Job Title: Business Banker
(Lagos)
Job ID: 12867
Location: Nigeria
Division: Business
Banking
Position Category:
Sales
Employment Type: Full Time - Permanent
Shift: No
Regulatory
Approval: Yes
Post Closing Date:
Aug 31, 2015
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:
•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)
Full job details
Division Proposition
Standard Bank is the largest bank in Africa and our highly
visible brand, award-winning service, and strong global presence helps us
maintain our market-leading position. We place huge value on the talent of our
people to drive our continued success, and to support our plans for growth. We
now need a talented and resourceful to
help us fulfil our business objectives and build customer loyalty.
KEY 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 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
EDUCATIIONAL
QUALIFICATION:
Minimum of a 2.2 B.Sc degree from an acredited University
WORK EXPERIENCE:
Minimum of 3 years relevant experience in Banking preferably
in relationship/transactional banking.
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.
Required Competencies
TECHNICAL COMPETENCIES:
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 set backs, 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.
We are an equal opportunities employer and are totally
opposed to discrimination in any form. It is our policy to provide equal
employment opportunities for all employees regardless of race, sex, colour,
nationality, national or ethnic origin, sexual orientation, marital /
partnership status, religion, age or disability.
To apply, visit:
http://corporateandinvestment.standardbank.co.za/pages/careers_rms/nigeria/jobs.html
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