Business Banker job at Housing Finance Bank

Background

Housing Finance Bank is the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance. To attain its strategic objectives efficiently and effectively, Housing Finance Bank is seeking to hire qualified, versatile, and self-driven individuals for the positions stated below:

Job Purpose:

• Provide a pro-active business banking sales and service management function that will retain and grow a portfolio of SME customers by identifying and implementing value-added and specialized financial product solutions from a range of standard and/or customized offering.

Key Result Areas:

• The Business Banker will ensure adherence to the service standards and provide excellent customer service.
• Receive and verify customer documents for account opening, loan facilities, account amendments and any other customer instruction.
• Acquire new business relationships and accounts while growing the portfolio balance sheet as per set targets
• Manage credit and operational risk in account opening and loan processing
• Manage the loan portfolio through active participation in branch Credit Committee meetings, monitor/ manage pre-Non-Performing Loans (NPLs) and fully recover bank funds.
• Develop and execute an operational plan to support the branch and the Bank’s overall business strategies while delivering targeted achievements on business and institutional client growth, fees/ commission, and interest income.
• Ensure the provision of adequate and efficient relationship management to business and institutional clients, in terms of quick transaction turnaround and resolution of their queries/problems.
• Provide timely professional direction/advice on all business and institutional client matters within the Branch/Bank.

Financial Responsibility:

Financials: Performance on the following variables.

• Transaction Disbursement Volumes
• New-to-Bank client acquisition
• Lending growth within targeted segments
• Liabilities growth within targeted segments
• Non-Interest Income (Fees and Commissions)
• Interest Income (on all business/institution-related lending disbursements): Yield and Margin
• Portfolio quality

Person Specification

Education & Training:

• A Bachelor’s Degree in Business Studies or a related field from a recognized university

Skills & Experience:

• A minimum of two years’ sales experience in branch business banking.
• Good knowledge of the Business Banking value proposition.
• Knowledge of risk management and credit principles of banking.
• Understanding of financial statements.
• Strong numeracy skills.
• Business and financial advisory skills.
• Credit and Financial Analysis skills.
• Strong communication skills.

Business Behaviours:

• Ability to adhere to all reporting and record-keeping requirements as outlined by Branch Management, head office stakeholders and duly mandated external parties to ensure compliance to internal and regulatory standards.
• Managing the end-to-end process for all account relationships opened and credit applications initiated to ensure a smooth deal flow whilst meeting / exceeding revenue targets
• Excellent inter-personal skills to enable interaction and the establishment of positive relationships with all Bank employees and support departments.
• Able to maintain professional internal and external relationships that meet the Bank’s core values.

• Ensure adherence to service standards and provide excellent customer service.
• Receive and verify customer documents for account opening, loan facilities, account amendments and any other customer instruction.
• Acquire new business relationships and accounts while growing the portfolio balance sheet as per set targets.
• Manage credit and operational risk in account opening and loan processing.
• Manage the loan portfolio through active participation in branch Credit Committee meetings, monitor/ manage pre-Non-Performing Loans (NPLs) and fully recover bank funds.
• Develop and execute an operational plan to support the branch and the Bank’s overall business strategies while delivering targeted achievements on business and institutional client growth, fees/ commission, and interest income.
• Ensure the provision of adequate and efficient relationship management to business and institutional clients, in terms of quick transaction turnaround and resolution of their queries/problems.
• Provide timely professional direction/advice on all business and institutional client matters within the Branch/Bank.
• Adhere to all reporting and record-keeping requirements as outlined by Branch Management, head office stakeholders and duly mandated external parties to ensure compliance to internal and regulatory standards.
• Manage the end-to-end process for all account relationships opened and credit applications initiated to ensure a smooth deal flow whilst meeting / exceeding revenue targets.

• Good knowledge of the Business Banking value proposition.
• Knowledge of risk management and credit principles of banking.
• Understanding of financial statements.
• Strong numeracy skills.
• Business and financial advisory skills.
• Credit and Financial Analysis skills.
• Strong communication skills.
• Excellent inter-personal skills.

• A Bachelor’s Degree in Business Studies or a related field from a recognized university.
• A minimum of two years’ sales experience in branch business banking.