Stanbic IBTC Bank Nigeria recruitment 23rd May, 2011
Relationship Manager – Commercial Banking Suite.
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
Job Purpose
To develop and service relationships with high-end medium-sized businesses with a turnover of approx N150m – N2 billion ($1m – $16m).
To increase revenues per business relationship through targeted and innovative marketing strategies.
To create and maintain high quality assets through excellent risk and credit management.
To develop a proactive, skilled and result-oriented Commercial Banking team.
KRAs
Provides a high level of customer service to business clients and manages their day-to-day banking relationships.
Counsels client on emerging financial issues, new bank products and services, regulatory matters, and the general financial environment, in order to advise them of the impact on their personal/corporate wealth and bank-related services.
Cross-selling products to and expanding relationships with existing business customers and prospects.
Responsibility for individual sales efforts to achieve unit targets
Retention of client base through a high level of physical and telephone contact, exceptional service and needs recognition
Makes referrals to Retail branches and other lines of business when appropriate
Maximizes the department’s profitability through the maintenance of a high quality loan portfolio.
Risk Management
Ensure that products and service offerings are packaged and structured in such a way as to minimise risk and protect the interests of the bank.
Understand clients risk profile and correlation between risk vs reward by optimising product mix for clients.
Structures and negotiates loans within the authorized lending limits. Monitors current loan portfolio on an on-going basis to ensure credit quality.
Manage and control industry sector / client exposure and security held against facilities to contain risks.
Required Skills and Qualifications
Knowledge
Requires thorough knowledge of all group products and services including pricing, bank policy, government regulations and services offered by competitors.
Good working knowledge or familiarity with some computer applications – use of Microsoft Office applications, Word, Excel and Power point an advantage
A certain degree of creativity and latitude is required.
Strong presentation skills
Experience
Minimum of a 2.2 B.Sc from reputable university and a 2nd degree or a professional qualification in a related area will provide a sound foundation upon which job experience can be built.
Relationship Manager should ideally have a minimum of 3 years financial services sales or retail banking experience banking experience
Credit analysis, Consumer lending or small business lending experience an advantage
Required Competencies
Personal competencies
Professional (language, written, dress, attitude etc)
Confident disposition
Excellent communication and interpersonal skills
Reliability
Integrity & Honesty
Excellent written, verbal, presentation skills.
Strong organizational and time management skills.
Good numerical ability
Ability to work independently with limited direct supervision
Result driven
Problem solving skills
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.
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