Personal Banker

Job DescriptionTo proactively manage a portfolio of retail clients by providing comprehensive, relationship-based banking solutions.

Key ResponsibilitiesEstablish, build and strengthen relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.Ensure that customers are well informed with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, etc), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g. minimum account balances, provision for debit orders and cheque payments, etc).Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities.Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.

QualificationsUniversity Degree

Experience RequiredAt least 3 years' experience banking experience preferably in a customer-facing role, with a strong background in relationship management.Additional InformationBehavioural CompetenciesChecking ThingsConvincing PeopleDeveloping ExpertiseDeveloping StrategiesEmbracing ChangeEstablishing RapportExamining InformationExploring PossibilitiesFollowing ProceduresGenerating IdeasImpressing PeopleInteracting with PeopleInviting FeedbackMeeting TimescalesPursuing GoalsSeizing OpportunitiesShowing ComposureTaking ActionTeam WorkingThinking PositivelyTechnical CompetenciesApplication & Submission Verification (Consumer Banking)Banking Process & ProceduresClient Acceptance & ReviewCustomer Understanding ( Consumer Banking)ProcessingProduct Knowledge (Consumer Banking)