About this role
JOB OBJECTIVE
Promote the image and values of the Bank under existing environment/competition, and a growing emphasis on quality customer service to ensure overall performance/profitability of the branch and customer satisfaction.
ACCOUNTABILITIES
- Identify and market prospects within the target market.
- Carry out deposit mobilization initiatives for Current & Savings Accounts (CASA) and Fixed Deposits Accounts.
- Prepare customers’ risk asset applications and collate/direct data to the approving authority through the appropriate channels.
- Ensure existing investments and liquidation are done accurately and promptly.
- Render all reports (credit/risk asset reports, deposit liability reports, and LDR status reports) to the Business Manager on a weekly basis.
- Efficiently process new investment requests and review existing investment/liquidation requests accurately.
- Ensure accurate and prompt handling of investments and liquidation processes.
- Create quality risk assets and effectively manage the balance sheet in line with targets.
- Monitor customers’ account balances consistently to identify opportunities for increasing balances.
- Stay updated on economic, financial, and political events at local and national levels that may impact deposit liability generation and credit facilities.
- Identify customers’ needs and proactively provide products/services to meet those needs, while advising on appropriate bank product selection.
REQUIRED COMPETENCIES Functional / Technical Competencies
- Knowledge of NIB Practices and Guidelines
- Credit Analysis
- Sales & Marketing Skills
- Business Acumen
- Knowledge of Banking Operations
- Product Knowledge
- Customer Needs Identification
- Analytical Skills
- Knowledge of Market & Industry
- Negotiation
- Knowledge of CBN Prudential Guidelines
- Knowledge of NIB Industry and Regulations
General Competencies
- Interpersonal Relations
- Communication Skills
Behavioral Competencies
- Empathy
- Respect for Ethical Conduct
- Initiative
- Decision Quality & Problem Solving
- Time & Self-Management
Organizational Competencies
- Execution (Bias for Action)
- Excellence (Focus on High Performance)
- Continuous Learning
- Service Excellence (Internal or External)