• Application Deadline:
• Position: Relationship Manager, Retail & SME Banking


• Job Type Full Time


• Qualification BA/BSc/HND


• Experience 4 - 7 years


• Location Abuja , Akwa Ibom , Cross River , Delta , Edo , Lagos , Oyo , Rivers


• Job Field Banking  , Sales / Marketing / Retail / Business Development 
  

Purpose/Job Dimension

The job holder will drive product sales and ensure growth in volume and value of accounts in line with set targets.

Key Roles and Responsibilities

• Serve as client’s advocate and trusted advisor on financial matters.


• Handle all client enquiries effectively and resolve complaints appropriately.


• Build relationships with customers and organizations.


• Build good relationship with business heads to drive products sales and acquisition within identified markets.


• Build, strengthen, and leverage internal networks, alliance partnerships and relationships.


• Sell, Cross-sell and Upsell the Bank’s products for optimum build-up of revenue.


• Implement marketing strategies / programs laid out by the Bank to boost profit.


• Listen to customer requirements and present appropriate solutions to make a sale.


• Achieve set deposit targets / Contributions by acquiring business / investment deals from Individuals and Corporate entities.


• Source clients for both savings, Current and fixed deposit accounts in line with set target.


• Create quality risk assets to meet set targets.


• Package customers’ credit requests in line with credit policies & procedures of the bank


• Monitor and ensure customers’ compliance with credit agreements.


• Manage client expectations regarding what can and cannot be done by the Bank.


• Ensure proper know your customer (KYC) requirements are conducted on customers.


• Draw up work schedules for identifying and marketing prospective customers.


• Maintain good public relations with current and prospective customers.


• Plan and report on Marketing calls for the unit.


• Monitor the unit’s performance against monthly/quarterly/annual plans.


• Deliver high-quality client service and customer retention approach to manage client relationships and enhance product sales.


• Achieve agreed individual performance targets for deposit growth, income generation, product sales and new client growth targets.

Required Skills and Competencies    

• Business acumen and analytical skills


• Excellent Relationship Management and interpersonal Skill


• Good level of computer program (MS. Word & Excel)


• Good understanding of business process


• Attention to detail.


• Enthusiastic, passionate with a commitment to delivering exceptional standards of customer service always.


• Proactive decision-maker


• Analytic skills/Problem Solving.


• Unquestionable integrity and high level of commitment

Experience and Qualifications    

• Degree in Finance, Accounting, Economics, or related discipline in a recognized institution. A postgraduate qualification or relevant professional certification would be an added advantage.


• A minimum 4 – 7 years’ continuous banking experience in sales and credit with a minimum of 2 years in a supervisory position for more experienced candidates.


• Good knowledge of Basic Accounting and Financial Analysis, Business Law, Business/Financial Advisory services, Banking Operations, Leasing, Trade Services, Laws, and regulations relating to Banking.


• Credit Risk Assessment and Analysis skills, relationship management and networking skills, excellent business writing and presentation skills.


• Good understanding of economic trends and implications on the banking/finance sector

Key Performance Indicators    

• Customer growth in volume and value


• Customer experience and cross selling


• Customer satisfaction index


• Customer retention index


• Profitability rate


• Quality and Timeliness of Reporting