Job Purpose
- Provide support to the Business Bankers in originating credit applications, servicing customers, attending to customer queries, providing credit administration support and identifying customer needs and refer accordingly.
- To support the Team Leader and Business Bankers in meeting sales and service targets within their respective portfolios.
Key Responsibilities/Accountabilities
- Contact customers, where necessary or refer to the applicable product owners to provide feedback or follow up on requirements from customers
- Interact with customers to obtain and analyse financial material, (i.e., debtors lists, management accounts, cash flow budgets), in terms of agreed covenants (as required for portfolio management)
- Cross-sell products and services re-actively and pass leads on to the Business Banker and Team Leader
- Contribute to the achievement of sales budget.
- To provide an overall administrative and credit management responsibility for BizDirect
- Accurately and efficiently collates and checks collateral documentation and mandates for banking facilities
- Support Business Banker and Team Leader to resolve customer queries where necessary
- Monitors daily excesses to ensure that customer facilities are managed within the parameters set by Credit
- Manages the credit limits (i.e. ensuring that limits are timeously renewed) (portfolio management)
- Manages the timeous regularisation of facilities letters and conditions of approval
- Ensures the timeous completion of all reviews and compliance with general banking credit policies and procedures
- Ensure timeous disbursement of all new credit facilities
Minimum Qualification and Experience
- CA, GA, Bcomm Accounting or any equivalent qualification.
- 1-2 years banking experience.
- Relationship Banking (Business Banking) experience will be an added advantage
- Knowledge of Business banking credit process.
- Knowledge of the banks’ products and services
- Knowledge of credit principles.
- Knowledge of the banks’ products and services
Knowledge/Technical Skills/Expertise
- Understanding of business economics and the current business economic environment
- Financial Acumen:
- Good knowledge of Business Banking transactional administration processes and procedures
- Experience as a Business Assistant to gain exposure to lending principles and customer servicing
- Customer Understanding
- Product Knowledge
- Developing Relationships