Personal Banker

Tawteen

Responsible for the sales and servicing of various products and services, primarily to new /

customers within the branch environment. Implements the relationship management concept /

through the sale of assets, liability products and other retail banking services and is the first point /

of contact for all types of customers.

Principal Accountabilities

• Keeps updated about all retail products & services offered/distributed by the Bank including third /
• party products (such as CBO Bonds, investment schemes, Bankatakful etc as appropriate).
• Meets sales target with regard to retail products and services by selling to customers within the /
• Branch. Proactively responds to customer enquiries concerning the bank, its products and services /
• with an objective of converting a significant percentage of enquiries into sales / customer /
• retention.
• Completes sales documentation as per operational policies in respect of customers such as /
• opening finances and deposit accounts, which includes accurately completing the documentation /
• as outlined in the credit policy and desktop procedures.
• Responsible for all Account Opening and maintenance activities both administratively and in /
• system.
• Responsible to cross-sell e-Banking registrations, Credit cards, Investment schemes, Bankatakaful /
• etc. as per objectives communicated from time to time.
• Undertakes outbound calls to both existing customers to maintain / enhance the relationship and /
• new / prospective customers in an effort to secure new business.
• Complements Personal Bankers as appropriate based on need as communicated by the Branch /
• Manager/Sales Manager after regular banking hours.
• Personal Banker would work as a teller when customer service levels require, when directed by /
• branch management.
• Support the Bank s recovery efforts by performing tasks related to skip tracing and restructuring /
• of NPA customers.(till Recovery Centralization)
• Follows-up with delinquent customers in an effort to recover non-performing assets.(till Recovery /
• Centralization)

Personnel Specification

• Bachelor in Banking / HND / Bachelor in relevant field
• Good knowledge of products, services, operational policies and procedures
• Sales orientation.
• Good communication skills, interpersonal skills, tact and flexible approach
• Knowledge of Banking systems and PC operations

Additional Information

• Accurate and Comprehensive Collection and Completion of Customer Service Requests /
• for Financial (Standing Instructions, Demand Drafts, Pay Orders, Returned Items, /
• Stopped Items, etc.) and Non-Financial Transactions (Open and Close Accounts, Cards, /
• PINs, Cheque Books, Account Amendment, etc.)
• Sales and Service of Lending and Insurance Related Products
• Overload Processing of Teller Transactions (Transfers (including Non-Cash Bill Pay), /
• RTGS (non-cash), SWIFT (non-cash) and Cheque Deposit Acceptance)
• General Customer Service, Enquiries and Service Ambassador Duties (customer training /
• and direction)

Management by Objectives (MBOs)

• Sales Efforts (individual efforts of Personal Banker)
• Sales Results
• Processing Goals
• Quality Management
• Developmental Goals