Job Description

Sales Planning
• To develop branch sales plans in line with regional sales plans.

• To identify sales opportunities, formulate and manage execution of sales plans and campaigns.

• To acquire new leads (e.g. through corporate talks, networking with agents, lawyer, developers)

• To assign sales leads and referrals (if any) to sales team and ensure prompt attendance and follow up is taken.

• To effectively manage the target setting and cascading processes by:

- Reviewing sales target for branch sales team jointly with Regional Director.

- Allocating and communicating targets to branch sales team.
Sales / Operations Management
• To manage branch sales team to deliver optimal performance by:

─ Performing all institutionalised DRM and sales management routine according to the required frequency.

─ Motivating, coaching and counselling branch team.

─ Monitoring team's performance and exploring opportunities to improve perfomance levels.

─ Ensuring sales team is updated on latest product information and sales effectiveness techniques (i.e. engage Segment Support to conduct Sales Clinics)

• To manage day-to-day branch operational and physical activites.

• To resolve operational and admnistrative issues and escalate all critical or unresolved issues to Regional Director.
Sales Execution
• To approve fully collaterised personal loans (e.g, OD, ASB) up to RM1,000,000

• To approve FD rate exceptions (max. 5 basis points)

Customer Relationship
• To develop and implement strategies to improve customer waiting time and deliver high Service Quality 

• To build and maintain long term and profitable relationship with key customers, including major depositors and valued customers.

• To resolve customer and sales team-related issues and escalate all crictical or unresolved issues to the RD.

• To actively obtain feedback from customers  and branch sales team on areas of improvement (e.g. product, process, pricing, competitor information) and channel feedback to RD.

• To ensure turnaround times for credit applications, approvals, and disbursement are within required service levels.
Compliance
• To manage annual financial budgets, monitor budget utilisation and profitability of branch through effecitve asset and human capital management.

• To comply with all reporting requirements including:

- AMLA (daily) & SHARP (daily via system, review of digital video recording forthightly) to be submitted to MOS

- Branch Services/ Merchandising and Housekeeping Audit (monthly) to be submitted to MOS

- Monthly Feedback Reporting to be submitted to RD and 

- Branch monthly minutes of meeting to be submitted to RD and MOS.

• To ensure branch team adheres strictly to CIMB policies and procedures, including credit control procedures, audit compliances and BNM guidelines 

• To maintain strict control over credit risk:

─ Appropriately use of approval authority for daily overdrawan amounts, waivers of late charges.

─ Reviewing and recommending credit applications with strict adherence to CIMB Bank's credit policy 

─ Act as a Chairman of the branch OSHA Committee
People Management
• To participate in the selection and recruitment of branch team members

• To conduct formal performance appraisal and perform career planning for branch team members (e.g. recommendation for promotion, training needs and internal transfer).

• To ensure branch team members attend designated training 

• To manage branch sales team to deliver optimal performance by coaching, motivating and exploring opportunites to improve performance level.

• To provide leadership and guidance to all branch staff to ensure effective coordination and drive cost selling activities.

• To maintain an environment which promote success, teamwork and professional growth