Job at stanbic ibtc bank vancaies

STANBIC IBTC BANK VACANCIES

Job Title: Business Banker
Job Loaction: Lagos

PURPOSE OF JOB:
To provide a basic, branch-based business banking sales and service facility to a portfolio of small business customers requiring uncomplicated and standardized financial product solutions


KEY ACCOUNTABILITIES:
•Explain, promote and sell a range of appropriate Stanbic IBTC product offerings and solutions that meet the financial needs of small business customers.
•Selling includes acquiring and opening new business accounts (walk-in customers)
•Cross-selling additional products & services to existing customers (walk-in customers, during pro-active telephone conversations).
•Identifying sales leads for associate company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); Card; etc.
•Mining existing customer data to identify expansion and/or additional business opportunities.
•Identifying opportunities to migrate top-end customers.
•Providing a central “no-frills” (information/ query handling) service point for a portfolio of small business customers.
•Performing a liaison role between customers and back - office service fulfillment and credit functions.
•Interacting with clients and conducting needs analyses to assist clients to better understand their financial requirements.
•Accurately and efficiently processing customer mandates/ documentation requirements for banking facilities.
•Educating clients regarding the parameters and routine procedures governing standard SME product and service offerings to ensure the correct customer behavior and product usage.
•Advice given to customers should benefit both the customer and Standard Bank. Wrong and unprofitable customer behavior should not be encouraged.
•Explain credit loan facility options and qualifying criteria to customers.
•Support customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements and management accounts.
•Process scored credit applications within the confidential limit of authority and BRI scores.
•Notify customers regarding the approval of credit loan facilities.
•Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with Financial Advisory and Intermediary Service Act license categories.
•Adhering to record keeping requirements as outlined by CBN and the Nigeria Financial Intelligence Unit (NFIU)


EDUCATIONAL QUALIFICATION:
Minimum of a 2.2 B.Sc degree from an acredited University

WORK EXPERIENCE:

• Minimum of 3 years relevant experience in Banking preferably in relationship/transactional banking.
• Business Assistant experience to the Business Manager is ideal.
• Previous experience within the personal/ consumer banking environment as a Customer Consultant/ Personal Banker and/or Enquiries Officer is preferable.
• This experience provides an understanding of how to interact with and sell to personal banking customers, how to open bank accounts, as well as how the principles of scored lending are applied in practice.
• Experience in Credit origination.
• Previous experience running a small business.

Mode of Application: Click here to apply

Deadline: 3rd July,2014.