Account Analyst at Standard Bank Group

Job description

Job Summary

Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful Account Analyst to help us fulfil our business objectives and build customer loyalty.

Job Purpose

• To support the Business Manager with the day to day running and maintenance of the portfolio.
• To provide a central office-bound contact point for customers.
• To deal with all credit related issues in Lifestyle and Entrepreneur segments.
• To ensure effective communication with Business Managers on all matters relating to the portfolio.

Key Responsibilities/Accountabilities

• Customer Experience
• Provides a consistent customer experience in line with the Small Enterprise Customer Value Proposition
• Provides a second face office-bound (information/ query handling) service point for Entrepreneur customers.
• Performs a liaison role between the Business Managers, customers, branches and back office service fulfilment and credit functions.
• Interacts with customers to establish financial information requirements.
• Educates customers regarding the parameters and routine procedures governing entrepreneur product and service offerings.
• Interviews Business customers, when required.
• Assists with completion of documents and opening of all accounts for the Entrepreneur segment.
• Ensures that welcome letters are sent to new customers
• Attends to transferring and closing of accounts, when necessary.
• Effectively migrates customers to Direct Channels.
• Ensures that all new service requests (queries and complaints) are logged correctly, as either a “first contact resolution” or “non-first contact resolution” as appropriate.
• Ensures that service requests in personal work list are actioned within agreed timelines.
• Ensures accurate capture, updates or amendments of customer information and history notes.

Compliance

• Complete all compliance training within laid down timelines
• Lending support and risk management
• Accurately and efficiently collates and check securities documentation and mandates for banking facilities.
• Analyses business and financial information e.g. balance sheets, financial statements and management accounts, to prepare and motivate non-scored credit applications in line with credit requirements.
• Processes scored/un-scored credit applications.
• Monitors daily excesses to ensure that customer facilities are managed within the parameters set by Credit.
• Ensures timeous completion of all credit reviews.
• Ensures the preparation and completion of security documents for accounts on the relevant portfolio.
• Actions the daily credit violations.
• Assists with credit checks on new and existing accounts and credit applications, when necessary.
• Arranges and prepares the manager’s appointments for the week ahead.
• Supports the manager in researching and prospecting for new and migratory business.

Drive Transaction Led Acquisition

• Maintains customer portfolio data to identify opportunities for additional facilities.
• Cross-sells additional value adding products and services to existing customers to assist them in growing their businesses.
• Identifies and generate sales leads to stakeholders e.g. Personal Market, Vehicle and Asset Finance; Electronic Banking; Standard Bank Financial Consultants; Standard Bank Insurance Brokers, etc.
• Completes sales and lead generation tracking forms on a daily basis.
• Ensures that targets and budgets are met.
• Participates in tactical sales/marketing activities as required.
• Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified.
• Identifies and actions opportunities for cross- and up-sell.
• Identifies migration opportunities and sells products/services reactively.

Preferred Qualification And Experience

• Matric /Grade 12
• Completed B.Comm degree is a pre-requisite
• Degree must be recognised on FSB list
• Completed RE5/RE1

Knowledge/Technical Skills/Expertise

• Computer literate
• Good communication skills
• Good numerical skills
• Good mentoring and coaching skills
• Good negotiation skills

Closing Date: Dec 22 2017