Job Summary:
The primary purpose of the role in Enterprise Banking is customer acquisition and service in line with the Bank’s compliance guidelines. The incumbent will be responsible for business development both with new customers and with existing customers where they are expected to increase “wallet share.” The jobholder will also be charged with ensuring appropriate introductions to the Relationship Manager where Enterprise Banking clients require specialist advice and support. He /she will also serves as an integral member of the Business Banking/Retail Team.
Key Duties and Responsibilities:
Sales and Service: 90%
The incumbent will be the primary focal contact for the opening of Enterprise Banking accounts, following the Bank’s recruitment policies and procedures.
Grow portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives.
Determine the products and solutions that are most effective in meeting customers’ needs and be able to sell these at short notice both reactively and proactively.
Proactively generate customer interest in products and services either by face-to-face (in branch and client visits), or telephone contact including following up leads provided by colleagues.
Originate and initiate client credit applications to the commercial credit team in line with the existing Barclays Africa SME lending guidelines. Clear delivery of lending decisions, demonstrating ownership of the decision, and exploration of alternative solutions to ensure appropriate matching of client needs is critical.
Carry out customer meetings that have well defined call objectives, desired outcomes and a well-constructed plan.
Actively communicate all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points
Handle and find amicable solutions to all customer complaints
Achieve and seek to exceed all agreed sales and servicing targets.
Serve as an active member of the Business Banking/Retail team, supporting branch based staff and others in the delivery of excellent customer service.
Business Management: 10%
Plan a personal campaign of sales activity around promotions or initiatives to meet personal objectives and targets.
Consult customer owners/managers on financial/ credit issues and general business practice/ideas.
Research, create and follow up on a target list for potential new business
Work closely with Relationship Managers, Associate Relationship Managers and Credit Managers to ensure that credit applications for new and existing facilities are correctly prepared in accordance with existing policies/guidelines
Embrace and support the management of change.
Update/maintain Customer Information and Contact History records.
Responsible for the continuous development of self and proactively share learning with others.
Responsible for recording and maintaining personal performance records.
In charge of control of the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies
Qualifications, Skills and Experience:
The applicants for the Barclays Enterprise Banker Jobs should be well versed with the Bank’s core set products
For Complex products, will have a detailed knowledge of the requirements of the more sophisticated customers
Exhaustive working knowledge of the products and services available in the SME Banking Sector is also required
Working knowledge of the Barclays Africa & Middle East Change Governance Framework will be highly preferred
Self-sufficiency in personal management in order to ensure that targets are achieved, through effective planning and monitoring of performance.
The applicant should possess good working knowledge of the challenges faced by a range of different businesses, and of the environment in which SME businesses operate.
Exceptional relationship and interpersonal skills
Strong selling and negotiation Skills
Strong Presentation Skills
Good relationship Skills
Credit Risk Skills
Team Skills
Excellent communications Skills
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