Job Purpose
To manage and optimize value from a portfolio of SME customers

Key Responsibilities / Accountabilities
Cross-selling additional products & services to existing customers (walk-in customers, during pro-active telephone conversations).
Promote and sell a range of appropriate products and solutions that meet the financial needs of small and medium business customers:
Identify sales leads for associate company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking; Trade; Global Markets; etc.
Mine existing customer data to identify expansion and/or additional business opportunities.
Identify opportunities to migrate top-end customers to Commercial Banking.
Selling includes acquiring and opening new business accounts (walk-in customers and customers pro-actively approached in the local market area)
Providing a central (information/ query handling) service point for a portfolio of SME customers. .
Ensure KYC documentation, regulatory compliance and control is adhered to

Preferred Qualifications and Experience
Min 2 years of Business Banking Sales experience
Bachelor’s Degree in any related field

Knowledge / Technical Skills / Expertise
Thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
Good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs.
Basic Financial Analysis – Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
Business acumen – Ability to spot opportunities and optimize revenue generation for the business

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