Business Banker

The Business Banker is responsible for developing and expanding a portfolio of business clients by identifying new opportunities, building strong relationships, and delivering customized banking solutions. The role involves sales execution, credit analysis, loan structuring, and portfolio management, with a focus on achieving growth targets while maintaining sound risk practices.

Level:Assistant Manager

Sales & Relationship Management

• Identify, pursue, and convert new business opportunities to expand the client base
• Achieve and exceed sales targets for loans, deposits, and credit card products
• Build and maintain strong, long-term relationships with business clients
• Cross-sell and upsell products across JN Bank and the wider JN Group
• Represent the Bank at industry events, associations, and networking opportunities
• Provide ongoing after-sales support to enhance customer satisfaction and loyalty

Credit Analysis & Portfolio Management

• Assess loan applications and prepare credit submissions in line with Bank policies
• Conduct site visits and evaluate client operations to support lending decisions
• Ensure all documentation is accurate, complete, and compliant
• Monitor and manage assigned loan, deposit, and credit card portfolios
• Support annual loan reviews and ensure adherence to approved terms

Business Development & Market Intelligence

• Analyse market trends and identify new growth opportunities
• Develop and manage a strong sales pipeline using CRM tools
• Conduct research to recommend improvements to the Bank’s loan portfolio mix
• Support the implementation of sales strategies and business initiatives

Reporting & Operational Support

• Prepare and submit weekly and monthly sales and pipeline reports
• Maintain accurate records of client interactions and transactions in CRM systems
• Support sales planning, budgeting, and performance tracking activities
• Collaborate with internal teams to ensure seamless service delivery

Risk & Compliance

• Ensure adherence to KYC requirements, credit policies, and regulatory standards
• Monitor portfolio performance, including delinquency management
• Implement risk mitigation strategies and escalate issues where necessary

Qualifications & Experience

• Bachelor’s degree in Business Administration, Finance, Economics, or related field (MBA is an asset)
• Minimum of 3 years’ experience in banking, treasury, trading, or related field at Assistant Manager level
• Strong knowledge of commercial banking products and financial markets
• Proven experience in sales, credit analysis, and portfolio management

Key Competencies

• Strong sales and negotiation skills
• Excellent relationship management and networking ability
• Analytical thinking and sound business judgment
• Strong communication and presentation skills
• Customer-focused with a results-driven mindset