Universal Bankers - Kiramuruzi

Job Purpose

The job role is responsible for delivering comprehensive financial solutions to individual and business clients, ensuring exceptional customer service, and driving the growth of a high-quality and profitable deposit and loan portfolio. The role also focuses on maximizing cross-selling opportunities to enhance the bank’s NFI and increase product penetration per customer.

Main Responsibilities

• Build and maintain strong relationships with both personal and business clients, understanding their financial needs and providing tailored solutions.

• Drive deposit growth, loan origination, and cross-sell banking products, including personal loans, business loans, credit cards, and investment solutions.

• Open, maintain, and service both personal and business accounts while ensuring compliance with banking policies and procedures.

• Assess loan applications, provide credit counseling, and collaborate with underwriting teams to facilitate loan approvals for individuals and businesses.

• Offer personalized financial guidance, including savings strategies, cash flow management, and investment opportunities to personal and business customers.

• Ensure adherence to KYC, AML, and regulatory compliance standards in all banking transactions.

• Assist customers with routine banking transactions, troubleshoot account-related issues, and provide digital banking guidance.

• Analyze market trends, customer needs, and competitor offerings within the surroundings to enhance the bank’s product and service offerings.

• Provide guidance to branch junior staff and collaborate with cross-functional teams to improve service delivery and business performance.

• Ensure high levels of efficiency in daily banking operations, maintaining accuracy, professionalism, and customer satisfaction.

Daily Responsibilities:

• To prepare daily, weekly, and monthly personal and SME performance report

• To identify, evaluate, and address customer financial needs by mobilizing new accounts, deposits, and quality loans while monitoring facility utilization to prevent NPL migration and overdrawn accounts.

• Capture personal and SME business credit applications in Credit Quest and Cregora (or any other credit workflow)

• Mobilize deposits

• Receive and resolve customer’s complaints and enquiries.

Educational qualifications and work experience:

• Bachelor’s degree in business related field.

• Possession of Professional Qualifications in Banking is an added Advantages.