Branch Commercial Team Member

Branch Commercial Team Member

Job Title: Branch Commercial Team Member

Location: Lagos

Job Type: Full time

Job Summary

• The role holder is to provide exceptional customer service and support the daily operations of the branch.
• You will work closely with customers, colleagues, and managers to ensure a smooth and efficient banking experience for all.

Key Result Areas

Products Development:

• Identify types of retail & commercial banking and financial service products and services that best serve specific needs and objectives customers.
• Propose relevant financial or banking instruments to serve specific customer needs and objectives.
• Analyze the risks and profitability of various retail & commercial banking and financial services of products.
• Identify the impact of market forces on the performance of the Bank’s products and services.

Market Place Knowledge, Strategic and Conceptual Selling:

• Possesses a comprehensive understanding of relationship management strategies and techniques.
• Demonstrates skill in building and nurturing client relationships.
• Conducts regular client meetings and discussions to understand their needs and preferences.
• Collaborates with internal teams to deliver exceptional client service and support.

Credit Risk Management:

• Evaluate customer financial strength based on reputation of customers, repayment history, adequacy of equity capital, volatility in sources of funds intended to be used by customers for repayment of loan along with interest, value of collateral and dependence level on economic condition of customers.
• Evaluate credit rating or scoring by conducting detailed analysis on customer character and matching of facility characteristics to be extended.
• Develop the terms and conditions such as interest rates, payment period and payment options etc. according to customer’s needs and results of risk assessments.

Customer Relationship Management:

• Understand the principles and steps in handling customers’ complaints in order resolve the case independently.
• Understand the importance of co