calls with different branch staff to meet current / prospect key customers with the purpose of marketing a wide range of bank’s products, cross selling and deepening the relationship with those key customers.
• Compare the Bank’s different products and services against competitors to understand market trends and recommend changes that increase the bank’s competitive edge & increase market share.
• Authorize the processing of the secured assets facilities in addition to the Payroll Unsecured facilities application through the branch based on the authorized limit as part of their p privilege by reviewing, assessing, validating and liability any other required checks to all the relevant documents of all requests.
• Ensure that all the authorized cases should be within the delegation authority matrix and the authorization must be post the documents review and customer’s data validation on CRM
• Promote and drive customer migration to more cost effective alternative delivery channels, to reduce cost and maximize efficiency.
• Maximize revenue through increasing fee generation, reducing operating costs and maintain the cost to income ratio within the limits set by the Consumer Management.
• Ensure that all Service standards set by the bank are applied by Branch staff.
• Ensure that all sales activities and customer interactions are logged on CRM
• Ensure that his/her team is acting on CRM leads generation by contacting and converting opportunities within predefined TAT and conversion/contact rate.
• Manage the Branch lobby traffic to reduce waiting time, interact with customers to ensure that the lobby is well handled, directed, are tended to in high traffic hours making sure that customers have positive feedback before they leave the branch premises, as well as managing any customer dissatisfaction.
• Ensure the customer complaints are handled at first point of contact with full ownership, escalating the case to relevant departments if requested and provide prompt feedback to Customers in a timely manner.
• Monitor the customer attrition rate, analyse the reasons and work on action plans to reduce attrition rate and retain valued customers.
• Ensure accuracy and completeness of Branch documentation, readily accessible on file, incorporating necessary analysis and checking to ensure correctness of data and adherence to set processes.
• Authorize the processing of the secured assets facilities application through the branch as part of their prerogatives by reviewing, assessing, validating and liability any other required checks to all the relevant documents of all requests.
• Declare full adherence of secured facilities credit risk policy and procedure by ensuring reviewing and validating all the required checks such as: Legal Negative List, Collection List and Fraud List, Original and Scanned Documents, CBE Negative List and CBE Code List, FC- Sanctions screening lists. loan purpose and etc.
• Secured facilities authorization must be within the approved delegation matrix in order to proceed with the line facility booking
• Adhere to the bank Operating and Credit policies and procedures to minimize operational errors and losses.
• Rectify any Audit comments timely to mitigate any potential risk, ensuring the identification of the root cause to avoid future re-occurrence
• Declare full adherence of Payroll Unsecured / secured facilities credit risk policy and procedure by ensuring reviewing and validating all the required documents such as: Legal Negative List, Collection List and Fraud List, Original Scanned Documents, CBE Negative List and CBE Code List, loan purpose, Direct Debit and etc.
• Efficient implementation of the new hire on boarding process, providing staff with the requested coaching, training, logistics...etc.
• Setting the training plans for all staff in the branch with related department heads and ensure the efficiency of the training to business and implementation of training by trained employee.
• Implement effective and efficient rotation plan among the employees to increase the staff knowledge and create different levels of management and exchange knowledge at the branch level.
• Ensure the effective achievement of Branch objectives through careful objectives setting, managing performance, developing, coaching and motivating staff, assisting career development, providing formal and informal feedback and appraisal in order to maximize overall performance
• Ensure clear communication of the bank's vision and strategy to all staff and explain how the branches contribute in achieving the overall bank’s objective
• Ensure compliance with all relevant CBE regulations, banking laws, AML regulations and internal bank policies and code of conduct in order to maintain bank’s legal position and mitigate potential risk.
• Ensure full adherence and Implementation of the bank’s policies, procedures and controls covering Branch operations, Security information, confidentiality.

Other Requirements

• Bachelor’s degree of Commerce, Business Administration, Accounting or its equivalent.
• Minimum 8 years of relevant banking experience of which minimum 3 years should be in a Branch Manager or Premier Centre Manager position
• Excellent command of English, written and spoken
• Complete Knowledge of KYC, AML and compliance requirements
• Leading and Supervising Skills
• Planning and Organizing
• Thorough knowledge of branch budgeting and costing
• Strong Understanding of the market and competitor’s offerings
• Strong Portfolio management & Networking
• Client Focused & Target Oriented

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Job Responsibilities

Sales & Service

• Manage efficiently the portfolio of customers designated, Acquire NTB customers, enrol and upgrade existing customers along with cross selling all exclusive products to the customers, to increase portfolio penetration and to achieve his/her set target and meet the annual approved plan
• Review reports provided from the Quality Assurance Department & Call Centre which indicates the level of services & rate of complaints, then ensure that any Wealth customer complaint is solved as well as striving for achieving the best in class service through professional customer handling.
• Track Wealth customers’ inflows & outflows on a daily basis and contact customers to seek information behind un expected behaviours.
• Handle all account opening & its related operations process including system input & data entry.
• Ensure that the work area is maintained in good condition and that product marketing material is available, prominently displayed and updated
• Provide best in class service level to the portfolio while ensuring efficient reachability and contacting all existing customers in portfolio in predefined time manor.
• Log on CRM all sales activities & customer interactions.
• Act on CRM leads generation by contacting and converting opportunities within predefined TAT and conversion/contact rate.
• Execute sales plan that ensure performance efficiency vs. Target and exceed productivity benchmark.
• Introduce and promote alternative channels to customers to support achieving digital offloading strategy.

Reporting, Communication & Coordination:

• Respond positively & diligently to colleagues and coordinate and communicate effectively with branch staff and support units to ensure that customers’ requests are processed timely and efficiently.
• Ensure that the required awareness about the value proposition is provided to Branch Managers & all Branch Staff in order to create quality referrals.
• Develop knowledge and information about competitor activity, pricing and tactics and communicate with the Wealth District Head & the Wealth Segment Management to ensure CIB’s edge within the market.

Policies, Processes and Procedures

• Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner.

Day-to-day management

• Implement the day-to-day operations assigned for the Branch to ensure compliance with the established standards and procedures.

Compliance

• Comply with all relevant CBK regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks.

Other Requirements

• A Bachelor’s degree in a business-related field.
• Minimum 5 years’ Banking Relationship Management experience (Relationship Manager) in consumer banking and/or commercial banking, with a proven top-performance record.
• Ideal candidate will have sales/wealth management experience working in Tier 1 or Tier 2 banks.
• Great knowledge and understanding of products pertaining to High Net Worth customers and/or Corporates.
• Sales-driven and Achievement Oriented i.e. strives to achieve results and enjoys being judged on performance standards.
• Analytical/data-driven/numerical skills
• Strong Networking skills and Street Smart
• Strong Problem-Solving skills i.e. critical thinking, decision-making, creative
• Strong Relationship Management skills.
• Excellent Communication and Interpersonal skills: Ability to build rapport easily with customers, and have the ability to work individually and as part of a team.
• Personal Ethics: Must be honest, fair, just but firm with himself, and of high integrity.