Job Title : Account Analyst
Reports to : Relationship Manager
Location : Maseru
JOB PURPOSE
To support Relationship Manager to determine the strategic direction for financing initiatives within the Bank with the aim to ensure increased customer satisfaction and profitability.
DUTIES AND RESPONSIBILITIES
Customer
• Provides a professional second face office-bound point, for a portfolio of Business and Commercial relationships/clients;
• Performs a liaison role between the Customer, and all other internal support divisions of the Bank;
• Educates clients regarding the parameters and routine procedures governing complex but standard business and commercial product, solution and service offerings;
• Mining i.e. investigating and understanding customers’ portfolio data to identify opportunities for additional facilities.
• Explains, promotes and cross & up sells additional value adding solutions to existing customers.
Internal Business Processes
• Executes daily activities and initiatives in line with LBP strategy to achieve set goals;
• Origination, credit fulfilment and portfolio management (Lending support and credit risk management);
• Interprets business and financial information e.g. consolidated balance sheets, complex financial statements and management accounts with inter-company loans and borrowings and etc, to prepare and motivate credit applications in line with Credit requirements;
• Completes annual credit reviews for the portfolio timely;
• Completes all requests of a Credit or Collateral (Security) nature on behalf of the client, in consultation with the Relationship Manager;
• Provides timely and accurate management reports as requested.
Financial
• Ensures LPB profitability and financial sustainability;
• Increases balance sheet of assigned portfolio;
• Closes business deals to meet daily, weekly, monthly, quarterly and annual sales targets;
• Drives sales with the ability to negotiate the terms of an agreement and close sales.
• Increases business market share.
Learning and Growth
• Stays informed of macro and micro economic conditions;
• Stays abreast with market and competitive trends;
• Takes action and provides feedback on market and competitive developments;
• Prepares, manages and tracks own personal development plans (PDP).
EDUCATIONAL REQUIREMENTS
• Degree in Business related field
• Knowledge of general banking practices, processes and procedures;
• Experience in a sales environment is an added advantage;
• Numerical skills and financial acumen to interpret and evaluate financial statements, balance sheets, ratios and cash flow cycles;
GENERAL KNOWLEDGE, SKILLS AND ABILITIES
• Decision making, Problem solving, Analytic thinking, Leadership and management skill, Selfdriven, energetic and motivated, Positive attitude and confidence, Good communication and negotiation skills, Results orientated, Strategic thinking, Integrity and honesty, Interpersonal
skills
How to Apply
Applications (including names of three referees) accompanied by certified copies of relevant certificates should be emailed to [email protected]/ or to [email protected] or hand delivered to:
Human Resources Department
Lesotho PostBank
Mafike House, 1st Floor
Maseru Lesotho
The closing date for submission of applications is 18th December 2020.
DISCLAIMER: ONLY SUCCESSFUL CANDIDATES WILL BE CONTACTED