Stanbic IBTC Bank is recruiting for fulltime Personal Banker - Enugu.
Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 150 years, and now spans 16 countries across the African continent.
Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for resourceful individuals to join our dedicated team at our offices.
Proactively promote a relationship-based offering through operating as a dedicated and primary point of contact for customer in the branch, providing banking solutions which meet the customer’s needs in accordance with each of personal banking segment’s value proposition
Retain customers (Blue, Silver and Gold) as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy
Liaise effectively with the sales team to ensure seamless transfer of clients after sale has been concluded to relationship management
Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective
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
Conduct a comprehensive calling/contact management programme for all customers aligned with the cost to serve proposition
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.
Min Required Experience:
Preferred Qualification and Experience
A Bachelor's Degree in any related field
Minimum of Second Class Lower (2:2) division
0-2 years banking experience, preferably interfacing with customers.
Strong relationship management background.
Experienced in upholding the highest levels of service.
Experience in completing credit applications successfully
Deep knowledge and understanding of the different personal and segment value proposition
Knowledge of local market environment and financial issues that may impact portfolio
Working knowledge of bank systems and operations
Thorough understanding of credit principles as well as application and maintenance processes
Knowledge of the banks organogram and awareness of relevant reporting lines
Interpret financial statements; assess sources of income and basic customer affordability calculations (debt to income ratio, loan to value ratio, instalment to income ratio, etc)
Demonstrate high levels of computer literacy - able to capture/update customer database, successfully complete product/lending applications, ensure credit maintenance, etc.
Proficient in Microsoft word and excel.
Ability to multi task
Ability to handle matrix reporting
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About Stanbic Ibtc Bank
Headquarters:I.B.T.C. Place Walter Carrington Crescent, VICTORIA ISLAND, Nigeria
Stanbic IBTC Bank PLC is a Nigeria-based financial institution engaged in the provision of corporate, investment, business and personal banking products and solutions. The Bank is active within the th...Know More about Stanbic Ibtc Bank
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