1 month ago

Job Summary

The Commercial Relationship Management Officer is a part of the sales team who builds and maintains relationships with customers, develops, exploits, and consummates sales opportunities, drawing in prospective commercial & retail customers. To observe the competition to see what strategies are being used in order to stay ahead of the competition.  To contribute to commercial business development, execution of branch commercial sales plans, in order to achieve desirable profitability.  To book quality risk asset and monitor for effective and efficient performance of such loans  To foster a productive, value-adding relationship between the bank and customers.  To support the Branch Manager to grow a portfolio of profitable customers in pursuit of specific sales, service, growth, and opportunity targets  To contribute to a strong customer-focused service culture in the Branch.  Coordinating sales efforts with marketing programs.

  • Minimum Qualification:Degree
  • Experience Level:Senior level
  • Experience Length:5 years

Job Description/Requirements

Responsibilities:

Sales Management:

  • Execute branch commercial sales strategy reflective of the local market conditions to ensure that sales targets are met. This includes having product knowledge, cross-selling, and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
  • Strong communication and interpersonal skills and the ability to build and maintain relationships
  • To focus on driving customer acquisition and growing volumes, in the commercial business in the Bank through the opening of different types of accounts.
  • To give feedback to the sales team and product management in market situations on new product/existing product development/upgrade for growing small and medium scale businesses and individuals in our marketing environment.
  • Manages and maintains current commercial business relationships and seeks new accounts through sales
  • Be actively involved in instilling and maintaining a positive sales environment through education about the Bank’s products and services.
  • Effectively convert service recovery to business opportunities and sustain client loyalty.
  • Giving sales presentations to a range of prospective customers and engaging in frequent storm
  • Visiting clients and potential customers to evaluate needs or promote products and services
  • Coordinating sales efforts with marketing programs

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 fraud.
  • Discuss loan terms and conditions, and conduct collateral risk analysis to ensure compliance with the bank's policies and procedures
  • Ensure all documentation is valid and complete in the assigned portfolio.
  • Adhering to the Bank’s policies and procedures.

Financial Management:

  • Extract and analyze financial statements, cash flow forecasts, and other complex financial reports, providing an accurate assessment
  • Perform prequalification assessment and analysis of financial condition and risk of financing requests within the framework of Bank credit culture and current economic and industry trends.
  • Analyze financial statements of new customers and evaluate all loan documents.
  • Contributes to the growth of deposits, loans, and overdrafts to increase the profitability of the branch.
  • Draft and assist the Branch Managers 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 the source to prevent a 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 clients providing complete, concise portfolio valuations and guidance.
  • Serves as a problem-solver for the client, helping them identify investment criteria, and recognize and handle concerns that arise as consultation moves closer to a 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 solves 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 culture including meeting all safety and well-being compliance requirements.
  • Role model and live the Bank’s values while adhering to all corporate HR policies
  • Exhibit Good leadership skills.


Requirements:

  • Minimum of First Degree in any discipline. Additional qualifications will be an added advantage
  • Minimum of 5 - 8 years cognate experience
  • Professional Certification: CIBN
  • Experience: Sales and Marketing
  • Digitally Savvy
  • Superb interpersonal skills.
  • Good communication skills
  • A commitment to excellent customer service
  • Strategic thinking and ability to analyze and solve problems quickly
  • Ability to work well with others and lead a team

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