• Application Deadline:
• Position: Relationship Management Officer


• Job Type Full Time


• Qualification BA/BSc/HND


• Experience 3 - 6 years


• Location Not specified


• Job Field Sales / Marketing / Retail / Business Development 
  

JOB DESCRIPTION

• Deposit mobilization


• New Customer acquisition


• Relationship management.


• Creation of quality risk assets


• Generation of commercial businesses e.g. Trade Finance and Off- Balance Sheet transactions.


• Grow revenue on a month on month basis


• Deploy the bank’s e-channels across different customer segments


• Onboarding of customers across the bank’s digital channels


• Contribute significantly to the branch’s profitability

 Risk management:

• Ability to identify an acceptable level of lending risk, in line with the bank’s risk appetite statement and to maximize profit from that transaction.


• Comply with the Bank’s complaint resolution process to resolve the matter, maintain our high service standards and mitigate further risks / losses.


• Minimize risks through adherence to KYC compliance as per the bank policies and procedures in all your operations to minimize losses due to frauds.


• Discuss loan terms and conditions, and conduct collateral risk analysis to ensure compliance with the banks policies and procedures


• Ensure all documentation is valid and complete in assigned portfolio.


• Adhering to the Bank’s policies and procedures

Financial management:

• Extract and analyse financial statements, cash flow forecasts and other complex financial reports, providing accurate assessment


• Perform prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.


• Analyze financial statements of new customer and evaluate all loan documents.


• Contributes to the growth of deposits, loans and overdrafts to increase profitability of the branch.


• Draft and assist the Retail Cluster Head to complete deposit funding and credit proposal papers.


• Negotiating all contracts with prospective customers


• Answering customer questions about credit terms, products, prices and availability

Customer service:

• Deliver and always maintain customer service standards, for improved service delivery.


• Log customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.


• Provide appropriate products and services via the most suitable channel to ensure that customers’ needs are met.


• Offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.


• Consistent and frequent communication with client providing complete, concise portfolio valuations and guidance.


• Serves as a problem-solver for the client, helping them identify investment criteria, recognize and handle concerns that arise as consultation moves closer to decision.


• Complies with the use of appropriate processes and procedures expected of all members of staff who are constantly in contact with the customers.


• Advice customers on financial services


• Handles customer complaints and solve problems


• Engaging customers on banking products and services


• Approach and sign on new customers

People management:

• Collaborate with peers in the branch to ensure effective support and service delivery.


• Contribute to developing a positive and proactive Safety and Wellbeing culture including meeting all safety and wellbeing compliance requirements.


• Role model and live the Bank’s Values while adhering to all corporate HR policies


• Exhibit Good leadership skill


• Has a direct responsibility and accountability for the performance of all MA in the branch

JOB EXPERIENCE

• Education: Minimum of First Degree in Any Discipline. Additional qualification will be an added advantage


• Specialized knowledge: Minimum of 3-6years cognate experience


• Professional Certification: MBA/ CIBN


• Experience: Sales and Marketing


• Digitally Savvy


• Have good Industry knowledge vis a vis deposit and lending dynamics and application in customer acquisition and retention


• Must be able to work effectively in a team to achieve a common goal


• Possess good credit knowledge


• Superb interpersonal skills.


• Good communication skills


• A commitment to excellent customer service


• Strategic thinking and ability to analyze and solve problems quickly