3 No Experience Universal Banker Job Opportunities – Stanbic Bank
Job Title: Universal Bankers (3 No Experience Job Opportunities)
Organisation: Stanbic Bank
Duty Station: Kampala, Uganda
About US:
Stanbic Bank Uganda Limited is a subsidiary of Stanbic Africa Holdings Limited which is in turn owned by Standard Bank Group Limited (“the Group”), Africa’s leading banking and financial services group. The Standard Bank Group is the leading banking group focused on emerging markets. It is the largest African banking group ranked by assets and earnings. Stanbic Bank Uganda Limited is the largest bank in Uganda by assets and market capitalization. It offers a full range of banking services through two business units; Personal and Business Banking (PBB), and Corporate and Investment Banking (CIB).
Job Summary: The Universal Bankers will mainly service Customers by conducting a thorough customer requirements’ needs analysis, service and recommending the most appropriate solutions to fulfil the customer’s needs at the branch and/or local market. The Universal Banker will generate leads, build new and maintain existing customer relationships for walk-in customers, resulting in a positive customer experience. The Universal Banker must also be able to identify and engage appropriately across all the client segments.
Key Duties and Responsibilities:
- Conduct a thorough financial needs assessment and recommend the most appropriate solutions for customer’s immediate and future financial needs at the branch.
- Promote and sell a range of product offerings and solutions that meet the financial needs of customers that walk in at Branch or serviced through local market structures.
- Generate and follow through cross sales opportunities from client needs.
- Acquire and open new personal and business accounts according to customer needs.
- Cross sell additional products and services to existing and new customers and generate leads for business customers to be pursued by Enterprise Direct
- Identify and refer cross sales leads to other stakeholders including CIB, Enterprise Direct, Vehicle and Asset Finance, Trade Finance, Home Loans; bancassurance and others.
- Provide input into the marketing plan and campaigns targeted at increasing personal and business sales revenue.
- Conduct and drive campaigns at branch, targeted at personal and business banking customers.
Customer Service
- Resolve customer enquiries; refer more complex enquiries to the relevant area for example: Enterprise Direct; Home Loans; Bancassurance; VAF, and follow up on the query resolution in order to provide feedback to the customer.
- Resolve customer service queries e.g. transfers, account amendment, account activation and account query resolution when requested by customers according to defined procedures.
- Conduct customer on boarding across all customer segments as per defined processes for new accounts and explain the channels offerings that are available to the customer ( physical and alternate channels)
- Proactively promote the adoption and drive cross sell opportunities for all alternate channels i.e digital banking channel, agency banking Enterprise on line..etc
- Maintain customer satisfaction as per defined Customer Experience Measurements (CEM) targets
Customer Migration
- Identify the addressable customer transactions that should be migrated to the alternate channels
- Sign on customers to the alternate channels.
- Supervise Agent network with in the branch’s eco system with the aim of driving transactions on the channel
Lending & Risk Management
- Inform customers of their terms and conditions in accordance with the requirements in Stanbic bank Bank’s policies as well as the Code of Banking practice.
- Support p customers in the completion of credit application information requirements for example balance sheets,
- Capture and process scored credit applications for personal customers within the confidential limit of authority and Behavioural Risk Indicator (BRI) scores and notify customers regarding the approval or decline of credit loan facilities.
- Action credit violations reports daily as per laid down procedures for personal lending.
- Conduct Know Your Customer (KYC) for customers as per defined guidelines in order to minimise fraud. Report identified fraudulent incidents immediately.
- Action daily / weekly Personal Banking reports as per laid down procedures.
- Identify and manage business risks from both a customer and bank perspective by ensuring that appropriate control mechanisms are in place to minimize risk exposure. Example cheque confirmations or verifying signatures
Key Results:
- 100% KYC’ed clients.
- Satisfactory audit report
- Number of credit reworks
- Achievement of sales targets
- Achievement of cross selling targets
- Financial performance against budget
- Quality of credit applications
- % customers transacting on the alternate channels
- First call resolution and closure of customer queries
- Net Promoter Score (NPS)
- Achievement of CEM scores
Qualifications, Skills and Experience:
- The ideal applicant for the Stanbic Bank Universal Banker job must hold a first degree in a business course or related field
- Sound knowledge of cash handling policies and procedures
- Sound knowledge of legal aspects regarding cheque, bills and cash handling
- Sound knowledge of bank products/services and related procedures
- Knowledge of Service standards
- Knowledge of the Core banking system
How to Apply:
All candidates are strongly encouraged to apply online at the link below.
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