Candidatul Ideal
- manage Branch resources and are responsible for selling corporate banking/leasing products
- are responsible for the achievement of overall branch targets (defined sales targets) by generating new business and cross-product sales
- ensure that business objectives are understood by your team members/employees
- grant lines of credit and the related conditions within competence
- monitor progress versus objectives and the respective branch operations reports
- ensure compliance with bank rules, regulations and procedures.
Descrierea jobului
- Be able to use front-office applications during sales and post-sales moments with enterprises (e.g. mortgages disbursement..)
- Be able to assess corporate customer's credit worthiness and credit risk based on internal credit guidelines to determine the most suitable credit product and conditions
- Knowledge of cash management products to provide proper solutions for enterprises
- Knowledge of different current accounts, debit cards and credit cards to offer proper solutions to customer needs
- Knowledge of factoring and leasing products to offer proper solutions for individuals and enterprises
- Knowledge of structured finance products to propose customized solutions for enterprises
- Knowledge of lending products, such as mortgages, to identify appropiate solutions for enterprises
- Knowledge of non-life insurance products to offer appropiate solutions for corporates
- Knowledge of trade finance products and solutions, such as promissory notes or bills of exchange to identify appropriate solutions that minimize trade risks for enterprises
- Be able to translate vision and strategic guidelines in quantitative estimates. Be able to identify short-medium term initiatives for reaching targets
- Be able to: - identify KPIs to measure the performance of an initiative / plan - monitor the identified KPIs - identify specific actions to address potential gaps
- Be able to analyze consolidated financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and position
- Be able to analyze stand-alone financial statements, e.g. evaluating main/critical items, trends, ratios, overall financial performance and position
- Be able to use tools that manage interactions with customers such as technical support, customer services, after-sales support and direct communication
- Be able to identify the fair price for a specific product/solution to be sold to a specific customer and be able to finalize the sale with the proposed price by interacting and negotiating with the client
- Be able to manage directly a portfolio of clients, including monitoring and detecting/flagging changes, by periodically interacting with them
- Be able to manage communication with customers to ensure a consistent and satisfactory customer experience, be able to understand their potential needs or problems and to find the best fitting solution
- Be able to sell products to the clients "face to face"
- Be able to plan in the short-medium term and execute activities aiming to acquire new customers, by identifying commercial attraction vehicles
- Be able to. - monitor clients' portfolio - identify and track overdraft, past due, potential other issues and communicate it to the "owner" of the customer relationship (e.g. corporate advisor)
- Knowledge of overall value proposition/product catalogue of the bank in order to suggest to the customers the right product (or bundling of products) for them, by analyzing their financial situation at 36°
- Be able to achieve and maximize a result by proactively collaborating with the people involved in the activity, through listening, discussion, conflict management and proactive communication
- Be able to produce thoughts using logic and reasoning in order to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems
- Knowledge of specific Bank Regulations to act properly, identify possible deviations and corrective measures. Furthermore, for Control Functions it includes knowledge of the regulatory framework for the regulation in scope/of competence, to provide regulatory advice and /or monitor and track second level controls and /or support risk assessment activities
EXTRA Benefits Package
- Learning programs throughout your journey with us
- 13th-month salary
- Meal vouchers worth RON 40
- Private medical subscription
- Easter and Christmas bonuses of RON 300 each
- A day off for your birthday
- Special rates for sports activities
- Exclusive discounts from over 100 partners
Protecting your personal data is a priority for us. By applying for this position, you confirm that you have read and understood the details regarding the processing of personal data, available at the following link:
www.unicredit.ro/notificari/GDPR.pdf.
Descrierea companiei
We are a pan-European bank!
We provide high-quality financial services across 13 countries in Western, Central and Eastern Europe, and our purpose is to empower communities to progress. We serve more than 15 million customers worldwide and are a team of over 81,000 international colleagues.
In Romania, we are one of the leading financial institutions, thanks to our 3,100 colleagues working in Bucharest and across our Retail and Corporate branches nationwide.
Digitalization and our commitment to ESG principles are key drivers of our services and products. We are dedicated to creating a sustainable future for our customers, our communities and our people.
At UniCredit, we are not afraid to think big. We believe in the power of our industry and the positive impact it can have when it works as it should. We aim to excel in everything we do, bringing both quality and personality to our work, so that at the end of the day, we can be proud of what we have achieved.
The experience we offer, both to our customers and our employees, is extremely important to us. We are committed to building sustainable banking, developing long-lasting relationships based on trust and fostering a positive working environment. We rely on one another, put our hearts into what we do and take pride in the way we choose to do things: with integrity, accountability and care for those around us.
Choose to work for one of the leading banks in Romania and Europe, within an international Group where diversity is a valuable resource and where you have the opportunity to fulfil your ambitions and make a difference.
Join UniCredit. Join our team!
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