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Opening for Business Development Roles in a Commercial Bank (Nation Wide)


Business Development Roles in a Commercial Bank (Nation Wide)

Lagos, Phc, Abuja, Kano,Bauchi , Nigeria

Description

  • -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, and Observe the competition to see what strategies are being used in order to stay ahead of the competition
  • - Job Purpose
  • - To contribute to commercial business development, and execution of branch commercial sales plans, in order to achieve desirable profitability
  • -
  • - To book quality risk assets and monitor the 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 JOB 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 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 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 skill RETAIL RELATIONSHIP MANAGEMENT ROLE JOB RESPONSIBILITIES Sales management: Execute branch retail 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, especially in the area of Retail business in the Bank through 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
  • - Conduct daily meetings with other retail sales team (Marketing Associates), carrying out reviews on the previous day activities and jointly plan for the week ahead
  • - Manages and maintains current retail business relationships and seek new accounts through sales Engage in retail business development activities and solicitation of new retail business; be actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services
  • - Effectively convert service recovery to sales opportunities and sustain client loyalty
  • - The collective targets for the MAs are sole responsibilities of the Retail, RMO who supervises all the activities of MAs under his/her purview
  • - Giving sales presentations to a range of prospective customers Creatively engage customers as contactless as possible 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 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 Information Security
  • -As part of the Bank’s Information Security requirements, maintain the security of all Information entrusted to the staff and comply with the principles and policies in the Information Security Handbook

2 years ago

Job Requirement

we are looking for a candidate who fulfill these requirements

  • - Education: Minimum of First Degree in Any Discipline
  • - Additional Qualification will be an Added Advantage
  • - Specialized knowledge: 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
  • HND
  • BSC


Perks

Open to discussion

Full Time

Relevant Jobs
  • Industry: Banking
  • CATEGORY: Sales
  • Location: Lagos, Phc, Abuja, Kano,Bauchi , Nigeria
  • Start Date: 2023-01-10 12:53:47