Job Title : Business Banker (2)
Reports to : Relationship Manager
Location : Central, North, or South
JOB PURPOSE
To execute business strategy by ensuring financial sustainability of the bank through new customer acquisitions, monitoring and ensuring usage, retention and compliance. Activities will be mainly driven by relationship management to ensure growth in liabilities and assets respectively. To manage a given portfolio by effectively engaging with customers through visits and regular account management. Find customer needs, sell related products to retain him/her while growing LPB business.
DUTIES AND RESPONSIBILITIES
Customer
• 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;
• Creates value for LPB customers;
• Adopts service culture according to LPB service standards.
Internal Business Processes
• Executes daily activities and initiatives in line with LBP strategy to achieve set goals;
• Plans, Manages and executes daily business activities in accordance with policies and procedures;
• Origination, credit fulfilment and portfolio management (Lending support and credit risk management);
• Ensures regular review /development of policies and procedures to ensure customer service needs are considered;
• Adheres to set turnaround time on business loans and general customer service;
• Regular reporting of portfolio performance to management.
Financial
• Achieves an optimal balance between the customer’s needs, growth and profitability to the
Bank, the risks involved, resources and capital adequacy, while improving cost effectiveness;
• Develops strategies and tactics to grow market share by identifying opportunities to acquire
customers in collaboration with internal business partners;
• Achieves set targets;
• Ensures quality loans to reduce NPL’s;
Acquires new customers to grow business base through presentations, forums, marketing initiatives etc.
People Management
• Ensures continuous Performance Management;
• Motivation and development;
• Ensures high level of staff engagement and motivation;
• Ensures effective teamwork and collaboration with all business partners.
EDUCATIONAL REQUIREMENTS
• Degree in Business related field;
• Knowledge of general banking practices, processes and procedures;
• Experience in business banking is an added advantage;
• At least two (2) years in a sales related role;
• 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