Relationship Officer, Retail & SME Banking (Lagos)

· 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

· Degree in Finance, Accounting, Economics, or related discipline in a recognised university. A postgraduate qualification or relevant professional certification would be an added advantage.

· A minimum 4 years’ banking experience in sales and credit

· 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

· Customer growth in volume and value

· Customer experience and cross selling

· Customer satisfaction index

· Customer retention index

· Profitability rate

· Quality and Timeliness of Reporting

· 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

· Degree in Finance, Accounting, Economics, or related discipline in a recognised university. A postgraduate qualification or relevant professional certification would be an added advantage.

· A minimum 4 years’ banking experience in sales and credit

· 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

· Customer growth in volume and value

· Customer experience and cross selling

· Customer satisfaction index

· Customer retention index

· Profitability rate

· Quality and Timeliness of Reporting

· 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.