Business Advisor, Retail SME, Level 3, Waterford

Date: 23-Jun-2022

Location: Waterford, IE

Company: Allied Irish Bank

Role: Business Advisor – Retail SME

Location: Waterford/Hybrid Working


This role is being offered on a Permanent basis.


Summary of role

In Retail SME, our purpose is to be the trusted partner that backs our Customers, enabling and empowering the Businesses in our Community to prosper. The Waterford team is a dynamic team that works together to drive business in the community. A vacancy exists for a Business Advisor on the team. The role holder pro-actively manage and develop a portfolio of customers across a number of industries providing the highest standards of customer service and deliver agreed business performance. In Retail SME, we are committed to hybrid working and the role holder will have flexibility in how they manage their portfolio, interact with the team and drive business in the community.


What you will be doing:

  • Management of the business performance of the portfolio under all KPI’s, activities and behaviours and provides weekly business update to Team Lead.
  • Delivers all business objectives including SME & F&L loan targets, CFP targets, and related cross sell / penetration of products suitable for the SME sector, including Homes referrals, CTS & Invoice Discounting. 
  • Develop and apply compelling customer insights, such as knowledge of customer’s product preferences, business strategy or challenges, to generate recommendations for customer-centric solutions.
  • Proactively identifies potential customers and builds a healthy pipeline of leads and opportunities. Converts pipeline, focusing on tailored customer needs.
  • Cultivates and maintains business relationships, partnerships and alliances internally, externally and virtually with key stakeholders to develop and grow customer accounts.
  • Build partnerships and work collaboratively with the Centre of Excellence Team to meet shared objectives.
  • Complete all New Money application activities for transactions above a specified threshold in accordance with credit/risk standards.
  • Understands and analyses factors impacting the risk of providing a particular product for an existing or potential customer in a timeline and accurate manner.  
  • Management of the portfolio from a credit and risk perspective, ensuring that adherence to AIB policies, procedures, SME regulations and codes of best practice are appropriately monitored.
  • Builds effective relationships with internal stakeholders across the bank and critically with colleagues in Local Markets to grow AIB’s SME business.
  • Ensure that there is collaborative and meaningful engagement with your colleagues in the Community Pillar to meet shared objectives.
  • Manage the servicing requirements of customers on portfolio, directing customers to the most appropriate channel to fulfil their needs.  


Who are we?

We’re AIB. A strong Irish bank packed with purpose - to back our customers to achieve their dreams and ambitions. That goes for our employees too – everything starts with you. We’re made of small teams where you have the chance to shine, so whoever you are, whatever you dream of, we back you.


Why join us?

We are excited about how we have changed our focus. We want to be at the heart of our customers’ financial lives by giving them an exceptional experience. We are building a culture that breaks the conventions of what our customer and employees expect of a bank.


In AIB, we are currently transitioning to our Hybrid Model and teams who have been working remotely are now returning to the office 2 days per week.  We intend to progress our fuller hybrid working plans in the coming months, where onsite days are focused on purposeful attendance, prioritising time to collaborate, connecting with our teams and wider colleagues.

Does this sound like something that you want to be part of?


You will need to show us that you can/have:

  • Minimum experience of 2 years in Business Banking, with strong credit competence and broad sectoral understanding and local competitor activity.
  • A self-starter with strong customer relationship management experience to include business development, commercial negotiation & risk/portfolio management. 
  • Proven track record of managing and delivering stretching targets including new business acquisition.    
  • Minimum requirement of APA Loans and APA Savings & Investments. QFA preferable.
  • Understanding and knowledge of all relevant systems including NAPS, nCino, Credit Grading, FDCT, CMS, WDS, Excel, Microsoft Dynamics


If you feel you have what it takes, click apply and fill in the online application form. If you would like more information, the Talent Acquisition Team can help. You can contact them on


By when?  Closing date is Wednesday 13th July 202

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