Latest Banking Job Vacancies in Calabar Cross River State

Latest Job Vacancies in Calabar Cross River State

BUSINESS BANKER (CALABAR)Job ID7242
Location Nigeria
Division Personal and Business Banking
Position Category Sales & Marketing
Employment Type Full Time – Permanent
Shift No
Regulatory Approval Yes

Position Description
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/KRA
• 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).
Required Skills and Qualifications
EDUCATIONAL QUALIFICATIONS
• Minimum of a degree from a reputable University

PERSONAL SKILLS
• Leadership and assertive skills
• Conceptual, Innovative and Analytical
• Customer-service oriented
• Excellent verbal communication skills
• Good presentation and negotiation skills
• Organized and Result-oriented
• Socially Confident: Enjoys meeting people, puts people at ease, is good with words and knows what to say (even when communicating disagreeable information).
• Persuasive: Enjoys selling and negotiating, changes the opinions of others, is convincing with arguments.
• Critical: Good at probing the facts, challenges assumptions, sees disadvantages.
• Innovative: Generates ideas, shows ingenuity and design solutions within product parameters.
• Systematic: Likes to get every detail right, methodical and organized, precise, accurate, neat and tidy with paperwork.
• Conscientious: Completes jobs, plans and sticks to deadlines and perseveres with routines.
• Resilient: Maintains enthusiasm despite setbacks, is rarely upset by criticism, and is emotionally restrained.
• Displays empathy and helpfulness towards others.
• Integrity and honesty is regarded as crucial and not negotiable.
• Drive
• Results orientated: Strongly motivated to compete and achieve impressive results, strives to improve, has a “can do” attitude and enjoys challenges.
Required Competencies
WORK EXPERIENCE
• Minimum of 3 years relevant experience in Banking preferably in relationship/transactional banking

TECHNICAL COMPETENCIES
• 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.

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PERSONAL BANKER (CALABAR)
Job ID7241
Location Nigeria
Division Personal and Business Banking
Position Category Sales & Marketing
Employment Type Full Time – Permanent
Shift No
Regulatory Approval Yes

Division Proposition
Work with Standard Bank and join a dynamic team of professionals proud to be voted the Best Bank in Africa for three years running. Our core values of service and innovation are at the heart of our business, and our global workforce benefits from our unique culture of empowerment and independence, enabling us to maintain competitive advantage in the world’s premier financial markets
Position Description
Purpose of the Role
• Provide an efficient and technical proficient personal banking service and support to a portfolio of branch based Gold segment clients
• Achievement of acquiring, expansion, cost management and customer retention targets
• Provide customers with basic day-to-day services

Accountabilities/KRA:
• Motivate credit applications for facilities according to laid down procedures.
• Selling the gold products through every opportune interaction moment with customers and prospective clients to meet the sales target in volume and value terms.
• Strategize on marketing the products to beat the other players on the market i.e. competitors.
• Advice customers as well as prospective clients on all banking issues as well as financial matters. Advise management on preferred changes in offering services to customers basing on their feedback.
• Maximising return from existing and new customers on banks product through cross selling offered by other business units.
• Identify major risks affecting clients and to ensure necessary steps are taken to measure, monitor and control these risks.
• Portfolio management to ensure low risk and minimum write offs.
• Prepare facility letters after vetting from credit department within turnaround times.
• Action queries and instructions from clients.
• Explain products and procedures clearly and in a factual manner.
• Collect all necessary mandates forms for new accounts.
• Open accounts according to laid down procedures.
• Attend to renewal and early repayments of investment accounts.
• Portfolio Management- ensure that all records are kept in order and up to date.
• Ability to sell Gold products such as VAF, Home loans and Investment products.
• Ability to work independently with minimum supervision in the branch of domicile.
• Ability to relate amicably with credit dept. to motivate for credit approval within a reasonable time frame.
Required Skills and Qualifications
Minimum qualification:
• Minimum of a 2.2 BSC degree in any behavioral Sciences.
• Masters or professional qualification will be an added advantage.

Personal Skills:
Detail conscious- methodical, accurate, precise and systematic.
Complete job once started. Concerned about meeting deadlines.
Emotionally mature- remains calm under pressure avoids outbursts.
Integrity- does what he/she will do, is reliable and consistent.
Sociable- puts people at ease, is quick to establish rapport.
Data rational- is good with data, operates on facts.
Strong service ethic.
Service focussed – goes extra mile in ensuring that needs of others are met and surpassing clients expectations.
Result oriented- ensures tasks result in required output.
Adhering to our Vision and Values
Team player.
Required Competencies
Work Experience
• Minimum of 2-3 years experience of Product knowledge (general as well as investment related), competitors and competitor’s offerings and all Bank processes and branch procedures.
• Good knowledge of local market.

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