Pinnacle Bankers x3 dfcu Bank

JOB PURPOSE: Reporting to the Branch Manager, the role holder will be responsible for growing the market share and revenue by providing pro-active and efficient personal relationship banking service to a portfolio of High-Net-worth clients by the laid down procedures.
LOCATION: Kampala

KEY ACCOUNTABILITIES:
• Manage relations with the High-Net-worth portfolio on a layered basis for business growth and to achieve relationship management targets.
• Appraise loan applications making sure that they meet the set standards and credit requirements using the prescribed scorecards and return those that do not meet specifications to the front office desk for follow-up to avoid losses.
• To grow Revenue and deposit in the High-Net-worth customer segment.
• Initiate credit applications for new and existing customers by completing the documentation with customers, completing the required financial analysis, and submitting applications to credit for approval to meet the set agreed timelines.
• Increase product penetration for High-Net-worth customers by reviewing their portfolio to determine potential cross-sells and proactively recommend new products to them.
• Conduct regular face-to-face customer visits, site visits, and recognition initiatives and write updated call reports for each visit as per agreed standards in agreed targets for customer retention.
• Receive and verify customer documents for account opening, facilities, and other customer instructions according to the laid down procedures.
• Timely notification of customers regarding their loan approvals/declines of credit facilities and advice on alternative options in case of a decline in customer satisfaction.
• Identify areas of concern/potential fraud and develop appropriate remedial processes/systems, which encompass both the operational and financial aspects of risk management.
• Monitor the Pinnacle portfolio performance and ensure that PAR and NPA are kept within acceptable limits to avoid losses.
• Manage credit and operational risk in account opening and loan processing to avoid fraud and losses.
• Onboard new customers on quick banking and inform customers of other appropriate service channels.
• Comply with KYC, AML & suspicious transactions reporting and ensure that all documentation and transactions are in line with local and regulatory anti-money laundering and KYC requirements.
• Acquire new High-Net-worth relationships, and accounts and grow and manage the High-Net-worth

QUALIFICATIONS, EXPERIENCE AND COMPETENCIES REQUIRED:
• Bachelor’s Degree.
• At least 3 years banking experience of which 2 should be at the front line.
• Excellent sales/networking and relationship management skills.
• Good understanding of credit principles and guidelines.
• Exceptional products knowledge and ability to propose the investment options.
• Ability to analyze business risk.
• Ability to manage a Portfolio of customers with different business needs.
• Understanding of both business & personal banking.
• Excellent interpersonal and negotiating skills.
• Financial Management.
• Reliably accomplishes work expectations; is well organised and productive.
• Gathers, organises, and applies knowledge.
• Adds value to our customers and behaves with integrity and commitment.
• Is aware of personal impact on others and adjusts accordingly.
• Understands and appreciates others, acts in a mature and professional manner.
• Displays a growth mindset; takes initiative to learn, develop, adapt & apply.
• Good understanding of credit principles and guidelines.
• Excellent interpersonal and negotiating skills required.
• Industry and business awareness.
• Excellent selling skills.
• Good communication and negotiation skills.
• Problem solving skills.
• Customer centric.
• Motivated, flexible, and ready to work under pressure.
• Able to convey information clearly.