Analyst, Account, Entrepreneur (Always On)
Standard Bank
Upington
4d ago

Job Details

Business & Commercial Clients

Please note this vacancy is Always ON

We are constantly recruiting for Account Analysts to join our team, across all provinces in South Africa. The vacancies may not always be open in your preferred area of work at the time of your application, but they are frequently available.

What is Always On?

Always On refers to advertising of roles that we are recruiting for currently and on an ongoing basis.

Why Always On?

This method of advertising is aimed at improving candidate experience by allowing :

  • You to apply once for an opportunity over a certain period e.g. 6 months.
  • You to obtain swift feedback on your one application.
  • The Talent Acquisition Team to screen your one application, based on your personal preferences in locations where you would like to work, and type of environment (Voice / Physical Branch) then match you to opportunities where you are suitably qualified.
  • Candidate Tips :

  • Ensure that you have uploaded the latest CV and all copies of your qualifications online when you apply for the desired role (this aids the recruiter to effectively match your profile to the opportunity).
  • Your latest CV should reflect your skills / capabilities, qualifications and the roles you have been in with the correct dates and accurate contact details.

    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
  • 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.
  • 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.
  • Reports

  • Scrutinises / Actions all relevant reports according to laid-down instructions, especially the following : Report 8918 (Referral report) where applicable.
  • Report 8665 / 2084Actioning of report 2031 (Overdraft list of current / staff accounts)Actioning of report 2099 (Limit reviews)Actioning of excess and dormancy list received from creditActions Know Your Customer (KYC) and Enhanced Due Diligence (EDD) reports

    Routine

  • Actions credit referrals
  • Actions credit violations
  • Captures applications for Property Guarantees
  • Captures applications for Lease Guarantees
  • Ensures efficient and effective completion of Conditions of Approvals (COA)’s.
  • Preferred Qualification and Experience

  • Matric
  • Studying towards a Relevant business related tertiary qualification e.g. B.Comm degree is a pre-requisite
  • Must complete one of the Qualifications listed on the FSB recognised list within the allocated time.
  • Must complete the RE 5 examination within the allocated time
  • 3-4 years branch experience
  • An understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the small, medium business market.
  • Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role
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