Keystone Bank recruitment for a Relationship Officer, July 30th 2013

Keystone Bank is a full service commercial bank wholly owned by the Asset Management Corporation of Nigeria (AMCON) and was granted banking license on August 5, 2011, by the Central Bank of Nigeria (CBN). The Bank has 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.

Keystone Bank is recruiting :

Job Tittle: Relationship Officer

Job Discription

• To build and cultivate relationships with potential/existing customers and translate those relationships into profitable business for the Bank

• 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
• 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. 
• Ensure timely resolution of customer complaints and issues
• Identify 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

• % of loan recovery
• % of retained customers
• Number of Performing/Non-performing Loans and Advances
• Quality of credit portfolio maintained
• Quality of customer base
• Revenue/customer growth rate. 
• CASA, Tenored, PBT achievement against Target
• Customer satisfaction index
• Dormant/Inactive account ratio
• Loan loss Provision/Total Loans and Advances

• First Degree from a reputable University
• A relevant post graduate qualification or higher degree (e.g. MBA) would be an added advantage
• Membership of a relevant professional management body would be an added advantage
• Interpersonal and communication Skills
• Computer Appreciation
• Customer service orientation
• Negotiation Skills
• 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 skill