Creating a sales and service culture

first_imgA sales and service culture is an environment in which everybody at a financial institution is motivated and well-equipped to present products to borrowers that benefit them on an individual level. The institution moves beyond viewing its customers transactionally and encourages its employees to treat all product offerings as personalized opportunities to better serve the people they engage.Products Customers Actually NeedInstead of blindly offering customers the ‘product of the month,’ members of a sales and service culture recognize the importance of individual relationships at the point of sale. All stakeholders at the financial institution are involved in creating relationships, asking questions, finding out what’s important to the customers, and identifying what’s going on in their lives. This allows institutions to encourage their staff to be relationship-oriented instead of forcing them into a sales role, which is a critical distinction for many loan officers at financial institutions. When employees understand that they can offer education and products that benefit their customers in meaningful ways, they are more likely to offer them to everyone.Results Financial Institutions WantFinancial institutions are often reluctant to incorporate non-interest income products into their portfolios out of fear that becoming sales-oriented will drive borrowers away. However, when a sales and service culture becomes a top-down part of an institution’s DNA, offering additional products becomes part of that institution’s commitment to delivering exceptional customer service. Instead of viewing extended coverage products as one-size-fits-all solutions aimed at increasing revenue, financial institutions can tailor their offerings to the individual customer, which leads to improved relationships and increased revenue opportunities. In a true sales and service culture, offering products is the norm, not an anomaly—and neither the loan officers nor the customers are surprised by the open conversation about what products would benefit the borrower. continue reading » 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

This year’s Idul Fitri traffic accidents fall by 31 percent

first_imgRead also: 710 vehicles seized for violating ‘mudik’ banNational Police traffic corps chief Insp. Gen. Istiono said 156,774 vehicles were prevented from going on mudik.“This is the longest operation we have ever done, as the usual traffic operation during the Idul Fitri holiday is normally held for 14 to 15 days. In addition to managing traffic, we urged people not to go on mudik to prevent the spread of the novel coronavirus,” Istiono said on Monday, as quoted by kompas.com.The Jakarta Police reported that 70,719 vehicles had been asked to turn around while trying to enter the capital during the traffic operation, about 29,000 of which were not allowed to enter the city between May 27 and June 7 because of the absence of an entry and exit permit (SIKM).“I appreciate all personnel from the police, military and related agencies who have worked together during this year’s Operation Ketupat,” said Istiono. (aly)Topics : The National Police have reported that the number of road accidents during this year’s Idul Fitri mudik (exodus) season was 31 percent lower than last year’s, a decline from 2,851 accidents to 1,980.The death toll decreased by 63 percent – from 1,116 in 2019 to 418 this year.Security personnel intercepted motorists intending to return to their hometowns despite the mudik ban during this year’s Operation Ketupat, a security operation during Ramadan and Idul Fitri, between April 24 and June 7.last_img read more

Pinnick, Maigari, Ogunjobi Cleared for NFF Presidency Election

first_imgThere is also Alhaji Aminu Maigari, immediate past President of NFF, who was for several years Chairman of the Bauchi State Football Association and also headed the Bauchi sub-seat for the FIFA U-17 World Cup that Nigeria hosted nine years ago.Chief Taiwo Ogunjobi, a former Nigerian international defender, also has his hat in the ring. Ogunjobi captained and administered one of Nigeria’s traditional powerhouse clubs, Shooting Stars of Ibadan, served as Secretary General of the Nigeria Football Association (2002-2005) and was Member of the NFF Executive Committee 2006-2010. He is presently Chairman of the Osun State Football Association.There is also Mr. Chinedu Okoye, proprietor of amateur league club, Bimo FC.For the 1st Vice President’s position, there are two candidates. The incumbent, Seyi Akinwunmi, whose stock has risen steeply as a result of his passion, commitment and investment in youth football development and charity, slugs it out with another South West chieftain, Otunba Sunday Dele-Ajayi.Incumbent Alhaji Ibrahim Musa Gusau will battle club proprietor, Dr. Patrick Ifeanyi Ubah for the slot of Chairman of Chairmen on the board.For other positions on the Executive Committee, Alhaji Sharif Rabiu Inuwa, a Member of the present Board, is the only candidate from the North-west.The battle in the North-central has been somewhat narrowed with the withdrawal of FCT FA chairman Musa Talle. However, Alhaji Ahmed Yusuf ‘Fresh’ and Honourable Suleiman Yahaya-Kwande, ranking Members of the Board, have to contend with Alhaji Busari Ishola, chairman of Kwara State FA.Similarly, incumbents Babagana Kalli and Musa Duhu from the North-east have to contend with Farouk Yarma Adamu.In the South-east, Hon. Chidi Ofor Okenwa (presently Chairman of the Nigeria National League), will vie with Enyimba FC chairman, Chief Felix Anyansi-Agwu (ranking Member of Board); Barrister Jude Obikwelu (Vice Chairman, Anambra State FA); Sir Emmanuel Ochiagha (Vice Chairman, Imo State FA) and; High Chief Emeka Inyama (former Chairman of the NNL and former Chairman of NFF Marketing and Sponsorship, and also Chairman of NPFL side Abia Warriors).From the South-west, only Alhaji Ganiyu Majekodunmi, chairman of Ogun State FA, is seeking an Executive Committee member position. From the South-south, Oswald Atuake from Cross River State is up against Emmanuel Ibah, chairman of the Akwa Ibom State FA.Elections into the NFF Executive Committee 2018-2022 will hold as scheduled on Thursday, 20th September 2018 in the city of Katsina.World football governing body, FIFA, has concluded plans to send a top-ranking official as an observer to the elections.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram Amaju Pinnick The coast is now clear with regards to the 20 September elections into the NFF Executive Committee 2018-2022, following the official release of the list of candidates for the polls by the NFF Electoral Committee on Friday.Four persons are battling for the presidency, including incumbent Amaju Pinnick.Pinnick, a former Chairman of the Delta State Football Association and Executive Chairman of the Delta State Commission, is the highest-placed Nigerian ever in football’s boardroom globally.last_img read more

English FA global betting ban comes into effect

first_imgThe Football Association’s global betting ban affecting players, officials and other club employees has come into effect.The new regulations ban football club employees with teams in the top eight levels of English football from placing bets on any matches and leagues worldwide.Previous rules only banned players from betting on competitions their teams are participating in, with Premier League players Dan Gosling and Andros Townsend among those to face disciplinary action for breaches.On top of that, the game has been hit by a number of match-fixing scandals with former Premier League player Sam Sodje among those arrested during investigations into corruption within the sport.The FA has released a film to clubs to explain the new rules, and general scretary Alex Horne says they will take away any grey areas.Horne told Sky Sports News: “What’s interesting is that these rules are easier to police so quite simply, if you play above Step Four (Isthmian League, Southern League, Northern League) you don’t bet on football. “It’s a much easier message to convey, to communicate and to understand if you are a player, a coach, a manager or a referee.”The previous rules were possibly a little bit open to interpretation because it was around the competitions that your club played in.”It’s a simple rule. It isn’t because we believe we have a cultural problem or an issue but it’s a perceptive issue betting on football by people playing in football.”It’s just part of our war on match-fixing. Integrity of the game in England is crucial for us and it’s what makes the English game so exceptional. It is completely trustworthy and we want to do everything we can to keep match-fixing out of our game.”last_img read more