SME Business Banker - Montego Bay

Summary

Provide support to the Bank’s overall strategic plan by soliciting and acquiring clients related to the targeted market of Small and Medium Sized Enterprises (SME), in addition to the solicitation of related parties of SMEs; that is, business owner(s), employees, main suppliers and main clients.

Responsibilities

• • Have primary responsibility for SME client acquisition and meeting targets for growth in liabilities, growth in the number of accounts and credit applications.
• • Build a strong commercial profile in the business community.
• • Manage and be responsible for a portfolio of SME clients.
• • Drive revenue and manage risk accordingly to reduce costs and increase efficiencies.
• • Advise prospects of the company’s products and services, inclusive of credit offerings, as well as negotiate banking strategies terms.
• • Initiate relevant documentation for opening accounts in accordance with the company’s guidelines.
• • Prepare credit applications for prospects which include financial analysis and recommendation of terms, conditions, pricing, and covenants within the framework of the credit policies and procedures of the Bank.
• • Ensure high level of service is maintained and that credit applications are presented in a professional and timely manner.
• • Review status of existing loans to ensure that they are kept from becoming delinquent and remedial action is promptly taken.
• • Review the overdraft report daily to ensure that excesses are not created neither are limits exceeded unless arrangements are previously made and approved by Credit Risk.
• • Meet goals/ targets for market share and growth.
• • Target new Sagicor Bank clients by cold calling, networking or through an introductory basis established by the Marketing Department or any other means.
• • Conduct presentations to prospective client groups.
• • Responsible for retention and growth of existing client relationships and new business development through cross selling and referral sources.
• • Manage resolution of client issues, escalating where appropriate.
• • Prepare sales and call reports on performance in a timely basis.
• • Efficiently manage the assigned portfolio.
• • Perform other related duties assigned from time to time.

Required Skills

• • Ability to engage with clients on both a reactive & proactive basis.
• • Track record in credit management, regulatory and operational risk would be an asset.
• • Formal training in sales and marketing.
• • Strong selling & negotiating skills.
• • Strong customer service skills.
• • Sound understanding of the financial sector, banking instruments and the regulatory environment.
• • Excellent public speaking and communication skills.
• • Ability to understand and deal with clients’ individual needs and requirements.
• • Strong interpersonal and organizational skills.
• • High level of professionalism and ethical standards.
• • High level of enthusiasm – proactive and self-disciplined.

Qualifications

• • Bachelor's degree in Management Studies, Finance, Economics or a related discipline from a recognized tertiary institution.
• • At least one year working experience in a business banking environment.
• • Own and operate a reliable motor vehicle.

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