►Specialization: Banking / Finance / Insurance
►Job Level: Experienced Hire
►Required Experience: 3 - 5 years
►Required Banking Experience: 3 - 5 years
RELATIONSHIP OFFICER - NEEDED
The Company
Keystone Bank is a full service commercial bank wholly owned by the Asset Management Corporation of Nigeria (AMCON). We have met and exceeded all capital and capital adequacy requirements of the CBN and assumed the deposit liabilities, certain other liabilities and assets of former Bank PHB Plc, following the revocation of the erstwhile bank's operating License by the CBN.
Fresh and Vibrant Graduates Needed to fill the ABOVE vacant postion;
Job Description
To build and cultivate relationships with potential/existing customers and translate those relationships into profitable business for the Bank
Duties And Responsibilities:
Act on behalf of and perform other tasks as assigned by the Branch Manager
Analyze and screen applications for credit based on the Bank’s credit risk procedures
Assist customers in the account opening process
Contribute to the formulation and implementation of strategies necessary to acquire and sustain accounts in the commercial sector of the market
Ensure timely resolution of customer complaints and issuesIdentify customer needs/buyer values and proactively seek to provide products/ services to meet the identified needs
Initiate and carry out recovery action on non-performing credit facilities on assigned accounts
Maintain a comprehensive database of existing relationships/prospects
Manage assigned credit portfolio and monitor the quality of existing credit relationships on a continuous basis
Participate in regional and other team meetings
Prepare monthly activity and performance reports for Regional Manager’s attention
Regularly contact customers via telephone calls and physical marketing visits to obtain feedback on service quality and customer satisfaction levels
Review applications for credit facility (in line with the Bank’s policy) and make appropriate recommendations/decisions
Key Performance Indicators:
% of loan recovery
% of retained customers
CASA, Tenored, PBT achievement against Target
Customer satisfaction index
Dormant/Inactive account ratio
Loan loss Provision/Total Loans and Advances
Number of Performing/Non-performing Loans and Advances
Quality of credit portfolio maintained
Quality of customer base
Revenue/customer growth rate
Minimum Education Qualifications:
First Degree from a reputable University
Post Graduate Qualifications:
A relevant post graduate qualification or higher degree (e.g. MBA) would be an added advantage
Professional Qualifications:
Membership of a relevant professional management body would be an added advantage
Skills And Competencies:
Knowledge of basic products and services in the Financial Services Industry
Possession of basic listening skills to understand customer requests
Ability to provide prompt, accurate and complete resolution to general
Requests and directs technical queries to the most appropriate solution provider
Excellent communication and interpersonal skills
Interpersonal and communication Skills
Computer Appreciation
Customer service orientation
Negotiation Skills
