A firm in the financial sector seeks qualified candidates to fill this role
Grade Grade/ Career Level :(BO, SBO, AM)
Reports to Team Leads
Seek and maintain customers via day to day call activities, while documenting calls made daily via a call memo. Promote the image and values of the bank under existing environment of stiff competition and a growing emphasis on quality customer service. Creation of quality risk assets and effectively manage balance sheet along target lines.
Specific Roles and Responsibilities
- Assist unit head in preparation of budget/budgetary estimates
- Prepare credit approvals memoranda (CAM) for the attention of the unit head in accordance with the Banks’ credit policy guidelines and ensure loan accounts are operated within ‘credit approval’ limits.
- Maintain a CABAL that is commensurate with budget and overall projections for the branch
- Ensure that all income are properly captured at transaction point
- Prepare customers’ loan applications and collate/direct data to the approving authority through the appropriate channels
- Effective and constant monitoring of medium level customers account balances with a view to beefing up same
- Render all credit/risk asset reports, deposit liability report and LDR status report to the unit head on a weekly basis
- Promptly process new investment request and review existing investment/liquidation request accurately.
- Appraise credit requests from customers and make appropriate recommendations to unit head
- Balance sheet management
- Keep abreast of local and national economic, financial and political events which may impact on deposit liability generation and credit facilities.
- Any other duties/functions given by the Cluster Head
- Identification and Marketing of prospects within the target market
- Gather intelligence information on product performance, customer attitudes and new business/product opportunities for the attention of the Cluster Head.
- Identify customers’ needs, proactively seek to provide products/services to meet such needs and advice on appropriate selection of banks products
- Effectively manage customer relationships (internal and external types)
- Efficiently and effectively liaise with internal departments – CSU, FTL/Clearing, Admin including other Branches and departments
- Report directly to the Team Lead or his relief
- Delegate appropriately
Key Performance Indicator
- Perspective Objective Measure
- Financial Grow Assets Risk Asset - (Achieve 100% of set target)
- Financial Grow Deposit Current Account Balances (Achieve 100% of Set Target)
- Financial Grow Deposit Savings Account Balances (Achieve 100% of Set Target)
- Financial Grow Deposit Tenor Funds
- Financial Grow Deposit Bonds & Guaranty
- Financial Grow Deposit Number of Accounts Opened
- Financial Grow FX/Trade Volume Trade Volume
- Financial NPL Ratio
- NPL Ratio must not exceed 3%
- Financial Grow Profitability PBT
- Financial Grow Revenue Grow Revenue
- Financial Grow Revenue Commission & Fees
- Financial Reduce Dormancy Rate/Activate Dormancy Rate
- Customer Franchise Customer Satisfaction
- Service Quality
- Process Usage of Alternate Channels
- Percentage of Transactions on Alternate Channels Using Cards & POS Deployed
- Process Usage of Alternate Channels ATM Uptime
- Process Operational Risk Controls and Compliance
- Number of Operational risk controls and compliance issues raised
- People Trainings
- Attend 3 Internal/External training programs.
- Minimum of 2nd class lower in first degree
- Work Experience
- Minimum of 3 years banking experience, preferably in marketing.
- Ability to identify key players in market
- Good interpersonal skills
- Ability to work under pressure
- Should be able to work with less supervision
- Show reasonable ‘Team-work’ skills
- Trace of Negotiating/Selling skills
- Good knowledge of banking operations, products & customer segmentation
- Personalities and attributes
- Aggressive pursuit of goals
- Persuasiveness and consistency
- Pleasant and friendly disposition
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