HFC Limited, the banking and property finance subsidiary of HF Group, has an exciting opportunity in our Retail Department. We are seeking a talented, dynamic, self-driven, and results-oriented individual who is committed to performance, excellence, and participating in our growth strategy.
To achieve business growth in the SME banking segment. The role holder will have a holistic view of all accounts within his/her portfolio, using lead generation and account prioritization to cross sell Bank products and extract value from said portfolio whilst maintaining/ building customer relationship and account information.
Deadline: 2025-06-23
Category: Retail
Subsidiary: HFC
Principle Accountabilities
1.Acquisition: Business Development
- To ensure growth of Branch SME portfolio (NFI, deposits and assets) through the acquisition of new to Bank customers through the Business sales officers and lead generation
- Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
- To ensure acquisition of customers to digital channels i.e Internet Banking, WHIZZ and other platforms.
- To effectively manage and expand the relationships with existing SME banking clients and bring in new partnerships from existing portfolio so as to ensure business growth and continuity.
2.Portfolio profitability (Cross-sell & Retention)
- Grow SME customer portfolio size (Product per customer, Non-funded income, deposits and assets) by deepening existing customer relationships
- Ensure a clear retention plan for overall portfolio deposits and loans for the segment, to execute this plan in conjunction with the Branch Managers.
- Monitor account planning for all clients that will assist in advising on potential financial solutions based on identified needs
- Assist in Resolving client queries in a timely and appropriate manner
- Assist in collaborating with product specialists, to deliver effective customer solutions.
- Ensure Fulfillment of minimum customer relationship touch points – e.g., 1 visit every quarter and 1 call and email a month depending on customer segment
- Prepares and submits all reports may prepare management reports summarizing individual and team loan activity
- Ensure all customers are on-boarded on a digital platform i.e. WHIZZ, Internet banking
- Ensure Product Per Customer of 5 across the portfolio
- To understand nature of businesses, their life-cycles and the various product offerings that can be given to the customer.
- To evaluate credit proposals and ensure the credit applications process on a timely basis within the Bank’s set turnaround times.
3. Customer and Market:
- Maintaining/ Updating customer data on parameters such as Business turnover/ directors details etc
- Ensure all customer engagements are recorded accordingly
4. Compliance:
- To ensure compliance with both internal and external regulatory requirements.
- To continuously follow business operational and credit policies ensuring their compliance.
Other
- To safeguard and promote the bank’s image with the general public.
- To assist in other issues, aspects such as issue resolution and activities related to credit support and product partners to support our growth strategy.
- Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business.
Key Competencies and Skills
Competencies required for this Role
- Deciding and Initiating Action
- Delivering Results and Meeting Customer Expectations
- Entrepreneurial and Commercial Thinking
- Negotiation Skills
- Planning and Organizing
- Presenting and Communicating Information
- Relating and networking
- Working with people
Minimum Qualifications, Knowledge and Experience
Education, knowledge, skills and experience required for this Role
- Bachelor’s degree in any field
- 5-year experience in managing clients
- Excellent interpersonal skill
- Excellent communication and presentation skills
