Our vision is to be the leading financial services organization in, for and across Africa, delivering exceptional client experiences and superior value. This sets the primary goals and standard of excellence we intend to achieve in the medium term. With a heritage of over 150 years, we have an on-the-ground presence in 20 countries in sub\u2011Saharan Africa; fit-for-purpose representation outside Africa; and a strategic partnership with the Industrial and Commercial Bank of China (ICBC).<\/p>\n
In line with the realities of risk, regulation, technology, and competition that characterize our operating context, we continue to invest significantly in our diversified operations; our people and culture; our systems and infrastructure; and our brand. In doing so, we understand that our commercial success and social relevance over the long term depends on placing our clients at the center of everything we do, and ensures that the outcomes of our activities are a catalyst for growth on this continent we call home.<\/p>\n
Job Description<\/strong><\/p>\n Job Title: SME Business Manager<\/strong><\/p>\n Job Purpose<\/strong><\/p>\n Key Responsibilities\/Accountabilities<\/strong><\/p>\n Profitable growth in Sales<\/strong> Customer service quality and efficiency<\/strong><\/p>\n \u2022 Providing proactive and superior customer service as measured by customer feedback\/customer satisfaction surveys, including Customer Evaluation of Bank Service (CEBS) surveys. Lending support and risk management<\/strong><\/p>\n \u2022 Utilise a comprehensive knowledge of lending products, and the client\u2019s business to recommend appropriate financing options and solutions to clients. Legislative compliance<\/strong><\/p>\n \u2022 Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice. People management<\/strong> Knowledge\/Technical Skills\/Expertise<\/strong> Our vision is to be the leading financial services organization in, for and across Africa, delivering exceptional client experiences and superior value. This sets the primary goals and standard of…..<\/p>\n","protected":false},"author":6721,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_newsletter_tier_id":0,"footnotes":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[159],"tags":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p2nO32-6zL","_links":{"self":[{"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/posts\/25281"}],"collection":[{"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/users\/6721"}],"replies":[{"embeddable":true,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/comments?post=25281"}],"version-history":[{"count":0,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/posts\/25281\/revisions"}],"wp:attachment":[{"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/media?parent=25281"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/categories?post=25281"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joblistghana.com\/wp-json\/wp\/v2\/tags?post=25281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
\n\u2022 Explains, promotes, sells and\/or customises a range of appropriate Standard\/Stanbic Bank product offerings\/financial solutions that meet the financial needs of SME customers.
\n\u2022 Proactively acquire new client relationships and opens new business accounts on a face-to face basis.
\n\u2022 Cross-sell additional value adding products and services to existing customers to assist them in growing their businesses.
\n\u2022 Identify and refers sales leads to business stakeholders, e.g. Vehicle and Asset Finance; Electronic Banking; Bancassurance, Global Markets, Trade Finance, Private Banking, CPL, etc.
\n\u2022 Analyses existing customer data to identify expansion and\/or additional business opportunities utilising available MIS and contact management strategy.
\n\u2022 Analysing SME portfolio potential and client share-of-wallet to build an effective sales pipeline.
\n\u2022 Serve as a preferred point contact for all new business leads referred by branches and other business units.
\n\u2022 Develops and implements a client-calling schedule in line with Customer Value Proposition (CVP).
\n\u2022 Ensure effective and appropriate pricing across all products.
\n\u2022 Carefully manage and monitor concessions to prevent revenue leakage.
\n\u2022 Formulate and ensure implementation of sales action plans for a portfolio of SME clients that will facilitate the achievement of business objectives.
\n\u2022 Research and analyze the local market to understand key business drivers, influences and competitor activity.
\n\u2022 Opportunity Management: Proactively seek to grow network of external clients i.e. Brokers, accountants, etc. with the view of continuously increasing lead sources and potential sales opportunities in market
\n\u2022 Identify strengths and weaknesses in the local SME market and ensure that suitable tactics are implemented to address concerns and maximize strengths.
\n\u2022 Ensure effective Business\/Personal interplay between SME and other relevant stakeholders i.e. Private banking, Expert suites etc. to maximize sales opportunities and leads.
\n\u2022 Ensure regular feedback around sales figures, sales initiatives, and client contacts (calling programs and visits) to Head, Enterprise Banking.
\n\u2022 Identifies opportunities to migrate top-end relationships to Commercial or Corporate Banking.<\/p>\n
\n\u2022 Provides central information\/ query service point for the portfolio.
\n\u2022 Performs a liaison role between customers and back – office service fulfillment and credit functions.
\n\u2022 Interacts with clients and conducts a needs analysis to assist clients to better understand their financial requirements.
\n\u2022 Accurately and efficiently processes customer mandates\/documentation requirements for banking facilities.
\n\u2022 Drives the use\/sale of alternative self-service banking channels.
\n\u2022 Educate customers on the benefits of utilizing self-service channels.
\n\u2022 Educate and refer clients to the Contact Centre where appropriate.<\/p>\n
\n\u2022 Explain credit loan facility options and qualifying criteria to customers.
\n\u2022 Support customers in the completion of credit application information requirements, e. g. balance sheets, financial statements and management accounts.
\n\u2022 Motivate and submit non-scored and scored credit applications.
\n\u2022 Notifies customers regarding the approval\/decline of credit loan facilities and keep customers informed throughout the process.
\n\u2022 Monitors daily referrals to ensure that client facilities are managed within the set parameters.
\n\u2022 Exercise discretion regarding account conduct based on a close knowledge and understanding of client activities.
\n\u2022 Plans and implements annual credit reviews for the portfolio.
\n\u2022 Applies risk based pricing models and manage concessions appropriately.
\n\u2022 Engage Quick Loan DSAs where relevant based on client needs to assist clients in completing Quick Loan applications.<\/p>\n
\n\u2022 Ensure complete disclosure to customers in terms of accreditation, service fees, and commission.
\n\u2022 Ensures the adherence to all internal risk related policies and guidelines, including KYC.
\n\u2022 Ensure proper record keeping in terms of local financial legislation and regulatory requirements.
\nOperational administration
\n\u2022 Follow-up with branch and processing centre\u2019s service teams to ensure that service level agreements are met regarding the quality of documentation submitted.
\n\u2022 Continuous interaction with Credit to ensure that all applications are processed within agreed timeframes and to also ensure that all bottlenecks in the application process is resolved.
\n\u2022 Timeously submit reworks and escalate adverse credit decisions in where justified.
\n\u2022 Maintaining sales scorecard and ensure correctness of information.
\n\u2022 Ensure a dormancy level of less than 5% for the portfolio.
\n\u2022 Ensure up-to-date contact details are recorded for all clients within the portfolio.<\/p>\n
\n\u2022 Responsible for inspiring, motivating, leading and managing the RM Assistant
\n\u2022 Ensures skills assessments and competency-based training takes place as and when required.
\n\u2022 Ensure poor performance is addressed appropriately.
\n\u2022 Conduct performance appraisals and direct the staff training and development plan.
\n\u2022 Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
\n\u2022 Takes personal responsibility for coaching and mentoring others.
\n\u2022 Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
\n\u2022 Encourages team members to express their views, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an ongoing basis.
\n\u2022 Develops and maintains an open communication channel with\u00a0 the RM Assistant to foster greater co-operation and teamwork – This includes regular one-on-one feedback sessions, conducting mid-year and final performance appraisal for the RM Assistant.
\n\u2022 Ensures that the RM Assistant is appropriately and consistently rewarded and recognised for his\/her achievements and outputs.
\n\u2022 Ensures that disciplinary action and grievances are addressed and aligned to the Standard\/Stanbic Bank policies and procedures.
\nPreferred Qualification and Experience<\/p>\n\n
\n\u2022 Comprehensive knowledge of Business Banking administration systems, procedures and processes.
\n\u2022 Thorough knowledge of all Business Banking products as well as Trade Finance and Forex.
\n\u2022 Thorough knowledge of Banking Legislation and its application in a sales context.
\n\u2022 Knowledge of the SME customer value proposition.
\n\u2022 Knowledge of Managing Local Markets sales principles and processes.
\n\u2022 Knowledge of sales and service delivery benchmarks and standards.
\n\u2022 Knowledge of risk management principles, the credit process and lending criteria.
\n\u2022 Knowledge of business economics and financial management principles.
\n\u2022 Financial acumen to manage budgets and cost to income ratios.<\/p>\n","protected":false},"excerpt":{"rendered":"