Job Purpose

Provide a relationship-based offering to high net-worth affluent individuals through a proactive, highly responsive personal approach to meet the financial needs and service expectations of high net-worth individuals.
Proactively promote a relationship-based offering through operating as a dedicated and primary point of contact for the customer and providing financial solutions which meet the customer’s expectations in accordance with the segment value proposition.
Maintain a high level of integrity, professionalism and ethical standards whilst building valuable long-term relationships with customers.

Key Responsibilities:

• Acquire new customers (high net-worth affluent individuals) as per the criteria outlined in the Select Banking segment value proposition.
• Proactively identify cross-sell opportunities within own portfolio of customers to maximize life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.
• Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
• Comprehensively explore customers’ short and long term financial goals/aspirations and keep up to date with changes in the financial needs and financial position of customers.
• Pro-actively manage the portfolio to maximize revenue for the Bank (referring to fees, margins and sales), minimize costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
• Establish, build and strengthen one-on-one relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
• Place equal emphasis on investment (non-borrowing) and borrowing customers.
• Conduct a comprehensive calling/contact management programme for all customers within own portfolio supported by call reports that document any issues and future opportunities identified
• Commitment to Service excellence and superior service delivery aligned to SLA’s and turnaround time commitments.
• Ascertain when customers require specialist advice and arrange appropriate.
  introductions with specialists. Generate and pass on leads. Follow up to ensure that the customer is satisfied with the service received.
• Determine when new or existing customers require Business Banking or CIB expertise and arrange introductions accordingly. Interact and build strong working relationships with Branch Managers and Corporate Banking colleagues to entrench the holistic customer relationship with the bank.
• Interact frequently and build strong working relationships with enabler and fulfilment functions (including credit specialists, product specialists and wealth specialists) to shorten turnaround times and SLA’s are adhered to.
• Establish and build knowledge and understanding of product and credit application processes to eliminate reworking and ensure acceptable turnaround times for customers on the system. Take responsibility for the integrity of all data pertaining to the portfolio.
• Monitor initial activation and usage of transaction accounts and proactively take steps to mitigate dormancy.
• Cooperate and work effectively with others in pursuit of team goals by sharing information, providing support, showing care and being considerate of other team members
• Risk Management
  Develop, update and maintain risk procedures and systems with respect to risk identification, risk assessment, risk monitoring, risk mitigation strategies and risk reporting.
• Ensure effective adoption and utilization of risk management tools
• Drive remediation of risk management exceptions identified during audit or risk reviews
• Promote risk management culture.

Academic / Professional Qualifications

Bachelor’s Degree in business management, marketing, economics, accounting, finance or any other related field

Working Experience Required

• 3 years banking/ service experience, preferably dealing with high net-worth individuals
  in a portfolio context.
• Strong sales background.
• Experienced in upholding the highest levels of service