Client Partnership Officer

The Client Partnership Officer is responsible for actively managing a portfolio of borrowing and non-borrowing clients to ensure that contact strategies are achieved.

Job Purpose & Summary:

The Client Partnership Officer is responsible for actively managing a portfolio of borrowing and non-borrowing clients to ensure that contact strategies are achieved, opportunities to upsell and cross-sell solutions are crystallized and client satisfaction is achieved to ensure retention.

Portfolio management is also a key function of this role and the Client Partnership Officer must ensure that annual reviews are completed prior to expiry dates, overall portfolio quality is maintained and all borrowings are closely monitored in order to manage deteriorating risk profiles, in accordance with established internal guidelines and policies, regulatory and statutory guidelines.

Duties and Responsibilities:

• Actively markets the JMMB Group’s Financial Solutions to existing and potential clients via outbound telephone calls, external site visits, marketing events, trade shows and expositions in order to gain new loan and deposit business for JMMB and achieve assigned financial targets
• Expands account by selling to walk-in customers or through, referrals, etc.
• Phone prospects (internal and external) customers to solicit new business.
• Manages client relationships to ensure timely review of facilities, delivery of tailored solutions within established timelines and a satisfied and loyal client base, with high likelihood to recommend JMMB
• Ensures that referrals (for new business opportunities) are actively solicited from existing clients, internal team members, external partners and Centres of Influence
• Interviews and profiles customers to identify specific needs (expressed and unexpressed), including deposit and/or investment and credit requirements.
• Develop an early rapport quickly with walk-in customers.
• Ensures proper disclosure of terms and fees are always provided to the customer
• Conducts due diligence acting as the first line of defence and comprehensively completes credit applications for clients within established timeframes, maintaining communication with clients and adhering to Client Care Standards during the process to make the process easy, enjoyable and empowering for them
• Ensures proper disclosure to customers/potential customers of the terms and conditions related to all transactions and the relevant fees, and where applicable, collect and book appropriate charges
• Completes the requisite client transaction documentation based on standard established policies and procedures;
• Actively manages delinquent accounts, adhering to prescribed guidelines and policies, and monitors borrowings closely in order to address deteriorating risk profiles, in accordance with established internal guidelines and policies, regulatory and statutory guidelines
• Keeps abreast of changes in the economic and business environment that may have a direct impact on clients’ businesses or personal circumstances so that value-added solutions can be proactively discussed with clients and opportunities for business pursued.
• Uses existing CRM database of the JMMB Group to record prospects, sales, meetings, events, closed accounts etc.
• Prepares the required loan documents for customers to sign upon receiving written approval of the credit facility.
• Carries out any required data searches, verifies customer signature and check the accuracy and completeness of forms before inputting and committing data on new prospects in T24 or other required systems per operating guidelines. 
• Ensures that the bank’s core values and guiding principles are maintained in all external and internal dealings
• Performs other related duties as assigned by Team Lead or Senior Team Lead

Education, Training & Work Experience Required:

• Bachelor’s Degree in Accounting/Finance/Business/Mathematics or equivalent professional qualification (e.g. ACCA)
• Certified Financial Planner or Professional Certificate for Financial Advisors or Certificate in Banking or a Certificate in Finance or Accounting 
• Minimum three (3) years practical experience in a Retail or Commercial Credit environment
• Strong working knowledge of marketing and sales techniques
• Excellent knowledge of retail and commercial banking solutions

Skills:

• Team-player with excellent interpersonal and communication skills
• Passion for sales, relationship building and client care
• Commitment to excellent grooming and professional imaging
• Proficient in use of Microsoft Excel, Word and PowerPoint

Behavioural Competencies:

• Promotes the JMMB’s philosophy of the Vision of Love and its unique culture.
• Promotes the Project Management culture for the transformation and continuous improvement of the JMMB and its associated companies.
• Solution oriented expert
• Actively live our core values as enshrined in the Vision of Love
• Extraordinary leader working in the best interest of all
• JMMB’s defined Leadership competencies

Relationships:

• All Team Members
• Existing clients and external prospects
• Centres of Influence
• Attorneys-at-Law, Quantity Surveyors, Contractors, Engineers, Valuators, Real Estate Agents
• Representatives of other local Financial Institutions
• Representatives of statutory bodies
• Employers and client references