Vacancy Title : Business Support, Business Banking Dublin North
Who are we and what do we do?
AIB is a dynamic and diverse place to work. We are changing from the inside out to become a bank people can believe in. And by people, we mean our employees as well as our customers.
Our vision in Local Markets is to be the best Bank in every community. Customer focussed and dynamic, driven by empowered people and an agile mind-
set and approach, with teams executing brilliantly every day, consistently outperforming the market and generating value for AIB.
The Business Banking or SME Pillar is a significant part of this vision and building high performing teams is key to its success.
The Business Support role will support the Business Advisors and New Business Advisors in developing, maintaining and managing relationships for an assigned portfolio of customers, and new to bank customers, ensuring the customer receives consistently exceptional service whilst leveraging their relationships to identify new business opportunities and grow the customer base.
The role will complete all credit fulfilment, ongoing credit management and reviews on behalf of the SME function, with a key focus on accuracy of information and speed of delivery in order to provide exceptional customer service and drive efficiency and productivity in SME Operations.
Key accountabilities for the role are as follows :
Business Advisor / New Business Advisor Support
Supports Business Advisors / New Business Advisors in managing and developing relationships, and identifying new business opportunities, with existing and New to Bank customers, to achieve Sales and Income goals.
Supports Business Advisors / New Business Advisors to deliver highly compelling service propositions for customers.
Deals with all customer queries and daily banking enquiries, navigating AIB and leveraging the full suite of AIB products, tools, services and channels to deliver exceptional customer service and experience.
Completes well-written, balanced credit applications, ensuring that a minimum of one review per connection is completed within 12 months where required.
Undertakes detailed financial analysis to anticipate potential issues and ensure that any negative trends are identified, discussed with the Business Advisor and actioned with the borrower.
Credit Fulfilment & Support
Supports the SME team in all credit fulfilment, ongoing credit management and review requirements, ensuring accuracy of information and speed of delivery in order to provide exceptional customer service, while also meeting all legislative and compliance requirements.
Manages the credit fulfilment process, coordinating with relevant internal and external stakeholders in order to gather the required information and sign-
offs to complete the letter of offer.
Ensures all relevant information is gathered to satisfy any covenants and special conditions requirements.
Escalates any significant issues in credit fulfilment process to relevant Business Advisor and / or Team Leader to ensure swift resolution.
Monitors and manages workflow diary, coordinating with Business Advisors in communications with customers in order to ensure requirements are met and any breach of conditions avoided.
Conducts necessary Anti-Money Laundering and Fraud processes including administration of MLO duties, ongoing Due Diligence processes and communication of Fraud / CJA notices / legal tracers.
Risk, Regulatory and Compliance
Ensures personal adherence to AIB standards of credit management, legislative compliance and operational excellence requirements, and proactively keeps up to date with the evolving regulatory landscape.
What will you need?
Credit competence and experience
Knowledge of all AIB SME offerings and an awareness of AIB Personal and Housing product offerings
Knowledge and experience of SME business banking
Understanding of the wider industry, local market context and local competitor activity
While QFA is preferable, minimum requirement of APA Loans and APA Savings & Investments
In line with our commitment to deliver the most superior experience to the customer, successful candidates will be required to have completed the Qualified Financial Advisor (QFA) qualification or to complete the QFA qualification within two years of their appointment date.
Please note : The Minimum Education requirements for entry to AIB is 5 passes in the Leaving Certificate (or equivalent), to include a pass in English and Maths.
These must be achieved at either Ordinary or Honours Level. Confirmation of this will be sought if successful for the role.
What else should you demonstrate?
As part of the selection process, the successful applicant will be expected to demonstrate the competencies reflected below
Results Focus : achieving results resiliently
Problem-Solving & Decision-Making : making timely, quality decisions
Communication & Influencing : genuine two-way communication to achieve consensus and progress
Customer Relationship Management : Engaging the Customer and adding value
Banking & Regulatory environment