Developing new business opportunities by proactively selling, marketing and managing deposits and lending products from current & potential clients.

TASKS:

• Selling and Marketing of Coop Bank Deposit and lending products and acting as an ambassador for the products both internally and externally.
• To ensure branch deposit targets per product is met as per budget
• To ensure lending applications from eligible customers are timely prepared and submitted, adhering to the laid down procedures and standards, and disbursed timely upon approval.
• To cross sell to existing customers on Value Added service and other related products and service
• To ensure timely follow up and accuracy in consolidating and reconciling deductions for posting.
• Follow up non-repayment and loans in arrears from all Coop Bank lending products
• To initiate immediate collections/recovery measures when the borrowers shows signs of underperformance, violates terms and conditions of the loan or the business experiences distress or crisis.
• To ensure that both credit and security documents at the branch are properly executed, perfected and are kept securely and intact in respective files.
• Carry out quarterly thorough credit control self-assessment review based on all borrowers and rectify/or coordinate rectification of noted anomalies and report to BM
• To visit each borrower’s business and respective securities at least quarterly, prepare visit memos, sign off and ensure the visit reports/memos are properly filed in respective customer loan files at the branch.
• For new loans and/or enhancement above previous approved limit, ensure that no loan appraisal or proposal is recommended to the next level without visiting the customer’s business and security.
• Recovery of charged off credit facilities at the branch;
• As a secretary to the Branch Credit Committee (BCC), ensure that weekly BCC meetings happen as per control process and agenda for discussion adequately covers new credits and performance of the branch loan portfolio and keep track on all deliberations on weekly basis.
• Ensure that minutes of the BCC are well recorded with action points well allocated to role players; all minutes are signed off by both the Chairperson and Secretary and the same filed appropriately.
• Assist / train all lending customers in records keeping and preparation of financial projections.

Timely handling customer complaints and servicing customer’s inquiries

• Prepare claim and submit documentations for insurance timely, in case of fire, burglary, death and permanent disability of the customer in portfolio
• Perform any other duties as maybe assigned by supervisor

• RESPONSIBILITIES:

Business

• Business awareness to be able to achieve business performance, Customer Service minded and operational risk awareness.

People Management

• Team player – Work together with other Branch units as one team to deliver the exceptional performance of the whole Branch

• Bachelor’s Degree or Its Equivalent and at least professional banking certificate
• At least 2years’ experience with good background of customer relationship.
• Strategic business awareness coupled with clear understanding of Bank’s products, handling and building customer relations.
• Also should be aware with Performance Management and Change management.
• Self-empowerment to enable development of open communication, teamwork and trust that are needed to support performance and customer service oriented culture.
• Communication and Presentation skills, Planning and Organizing skills, Interpersonal and Computer skills, Coaching skills as well as Reporting and analytical skills.

• Banking Skills