Business Banker Job at Stanbic IBTC Bank Plc

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Job Title: Business Banker

Company: Stanbic IBTC Bank Plc

Job ID: 12645

Job Type: Full Time

Location: Lagos, Nigeria

Job Field: Banking Sales /

Marketing

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PURPOSE OF JOB:

To provide a basic, branch-based business banking sales and service facility to a portfolio of small business customers requiring uncomplicated and standardized financial product solutions.

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KEY ACCOUNTABILITIES:

• Explain, promote and sell a range of appropriate Stanbic IBTC product offerings and solutions that meet the financial needs of small business customers.

• Selling includes acquiring and opening new business accounts (walk-in customers)

• Cross-selling additional products & services to existing customers (walk-in customers, during pro-active telephone conversations).

• Identifying sales leads for associate company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); Card; etc.

• Mining existing customer data to identify expansion and/or additional business opportunities.

• Identifying opportunities to migrate top end customers.

• Providing a central "no frills" (information/ query handling) service point for a portfolio of small business customers.

• Performing a liaison role between customers and back – office service fulfillment and credit functions.

• Interacting with clients and conducting needs analyses to assist clients to better understand their financial requirements.

• Accurately and efficiently processing customer mandates/ documentation requirements for banking facilities.

• Educating clients regarding the parameters and routine procedures governing standard SME product and service offerings to ensure the correct customer behavior and product usage.

• Advice given to customers should benefit both the customer and Standard Bank. Wrong and unprofitable customer behavior should not be encouraged.

• Explain credit loan facility options and qualifying criteria to customers.

• Support customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements and management accounts.

• Process scored credit applications within the confidential limit of authority and BRI scores.

• Notify customers regarding the approval of credit loan facilities.

• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with Financial Advisory and Intermediary Service Act license categories.

• Adhering to record keeping requirements as outlined by CBN and the Nigeria Financial Intelligence Unit (NFIU).

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