Relationship Officer - Business Loans

Job Purpose

Meet and exceed monthly and annual sales target objectives.

• Ensure penetration in the market through focus on New To Bank acquisition as well as solicit existing clientele.
• Do proper analysis of the case and provide all related information of the customer after the field visit is done.
• To be familiar with all policies, products and processes to ensure superior client onboarding experience.
• To proactively participate in Learning, Development and training programmes of the bank in order to be an effective sales personnel.
• Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated.

Accomplish set sales and revenue objectives for all Products as per set business plan.

• Achieve monthly & annual set KPI objectives.
• Focus on New To Bank acquisition along with leveraging existing client base.
• Leverage cross‑sell opportunities to ensure higher revenue per customer.
• Maintain Daily Sales Reports on sales performance for review by team leader and manager assets.

Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client onboarding experience.

• Ensure thorough knowledge of all product, policies and processes in order to achieve superior client onboarding experience.
• Ensure no mis‑selling to customers by offering products/services transparently as per customer requirements.
• Understand and resolve/escalate customer redresses to ensure timely resolution.

• Ensure participation in assigned training, Learning & Development programmes.
• Awareness to competition offerings and offer suggestions to line manager to improve product/processes.

Ensure implementation of prescribed Sales & Compliance processes as per Bank's policies. Implement governance & controls to proactively identify, manage and minimize/mitigate potential losses to the franchise within respective area.

• Adhere to Risk Control Assessment process across all areas of Business Banking Department - Selling, Client Onboarding, Fraud Control, Client Application & KYC Documentation etc.
• Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all prescribed processes.
• Bring quality and right customers to the franchise.
• Discuss the cases with stakeholders and ensure support is provided.

Core Skills

Technical Skills

• Leadership & team management.
• Good knowledge of BB products.
• Service quality & customer handling skills.
• Good Computer skills;
  Excel, Word, PP.
• Motivated & proactive approach.
• Competitive and ability to work in a multi‑cultural environment.
• Ability to develop & strengthen relationship between team & customers.

In person, telephone and email to communicate on matters/reports related to the job.

• Requires good convincing and negotiating skills according to the complexity of business.
• Continuous suggestions on changes and ways of improving FAB products.
• Build and maintain effective business relationship with all colleagues.
• Identify any cross‑selling opportunity for other business divisions of the bank.