JOYCE MOGALE

Job Purpose

-To grow and retain a portfolio of business segment relationship by performing a proactive, mobile, value adding financial partnership role

-To ensure that close personal attention is given to provide a full array of customized financial solutions tailored to meet the growth needs and potential of the customers within the portfolio

-To provide effective relationship management aimed at optimizing customer profitability and value to the bank

-To ensure customer satisfaction across allocated portfolio of customers

As a Business banker, Portfolio Manager and trusted advisor i support my clients in

-Elevating their Business brand in the forever changing economy

-Making seamless business banking transaction of specific industries

-Developing powerful relationships with client, internal and external stakeholders and other partners to provide seamless banking solutions

-Giving professional banking advise to ensure the success of business clients

Key Responsibilities

-Relationship and portfolio management

-Customer experiance

-Transaction Led customer acquasition

-Credit managemant

-Risk and compliance

-People Management

Knowledge/technical skills/expertise

-Computer litterate

-strong negotiation and conflict management skills to create a collaborative working enviroment where conflict is defused and managed

-Business Acuman

-Excellent verbal and communication skills

-Take charge, direct, manage and organize

• To support the small enterprise team with the day to day running and maintenance of their portfolios
• To deal with all credit related issues in Lifestyle and Entrepreneur segments provide a basic, branch-based Business Market sales and service function to Small Enterprise (SE) customers requiring uncomplicated and standardised financial product solutions

• Actioning investment reports, Rollovers, Transfers for maturing investments, Account opening, KYC, Interest recalculation, Ensure that all investments are actioned timeously and there are no losses

• To support the Account Executives and Account Analysts with the day-to-day operations and maintenance of the allocated portfolios, Vetting of mandates and opening accounts, Build and maintain relationships with customers by ensuring customer’s requests are actioned within SLA
• To provide a consistently high level of support to both the internal and external clients in order to achieve the new business targets on a monthly basis
• Ensure all application data is accurately verified in terms of laid down procedures and a full audit of the applications is completed to ensure internal fraud is prohibited
• Ensure compliance with all credit, fraud and compliance processes policies and procedures
• Exceptional service is to be delivered at all times to customers, suppliers and all staff in order to meet and exceed expectations and also to optimise on internal and external CSI surveys
• To ensure that by accurately processing all new business transactions, operational losses are kept down to an absolute minimum and are in line with laid down audit requirements
• Ensure that routine compliance procedures and controls are adhered to, to minimise the risk of loss through the opening of fraudulent and undesirable accounts
• Resolve account detail queries and problems within laid-down time frames
• Receive and action requests to close/amend/transfer accounts
• Proactively identify trends that may affect the quality of data and ensure corrective action is applied appropriately and timeously
• Ensure target is maintained on a daily basis by preplanning activities
• Ensure error rate is kept at a minimum of less than 1%
• Timeously identify risks and opportunities.

• Full general report SBSA, Debit and credit details (SBSA and Agent banks), Reversal of fees, Multiple queries, Account not credited, Cheque wrongly encoded, Unpaid cheque, Debit orders, Copy credits and copy of cheques, Action request to unpaid disputed items, Statements, EAP recall (SBSA and Agent banks), Disputes over/less 40 days

Status: in progress