Lets Write Africa's Story Together!

Old Mutual is a firm believer in the African opportunity and our diverse talent reflects this.

Job Description

To grow and manage SME clients to ensure optimum customer acquisition, loan and cheap deposit growth, retention and income generation. To offer world class relationship management and customer experience to new and existing customers.  

1. KEY MEASURABLE GOALS

Growth in number of clients.  Growth of cheap and stable deposits.Growth in Outstanding SME loan book and maintain quality loan book.Growth in non-funded income (transactional income, fees and commissions)Cross-selling of Bancassurance products

2. KEY RESPONSIBILITIES

Lead generation and conversion to business (Loans, Fixed Deposits, business accounts etc.)To champion SME product in the BranchesClient retention through world class customer serviceRelationship Management of existing and new SME clients Account utilization by all SME clients and on boarding to alternate channels.Proper KYC vetting of clients using supporting documents and SME appraisal tools   Proper loan appraisals measured by approval success rate  Documentation and integrityCompliance to Credit Policy, Compliance and audit standards together with company policies and proceduresDissemination of information to prospective clients about FauluProducts and service awareness Ensuring clients understand our operations policy with regard to accessing our services and productsPeriodic SME training to the branch staff to enhance awareness and cross sellingEnsuring account utilization -all business proceeds to be banked through FauluRelationship management – scheduled and adhoc client visits, calls, etc.On time loan repayment and follow ups Understanding the underlying causes of default and take remedial actions as per credit policyAttain PAR targets Networking with SME Business Forums, events, etc. Stakeholder relationship management; local administration, dealers, etc.Monitor, on a continuous basis, all transitions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)Obtain, verify and maintain proper identification of customers wishing to make transactions whether directly or through proxy.Adhere to all the due diligence measures when conducting transactions as enshrined in the Bank's AML, KYC & CFT policies, procedures and guidelines

3. STAFF SUPERVISION RESPONSIBILITIES

Staff Reporting Directly to the Job Holder

None

Others Reporting Indirectly

None

4. PERSON SPECIFICATION

Education

Bachelor’s degree in a Business-related field

Desirable

Diploma in sales and marketing

Knowledge and Skills

SME Credit analysis, credit management and marketing/Relationship Management

Experience

At least 2-year related experience.

Personal Attributes

Good communication and interpersonal skills.

Excellent problem solving and decision-making skills.

Team player and quick thinker

Physical demands

Constant travel

Provides specialist knowledge and executes account development strategies and sales business plans in order to achieve medium-sized sales targets.

ResponsibilitiesData Collection and Analysis

Collate and analyze data using preset tools, methods, and formats. Involves working independently.

Information and Business Advice

Resolve queries from internal or external customers or suppliers by providing information on complex processes and the related policies, referring issues to others where necessary for interpretation of policy.

Document Preparation

Prepare moderately complex documents using a variety of applications for technology devices, such as standard office software. Also responsible for gathering and summarizing data for reports.

Insights and Reporting

Extract and combine data to generate standard reports.

Customer Relationship Management / Account Management

Make calls (by telephone or in person) to allocated customers to maintain and strengthen existing relationships. Act as a first point of contact for resolving customer queries and complaints.

Financial Advice

Conduct comprehensive financial planning and advice services for more complex client situations.

Sales

Deliver mostly routine sales support services.

Operational Compliance

Develop knowledge and understanding of the organization's policies and procedures and of relevant regulatory codes and codes of conduct to ensure own work adheres to those standards. Obtain authorization from a supervisor or manager for any exceptions from mandatory procedure.

Personal Capability Building

Develop own capabilities by participating in assessment and development planning activities as well as formal and informal training and coaching. Develop and maintain an understanding of relevant technology, external regulation, and industry best practices through ongoing education, attending conferences, and reading specialist media.

Skills

Accounting, Action Planning, Computer Literacy, Credit Management, Credit Policies, Customer Relationships, Customer Service Relationship Management, Data Analysis, Database Reporting, Data Compilation, Data Interpretations, Decision Making, Documentations, Evaluating Information, Management Reporting, Numerical Aptitude, Oral Communications, Problem Solving, Professional Presentation, Report Review, Sales, Sales Software, Statistical Analysis Techniques, Strategic Business Units

Competencies

Communicates EffectivelyCustomer FocusDecision QualityEnsures AccountabilityManages ComplexityOptimizes Work ProcessesPlans and AlignsTech Savvy

Education

Bachelors Degree (B): Business (Required), Bachelors Degree (B): Marketing And Business Management (Required)

Closing Date

19 March 2025 , 23:59

The Old Mutual Story!