About this role
About the Role Responsible for supporting the retail banking strategy by cultivating and managing customers in the assigned industry and delivering a full spectrum of financial services to drive branch performance and customer satisfaction. This role includes credit appraisal, portfolio management, and proactive product advisory to meet customer needs while ensuring compliance with bank policies. What You'll Do
- Conduct appraisals for new credit requests and expiring facilities.
- Ensure existing investments and liquidation are done accurately and promptly.
- Appraise credit requests and make recommendations to management.
- Maintain fixed deposit accounts.
- Prepare and submit credit returns to management.
- Manage the branch balance sheet and monitor customers’ account balances.
- Keep abreast of local and national economic, financial, and political events that may impact deposit liability generation and credit facilities.
- Ensure credit approval memoranda meet the bank’s credit policy guidelines and loan accounts are operated within credit approval limits.
- Identify market prospects within the target market.
- Identify customers’ needs, proactively seek to provide products/services to meet such needs and advise on appropriate selection of bank products.
- Review strategies to ensure excellent, efficient, and comprehensive customer service. What We're Looking For
- Credit Analysis
- Sales & Marketing Skills
- Business Acumen
- Knowledge of Banking Operations
- Product Knowledge
- Customer Needs Identification
- Analytical Skills
- Knowledge of Market & Industry
- Negotiation
- Cost Management
- Knowledge of CBN Prudential Guidelines
- Operational Risk Management
- Guiding Sales Opportunities
- Strategic & Conceptual Selling
- Knowledge of NIB Industry and Regulations
- Interpersonal Relations
- Communication Skills
- Empathy
- Respect for Ethical Conduct
- Initiative
- Decision Quality & Problem Solving
- Time & Self-Management
- Execution (Bias for Action)
- Excellence (Focus on High Performance)
- Continuous Learning
- Service Excellence (Internal or External) Compensation & Benefits
- not specified Industry Finance