Banker, Personal

Job Description

To proactively manage a portfolio of retail clients by providing comprehensive, relationship-based banking solutions.

Key Responsibilities

• Establish, build and strengthen relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
• Ensure that customers are well informed with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, etc), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g. minimum account balances, provision for debit orders and cheque payments, etc).
• Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
• Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities.
• Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.

Qualifications

• University Degree

Locations include Gusau, Gombe, Sokoto, Makurdi.

Additional Information

Behavioural Competencies:

• Checking Things
• Convincing People
• Developing Expertise
• Developing Strategies
• Embracing Change
• Establishing Rapport
• Examining Information
• Exploring Possibilities
• Following Procedures
• Generating Ideas
• Impressing People
• Interacting with People
• Inviting Feedback
• Meeting Timescales
• Pursuing Goals
• Seizing Opportunities
• Showing Composure
• Taking Action
• Team Working
• Thinking Positively

Technical Competencies:

• Application & Submission Verification (Consumer Banking)
• Banking Process & Procedures
• Client Acceptance & Review
• Customer Understanding (Consumer Banking)
• Processing
• Product Knowledge (Consumer Banking)