Relationship Officer - Liabilities

JOB PURPOSE

• Meet and exceed monthly and annual sales target objectives
• Ensure penetration in the market through focus on New To Bank acquisition as well as solicit existing clientele
• Do proper analysis of the case and provide all related information of the customer after the field visit is done
• Be familiar with all policies, products and processes to ensure superior client on boarding experience
• Proactively participate in Learning, Development and training programmes of the bank to be an effective sales personnel
• Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated

Revenues/ Budget:
Per KPI

Direct Reports: N/A

Indirect Reports: N/A

• Accomplish set sales and revenue objectives for all Products as per set business plan
• Achieve monthly & annual set KPI objectives
• Focus on New To Bank acquisition along with leveraging existing client base
• Leverage on cross sell opportunities to ensure higher revenue per customer
• Maintain Daily Sales Reports on sales performance for review by team leader and manager
• Be commercially effective and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience
• Ensure thorough knowledge of all product, policies and processes in order to achieve superior client on boarding experience
• Ensure no mis‑selling to customers by offering products/services transparently as per customer requirements
• Understand and resolve/escalate customer redresses to ensure timely resolution
• Participate in assigned People Development and L&D programmes; take accountability for own development by active enrolment and participation with close coordination with respective team
• Participate in assigned training, Learning & Development programmes
• Be aware of competition offerings and offer suggestions to line manager to improve product/processes
• Implement prescribed Sales & Compliance processes as per Bank's policies
• Adhere to Risk Control Assessment process across all areas of Business Banking Department – Selling, Client Onboarding, Fraud Control, Client Application & KYC Documentation etc
• Adhere to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all prescribed processes
• Ensure to bring quality and right customers to the franchise
• Discuss the cases with stakeholders and ensure support is provided

• Leadership & team management
• Good knowledge of BB products
• Service quality & customer handling skills
• Good computer skills – Excel, Word, Power Point
• Motivated & proactive approach
• Competitive and ability to work in multi‑cultural environment
• Ability to develop & strengthen relationship between team & customers
• Good knowledge of BB products, compliance policies & services
• NTB business development abilities

• Customer Insight and Market Research:
  Build a strong understanding of our portfolio, BB Customers’ unmet needs, and use these insights to develop value proposition strategy, conduct market research
• Presentation preparation and development:
  Develop written and verbal communications to inform and align with key decision makers and demonstrate real business impacts

Adherence to policies, processes, and procedures of the bank pertaining to health & safety

• Propose and recommend decisions as per the approved authorisation matrix
• Functions within the framework and boundaries of Group policies as well as overall organisational and governance frameworks