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.
• Be familiar with all policies, products and processes to ensure superior client onboarding experience.
• 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.

• Financial:
  • Accomplish set sales and revenue objectives for all products as per the set business plan.
  • Achieve monthly and 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.
• Customers:
  • Be commercially effective and consistently keep customer/client as focus while ensuring excellent customer service by delivering quality onboarding experience.
  • Ensure thorough knowledge of all products, policies and processes to achieve a 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.
• Learning & Growth:
  • Ensure participation in assigned training, learning & development programmes.
  • Develop awareness of competition offerings and offer suggestions to line manager to improve product/process.
• Internal 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 the respective area.
  • Adhere to risk control assessment process across all areas of the business banking department—selling, client onboarding, fraud control, client application & KYC documentation, etc.
  • Adhere to all prescribed internal processes to ensure satisfactory audit ratings by adherence of all prescribed processes.
  • Ensure to bring quality and right customers to the franchise.
  • Discuss cases with stakeholders and ensure support is provided.

• Leadership & team management.
• Good knowledge of BB products.
• Service quality & customer handling skills.
• Good computer skills (Excel, Word, PowerPoint).
• Motivated & proactive approach.
• Competitive and ability to work in a multicultural environment.
• Ability to develop & strengthen relationship between team & customers.
• In‑person, telephone and email communication 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‑sell opportunity for other business divisions of the bank.