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Business Advisor - Cork City


Business Advisor - Cork City

Cork | Ireland

The Business Advisor position is an important role within Cork City. The opportunity is to deliver across numerous areas not limited to business performance, community, business development, people and customer. Our purpose is to enable our Customers, Colleagues and Communities to thrive through our professionalism, determination, innovation and the passion we have for making a difference in customers' lives. Our work is important and so too are the people doing it.

Purpose of the Role:

This role is key in contributing to the team's success by supporting the development of the Business customer base focusing on the following products across business and personal - Business lending, business credit cards, overdrafts, BOIPA, Business current accounts, savings and investments, mortgages, personal loans, insurance; along with more complex products such as business lending and complex mortgages.

Key Accountabilities:

  • Identifying Customers' present and future financial needs through undertaking quality Financial Needs Analysis and using appropriate sales processes and techniques.
  • Proactive recognition and referral of new business and sales via Sales Excellence.
  • Achieving sales and income across both the business and personal sectors. (Mortgages, Premier Wealth, PB, Resources etc.)
  • Providing product and service solutions to customers.
  • Effectively manage credit risk profile of the portfolio, reviewing, analyzing and submitting high quality credit applications and engage the lending team to manage upward grade migration and minimise losses.
  • Leading, mentoring and supporting other staff members.
  • Increasing customer satisfaction scores for segment and implementing service standards at local level.
  • Support the team to increase Bank's profile in local market place and actively participate in the Business Development Forum and other Business Development initiatives to achieve business growth and targets, playing a key role in SBR (Small Business Recruitment).
  • Champion the Bank and endorse the 'Open for Business' message with customers, key influencers and external organisation.
  • Collaborate with colleagues to support complex cases, set up community and enterprise initiatives and enhance local relationships.
  • Compliance with audit standards, quality standards and other group standards.
  • As part of the team, taking responsibility for overall county goals and objectives.

What is the Opportunity?

This is an exciting opportunity to work with the Community Banking Leader and other colleagues in Cork City to deliver on our combined goals. Cork City is a vibrant and growing market and this role is an excellent opportunity to develop professionally and would be seen as a step towards a leadership position like Community Enterprise Leader or SME Lending Advisor. Understanding our business customer's needs is a special skill which differentiates Bank of Ireland from our competitors.

The successful candidate will have to demonstrate a good knowledge of business lending and business acumen and confidence around holding key discussions with our business customers. These are important skills expected within the role.

Essential Qualifications:

  • Minimum of 5 passes (minimum Grade D) in Ordinary Level Leaving Certificate subjects, including Maths and English, or equivalent or superseding qualification.
  • Minimum Competency Code (MCC) applies to this role. To be considered for this role an individual must be an accredited individual prior to submitting an application.
  • Minimum acceptable level of accreditation: QFA or APA Loans, APA Savings & Investments & APA Regulations.

Essential Skills and Experience:

  • Previous experience, with a proven strong track record in delivering commercial success from business development, effective needs analysis, sales delivery, risk management activities and building enduring business relationships.
  • Strong Credit experience with ability to maintain high standards in lending and good track record in submitting high quality Credit Applications.
  • Proven Track Record in achieving sales and income through quality FNR's with evidence of strong commitment to the delivery of Sales Models.
  • Strong Customer focus and proven commitment to enhancing Customer Experience and delivery of initiatives.
  • Strong external focus with good understanding of local market strategy with the ability to identify new business opportunities.
  • Ability to establish relationships with key Customers/Influencers
  • Capable of taking a Leadership role within the team.
  • Sound business acumen.
  • Thorough understanding of credit risks & business risks across sectors.
  • Understanding of SME businesses and key sectors with an ability or focus on developing business acumen and lending experience.

Key Competencies:

  • Customer Focused - Self
  • One Group, one team - Self
  • Agile - Self
  • Accountable - Self
  • Manage Risk - Self

Bank of Ireland Group is an equal opportunities employer and is committed to fostering an inclusive workplace which values and benefits from the diversity of our workforce.

Where Agency assistance is required Bank of Ireland Recruitment Team will engage directly with suppliers. Unsolicited CVs / profiles supplied to Bank of Ireland by Recruitment Agencies will not be accepted for this role.

Closing date: Jul 23, 2019
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