Assistant Relationship Manager - Nigeria Job at Standard Chartered Bank Plc

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Job Title: Assistant Relationship Manager

Job ID: 419097

Location: Lagos, Nigeria  

Job Function: Consumer Banking

Full/Part Time: Full time

Employer: Standard Chartered Bank Plc (SCB)

Job Description: Acquisition and managing of ME customer relationships through pro-active and consultative approach and detailed understanding of existing customers' businesses to enhance liabilities and revenues. The holder is to be the link between strategic and tactical / operational roles in the business.

Key Roles & Responsibilities:

•   Acquisition and managing of ME customer relationships through pro-active and consultative approach and detailed understanding of existing customers' businesses to enhance liabilities and revenues. The holder is to be the link between strategic and tactical / operational roles in the business.

•   Acquisition of profitable new customers for ME banking business through the creation, development and maintenance of high quality advisory relationships that includes effective consultative selling and creative restructuring of financial solutions (within segmentation boundaries).

•   Achieve budgeted growth in ME Banking within agreed and approved business risk parameters.

•   Deepen and secure existing and new business relationships through the analysis of needs and provision of products and services.

•   Creatively tailor products to meet individual and customer needs.

•   Analyses and reviews quality of potentials and existing business to ensure maximum profitability.

•   Manages credit quality standards through effective management of risk according to the PDDs, Departmental Operating Instructions (DOI) and other SCB/SME policies.

•   Maintain accurate and up-to-date records of all actual and attempted customer interactions.

•   Conduct customer meetings that have defined call objectives, desired outcomes and a well-constructed plan.

•   Work in close partnership with Business Analysts and Credit Managers to ensure that credit applications for new and existing facilities are correctly prepared in accordance with DOI's and PDD's.

•   After considering of individual case merits, recommend credits for approval by relevant authorities.

•   Liaise and provide leadership in areas of expertise, particularly in the provision of products and services to customers.

•   Provide feedback to senior management, marketing and product management on customer's needs and the efficiency of marketing strategies and tactics.

•   Responsible for delivering a service to customers that matches the Bank's brand promise of being "the Right Partner'.

•   Market Intelligence.

In conducting this role, valuable feedback will be obtained from:-

•   Your key customers on why they are multi-banked and why they are willing to move their entire business to SCB.

•   Sales leads arising from referrals from key customers and review of key customers larger transactions as to why they are not willing to open accounts with us.

•   Your key customers on what they think of our products and services.

•   Following up sales leads given to you.

•   Review of large transactions movements on why and where the money is going.

•   Data obtained on new accounts and why they are opening accounts with us and who their previous bankers are.

•   Other tasks as assigned by GM/Top Team SME Banking.

Qualifications & Skills:

• Minimum of a 2nd Class degree in a relevant course.

• Strong relationship management skills

• Good Communication and Interpersonal skills.

• Role holder is expected to have some knowledge and experience in offering a range of products to meet customers' needs but is unlikely to have the full knowledge and experience to offer all Consumer banking products.

In compliance with the National Youth Service Corps (NYSC) Act of 2004, all applicants should ensure that they have completed the mandatory NYSC programme. A discharge certificate will be required as evidence of completion of the programme. Where an exemption has been granted, a certificate of exemption will also be required.

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