Job Title: Business banker
Job ID: 10554
Job Sector: Banking
Job Location: Lagos Mainland
Job Description
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 Responsibilities/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 telephonic 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.
Preforming a liaison role between customers and back - office service fulfilment 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 behaviour and product usage.
Advice given to customers should benefit both the customer and Standard Bank - wrong and unprofitable customer behaviour should not be encouraged.
Desired Skills and Experience
Minimum of 3 years relevant experience in Banking preferably in relationship / transactional banking.
Business Assistant experience to the Business Manager ideal.
Experience in Credit origination
Previous experience within the personal / consumer banking environment as a Customer Consultant / Personal Banker and / or Enquiries Officer is preferable.
Previous experience in running a small business
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
Knowledge/Technical Skills/Expertise:
Customer Understanding
Product Knowledge
Banking Process and Procedures
Sales Planning and Reporting
Interpreting Financial Statements
Loan Assessment and Approval
Financial Industry Regulatory Framework
Application Closing Date
24th June, 2015.
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