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Main responsibilities of role:
- Manage own portfolio of customers meeting retention, growth and income goals.
- Adherence to the company and Bank standards in respect of all risks including credit, operational and regulatory risk.
- Analyse financial and non-financial information as part of ongoing customer assessment process and ensure appropriate action is taken when required.
- Assess, prepare and submit credit applications for overpayments and annual customer reviews, ensuring appropriate commentary and analysis to aid decision making.
- Monitor customer portfolio and act as necessary to manage within acceptable risk while ensuring quality account management.
- Maintain delivery of a high-quality service to customers.
- Understand the company and the wider Bank’s products and services, and proactively identify and action sales opportunities in order to best meet customer needs.
- Build knowledge and understanding of relevant markets and customers in order to help assessment of customer needs.
- Build and maintain effective relationships with key internal stakeholders, notably within Operations, Sales and Risk functions, to enhance customer satisfaction, risk management and company growth.
- Ensure that customer portfolio is fully compliant with the Bank’s AML policies and procedures.
Additional responsibilities for all employees
Actively promote and practise the Bank’s Guiding Principles.
Understand and adhere to the Bank’s policies and procedures with particular reference to:
- Conduct Rules and Professional Standards Policy.
- Information Security and Data Protection Act 2018 (GDPR).
- Fair Treatment of Customers.
- Risk management and reporting of risk management incidents.
- Regulatory compliance and prevention of financial crime.
- Disaster recovery and business continuity.
- Proactively contribute to the Performance Planning and Review process.
- Support Bank wide Forums as required or identified.
- Cooperate with and help colleagues across our business, performing other reasonable tasks as may be required from time to time.
