Ongoing Recruitment at Stanbic IBTC Bank, August 2018
Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 150 years, and now spans 16 countries across the African continent.
Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for resourceful individuals to join our dedicated team at our offices.
We are recruiting to fill the position below:
Job Title: Personal Banker - Oyingbo
Job ID: 33931
Location: Lagos Island
Job Sector: Banking
Job Purpose
- Proactively promote a relationship-based offering through operating as a dedicated and primary point of contact for customer in the branch, providing banking solutions which meet the customer’s needs in accordance with each of personal banking segment’s value proposition.
Key Responsibilities/Accountabilities
- Retain customers (Blue, Silver and Gold) as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy.
- Liaise effectively with the sales team to ensure seamless transfer of clients after sale has been concluded to relationship management.
- Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.
- Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
- Conduct a comprehensive calling/contact management programme for all customers aligned with the cost to serve proposition.
- Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
Preferred Qualifications and Experience
- A bachelor’s degree in any related field
- Minimum of Second Class Lower (2:2) division
- 0-2years banking experience, preferably interfacing with customers.
- Strong relationship management background.
- Experienced in upholding the highest levels of service.
- Experience in completing credit applications successfully
Knowledge/Technical Skills/Expertise:
- Deep knowledge and understanding of the different personal and segment value proposition.
- Knowledge of local market environment and financial issues that may impact portfolio.
- Working knowledge of bank systems and operations
- Thorough understanding of credit principles as well as application and maintenance processes.
- Knowledge of the banks organogram and awareness of relevant reporting lines.
- Interpret financial statements; assess sources of income and basic customer affordability calculations (debt to income ratio, loan to value ratio, instalment to income ratio, etc).
- Demonstrate high levels of computer literacy - able to capture/update customer database, successfully complete product/lending applications, ensure credit maintenance, etc.
- Proficient in Microsoft word and excel.
- Time management
- Ability to multi task
- Ability to handle matrix reporting.
Interested and qualified candidates should:
Click here to apply
Job Title: Asset Custodian - Oke Arin
Job ID: 33930
Location: Lagos Island
Job Sector: Banking
Job Details
- Retail & Business Banking
Job Purpose
- To ensure the availability of treasury cash, reserve and blank forms.
- Ensure the availability of a fully functional cash service to tellers including the custody and balancing of vault cash, processing of vault deposits, withdrawal and handling of related reports.
- Control treasury cash, blank forms, safe custody items and duplicate keys.
- Understand and manage the risks associated with the custody of these items as well as the changes in the custody of assets through effective system controls.
Key Responsibilities/Accountabilities
Asset custodianship:
- Custodian of treasury cash, reserve, blank forms and keys & cash
- Ensure that the correct procedures for handling and movement of cash assets in the branch are adhered to.
- Ensure that the correct security procedures are adhered to when cash is moved to agencies and delivered to/collected from Cash Management Unit.
- Effective cash management to ensure vault approved limits are adhered to.
- Receive notes and coins from tellers to be lodged into the vault.
- Check physical cash received / evacuated in the presence of the Cash Management Unit (CMU) representatives.
- Control Keys for container / trolley (Used for transporting cash from vault to tellers).
- Assist with surprise checks of tellers.
Support functions:
- Attend to branch account payments.
- Issue Bank Cheques as required.
- Counter sign issued Bank Cheques as required.
- Reconcile all branch suspense accounts as listed below.
- Attend to Cash Advance transactions.
- Attend to all Records Administration issues in the branch
- Attend to all issues on refunds on all closed customers accounts
ATM Custodians Support functions:
- Carry out first level support (basic) on User's workstations, scanners, or other peripherals
- Resolve basic finacle issues such as applet, Invalid username/Password, or proxy exception errors, etc
- Map users' workstations to the Combo printer and ensure quality printout
- Assist RIS connect remotely to systems & resolve simple LAN issues
- ATM support including: simple power related issues on UPS and inverter, ATM operation support (Availability, Cash management, resolution of simple issues like cash jam, paper jam, etc)
- Supervise vendors, contractors, PM engineers to ensure a good and neat work is done in the branch
Reports:
- ATM Reports
- Operating Cash Report
- Listing of ATM Transactions
Accounts:
- Cash
- Vault Reserve
- ATM
- Overage Account
- Shortage Account
- SRAs
- Certified Cheque
- Stale Cheques
- Bank Cheques
Other Functions:
- Custom Duty Payments
- Mails Administration
- Administration of Stationery (vault out of stationary items)
- Maintenance of Office Equipment
- Call-over functions
Registers:
- Cash Advance Register - Petty cash
- Bank Cheque Register.
- Customs Duty Register (where applicable)
Preferred Qualification and Experience
- Bachelors Degree from an accredited University
- Minimum 2 years branch banking experience with exposure to tellering and safe custody.
Knowledge/Technical Skills/Expertise:
- Financial Analysis
- ATM operating and maintenance experience
- HSE certification
Interested and qualified candidates should:
Click here to apply
Job Title: Business Banker - Head Office
Job ID:33936
Location: Lagos Island, Lagos
Job Sector: Banking
Job Purpose
- 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
Key Responsibilities/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.
- Performing a liaison role between customers and back-office service fulfillment and credit functions.
- Educating clients regarding the parameters and routine procedures governing standard SME product and service offerings to ensure the correct customer behavior and product usage
- Adhering to record keeping requirements as outlined by CBN and the Nigeria Financial Intelligence Unit (NFIU)
Preferred Qualification and Experience
Educatiional Qualification:
- Minimum of a 2.2 B.Sc. Degree from an accredited University
Work Experience:
- Minimum of 2 years relevant experience in Banking preferably in relationship/transactional banking.
- Business Assistant experience to the Business Manager is ideal.
- This experience provides an understanding of how to interact with and sell to personal banking customers, as well as how the principles of scored lending are applied in practice.
- Experience in Credit origination
- Previous experience running a small business
- Knowledge/Technical Skills/Expertise
Technical Competencies:
- Business and Financial Advisory
- Knowledge of Asset Management Products
- Credit Analysis
- E-Channel management.
Interested and qualified candidates should:
Click here to apply
Job Title: Asset Custodian - Broad Street
Job ID: 33929
Location: Lagos Island, Lagos
Job Sector: Banking
Job Purpose
- To ensure the availability of treasury cash, reserve and blank forms.
- Ensure the availability of a fully functional cash service to tellers including the custody and balancing of vault cash, processing of vault deposits, withdrawal and handling of related reports.
- Control treasury cash, blank forms, safe custody items and duplicate keys.
- Understand and manage the risks associated with the custody of these items as well as the changes in the custody of assets through effective system controls.
Key Responsibilities/Accountabilities
Asset custodianship:
- Custodian of treasury cash, reserve, blank forms and keys & cash
- Ensure that the correct procedures for handling and movement of cash assets in the branch are adhered to.
- Ensure that the correct security procedures are adhered to when cash is moved to agencies and delivered to/collected from Cash Management Unit.
- Effective cash management to ensure vault approved limits are adhered to.
- Receive notes and coins from tellers to be lodged into the vault.
- Check physical cash received / evacuated in the presence of the Cash Management Unit (CMU) representatives.
- Control Keys for container / trolley (Used for transporting cash from vault to tellers).
- Assist with surprise checks of tellers.
Support functions:
- Attend to branch account payments.
- Issue Bank Cheques as required:
- Counter sign issued Bank Cheques as required.
- Reconcile all branch suspense accounts as listed below.
- Attend to Cash Advance transactions.
- Attend to all Records Administration issues in the branch
- Attend to all issues on refunds on all closed customers accounts
ATM Custodians Support functions:
- Carry out first level support (basic) on User's workstations, scanners, or other peripherals:
- Resolve basic finacle issues such as applet, Invalid username/Password, or proxy exception errors, etc
- Map users' workstations to the Combo printer and ensure quality printout
- Assist RIS connect remotely to systems & resolve simple LAN issues
- ATM support including: simple power related issues on UPS and inverter, ATM operation support (Availability, Cash management, resolution of simple issues like cash jam, paper jam, etc)
- Supervise vendors, contractors, PM engineers to ensure a good and neat work is done in the branch
Reports:
- ATM Reports
- Operating Cash Report
- Listing of ATM Transactions
Accounts:
- Cash
- Vault Reserve
- ATM
- Overage Account
- Shortage Account
- SRAs
- Certified Cheque
- Stale Cheques
- Bank Cheques
Other Functions:
- Custom Duty Payments
- Mails Administration
- Administration of Stationery (vault out of stationary items)
- Maintenance of Office Equipment
- Call-over functions.
Registers:
- Cash Advance Register - Petty cash
- Bank Cheque Register.
- Customs Duty Register (where applicable)
Preferred Qualifications and Experience
- Bachelor's Degree from an accredited University
- Minimum 2 years branch banking experience with exposure to tellering and safe custody.
Knowledge/Technical Skills/Expertise:
- Financial Analysis
- ATM operating and maintenance experience
- HSE certification.
Interested and qualified candidates should:
Click here to apply
Job Title: Branch Manager
Job ID: 33938
Location: Oyo
Job Sector: Banking
Job Details
- Retail & Business Banking
Job Purpose
- To drive execution of branch sales plans and to collaborate with the Head, Service Support (HSS) in ensuring that all customers receive a consistently high quality service in a Model C branch.
- To manage available resources (sales staff, systems, processes) and ensure that a strong customer-focused service culture becomes entrenched in a branch.
Key Responsibilities/Accountabilities
- Manages the branch resources to ensure delivery and maintenance of customer service standards at all times and at every service outlet within the branch, by putting the right people in the right places and also by enabling their self- development (coaching and training) for improved service delivery.
- Monitors customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
- Manages and oversees the provision of appropriate products and services via the most suitable channel to ensure that customer needs are met.
- Identifies opportunities to migrate customers to more appropriate, cost effective channels.
- Drives the use of 5 star process by all members of staff who are constantly in contact with the customers e.g. CIC, Tellers, Customer Service Consultants Customer Consults, Business Bankers and the Receptionist.
- Drives adherence to good housekeeping by all the staff.
- Ensure that the branch premises, furniture, fittings and operating systems are well maintained and that they are at all times user friendly to both Staff and its Customers.
Sales management:
- Develops and implements branch sales strategy reflective of the local market conditions to ensure that the branch’s sales targets are met. This includes coaching staff on product knowledge, cross selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
- Co-ordinates cross selling opportunities with other business departments like CIB, VAF and Business Banking for possible personal market businesses/ opportunities.
- Conducts daily meetings with the sales team (Relationship Managers) and carry out reviews on the previous day and jointly plan for the week ahead.
- Drives multi-channel utilisation and servicing to optimise sales opportunities.
Risk management:
- Drives and manages a culture that emphasises and demonstrates the importance of internal control to all staff to ensure that staff adheres to the Bank’s routine at all times by making them aware of the Bank’s best practice systems, processes and procedures.
- Ensures availability of the GRG on each member of staff terminal and use of the same by all staff.
- Manages use of the routine checklist for effective routine control and ensure that laid down instructions are adhered to by all the departments.
- Oversees and manages maintenance of an effective control structure with control activities defined at each level and that duties are appropriately segregated.
- Monitors internal controls to ensure their adequacy and effectiveness and where necessary recommend amendments to address uncontrolled risks as identified.
- Ensures that all routine controls relating to new business (i.e. KYC and relative mandates) are applied effectively.
Financial management:
- Ensures that all aspects of revenue collection and operational expenditure are actively monitored and that they are in line with the operating budget.
- Drives and manages the net profitability of the branch; ensure effective management of revenue collection and expenditure control
- Monitors actual figures in the Trial Balance and Profit and Loss against budget and / or against past months’ performance and investigate undue variations.
- Drives the growth of deposits, loans and overdrafts to increase profitability of the branch.
People management:
- Responsible for inspiring, motivating, leading and managing the team.
- Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
- Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
- Ensures skills assessments and competency-based training takes place as and when required.
- Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
- Creates an environment in which learning and development are emphasised and valued.
- Takes personal responsibility for coaching and mentoring others.
- Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
- Promotes a culture where the values of the Bank are seen to be ‘alive’
Preferred Qualification and Experience
- First degree and an additional professional qualification
- 5-7 Years branch banking experience in Bank Branches with exposure to all areas under control. Experience in managing a diverse range of people and activities is essential
Knowledge/Technical Skills/Expertise:
- Written Communication-Applies concepts without requiring supervision, able to provide technical guidance when required
- Customer Acceptance and Review-The ability to assess if the client qualifies to receive the services applied for based on established parameters and criteria.
- Client Knowledge-Knowledge of the bank's clients, their names, requirements, history of relationship and key relationship issues.
- Managerial Budgeting-The ability to plan the work unit budget and manage income and expenditure, through responsible implementation of policies, practices and decisions.
- Coaching and Mentoring-The knowledge and skills required to direct, instruct, and train an employee/s with the aim to fulfil a goal, in order to develop specific skill/s in an enthusiastic, motivating manner.
- Operational Planning-The ability to translate the organisation's vision and long term goals into medium and short term deliverables.
Interested and qualified candidates should:
Click here to apply
Job Title: Business Banker
Job ID: 33939
Location: Oyo
Job Sector: Banking
Job Purpose
- 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
Key Responsibilities/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.
- Performing a liaison role between customers and back-office service fulfillment and credit functions.
- Educating clients regarding the parameters and routine procedures governing standard SME product and service offerings to ensure the correct customer behavior and product usage.
- Adhering to record keeping requirements as outlined by CBN and the Nigeria Financial Intelligence Unit (NFIU)
Preferred Qualifications and Experience
Educational Qualification:
- Minimum of a 2.2 B.Sc degree from an accredited University
Work Experience:
- Minimum of 2 years relevant experience in Banking preferably in relationship/transactional banking.
- Business Assistant experience to the Business Manager is ideal.
- This experience provides an understanding of how to interact with and sell to personal banking customers, as well as how the principles of scored lending are applied in practice.
- Experience in Credit origination.
- Previous experience running a small business.
Technical Competencies:
- Business and Financial Advisory
- Knowledge of Asset Management Products
- Credit Analysis
- E-Channel management.
Interested and qualified candidates should:
Click here to apply
Job Title: ATM Custodian
Job ID: 33940
Location: Kaduna
Job Sector: Banking
Job Details
- Group Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible
Job Purpose
Key Responsibilities/Accountabilities
Asset Custodianship:
- Ensure that laid-down instructions for handling and movement of treasury cash to and from tellers SBV are adhered to
- Ensure that current stock of blank forms received is recorded and signed for according to laid-down procedures
- Ensure that record keeping is carried out according to laid-down instructions for treasury cash, blank forms and safe custody items
- Ensure that swept deposits are correctly handled appropriately
- Ensure that all irregular items have been actioned before the end of the day
Monitoring of cash holdings:
- Ensure that cash does not exceed prescribed limits
- Ensure that sufficient cash levels are maintained to meet normal customer requirements
ATM Up-time:
- Ensure that Auto Bank and Auto Cash terminals are always adequately stoked with cash and stationery
- Maintain close liaison with Auto Bank Control Centre to ensure that equipment problems are dealt with promptly
- Ensure that potential faults that could cause equipment to malfunction are identified and resolved on time
- Ensure that all ATM terminals are kept clean and maintained in good condition
ATM Cash:
- Control ATM cash according to laid-down instructions
- Balance cash at the required intervals
- Report and action differences in ATM cash promptly
- Ensure that ATM cash is safeguarded against unnecessary and preventable loss.
Reports:
- Action ATM reports as listed on the Duty List promptly
- Reconcile ATM cash daily
- Action Care Suspects accurately and on time, resulting in reduced operating losses
Planning:
- Planning is generally on a daily to weekly basis within regular activity cycles
Preferred Qualification and Experience
- Minimum 2.2 from University
- 1-3 years experience
Knowledge/Technical Skills/Expertise:
- Ability to attend to customer queries timeously is required
- Sound recall of procedures and previous experiences, in order to recognize the appropriate solution to each situation
- Resourceful, finding practical ways to efficiently deal with voluminous workloads, and remain focused on priority issues
Interested and qualified candidates should:
Click here to apply
Job Title: Relationship Manager, Commercial Banking - North Central Suite
Job ID: 33937
Location: Kaduna
Job Sector: Banking
Job Purpose
- Ensure an in-depth understanding of all customers in his/her portfolio, using the Customer Value Chain Analysis (CVCA) tool, in order to effectively meet the needs of the customers.
- To execute the Commercial Banking Customer Value Proposition (CVP) and Industry Value Propositions (IVPs) initiatives and activities aimed at optimising both customer experience and profitability for the Bank.
- To execute an effective relationship management strategy in line with overall Commercial Banking strategy of leading with Transactional Banking.
- To ensure that close personal attention is given to providing a full array of customised financial solutions and services tailored to meet the growth needs and potential of the portfolio.
- To grow and retain a portfolio of high value Commercial Banking relationships by performing proactive and value adding portfolio management.
- To achieve financial and non-financial targets for the portfolio.
Key Responsibilities/Accountabilities
In-Depth Understanding Of All Clients In The Portfolio:
- Ensure that all customers in the portfolio meet the segmentation criteria to be in Commercial Banking.
- Perform customer value chain analysis (CVCA) for each name in the portfolio to gain an in-depth understanding of the customer’s business and identify opportunities linked to the customer’s business strategies.
- Use the outcome of the CVCA exercise as a basis for proactively managing the customer relationship going forward.
- Ensure that the annual customer review and every other engagement with the customer are used as an opportunity to deepen the understanding of the customer’s business.
Execution Of The Commercial Banking Customer Value Proposition (CVP), Industry Value Propositions (IVPs), And Other Agreed Initiatives:
- Ensure effective implementation of the Commercial Banking Customer Value Proposition (CVP) to the customers in the portfolio.
- Ensure effective implementation of all the Industry Value Propositions (IVP) for the country’s Commercial Banking business.
- Ensure effective implementation of all other initiatives aimed at achieving the strategic objectives of Commercial Banking in Nigeria.
Relationship And Portfolio Management:
- Ensure a deep understanding of the Commercial Banking customer’s business through regular value-adding interaction with the customer at their place of business.
- Complete a customer value chain analysis to further understand the customer’s needs and identify sales opportunities, and deploy banking solutions to meet those needs.
- Ensure accurate and updated customer information.
- Implement a Customer Relationship Management (CRM) as well as Customer Engagement Management (CEM) strategy to ensure regular contact of all Commercial Banking customers in the portfolio as per the customer value proposition (CVP).
Grow And Retain A Portfolio Of High Value Commercial Banking Relationships:
- Formulate, drive, measure and manage the implementation of agreed initiatives and a retention strategy for the portfolio to grow profitability per client and share of wallet across the Commercial Banking segment.
- Achieve the DTF ratio budget for the portfolio, and optimal DTF ratio for each customer in the portfolio based on their industry of operation.
- Optimally utilize Salesforce as CRM tool to manage pipeline and action plans resulting from CVCA exercise.
Deliver The Financial And Non-Financial Targets For The Portfolio:
- Achieve the financial budgets for the portfolio through optimal growth of balances, margin management and revenue streams.
- Implement and control the pricing tactics and parameters for the portfolio in line with pricing policy and financial targets.
- Measure, track and manage profitability (total revenue, ARPC, CoF, average assets yields, LTD ratio) targets/budgets for the portfolio.
- Ensure recovery of all revenue generating fees from customers in the portfolio.
- Drive and monitor the financial performance of the portfolio by proactively implementing measures that promote full banking relationship with customers.
Preferred Qualifications and Experience
- A good first degree from a reputable university (minimum of second class lower).
- A professional qualification or 2nd degree will be an added advantage.
- 3 - 5 years cognate experience in relationship management, in a Business Banking or CIB environment.
- Practical direct exposure to lending principles/previous working experience in Credit Risk Management is an added advantage.
Knowledge/Technical Skills/Expertise
Financial targets :
- Portfolio profitability as measured by income after impairments, total revenue, ARPC, CoF, average assets yield, LTD ratio.
- Net balance sheet growth (liabilities as measured by CASA and performing risk assets).
- Quality of risk assets as measured by level of impairments.
Non-financial targets:
- DTF ratio.
- Quality of relationship management as measured by clients’ positive experiences/level of clients’ satisfaction/client retention.
- TAT on client’s transactions.
- Effective utilization of Salesforce.
- Quality of CVCAs.
- Quality of Credit structuring and documentation.
- Quality of call reports, promptness of annual reviews, etc.
- Accurate segmentation, mapping and tiering of clients in the portfolio.
- Acquisition of profitable NTB clients.
Interested and qualified candidates should:
Click here to apply
Job Title: Personal Banker - Trade Fair Branch
Job ID: 33934
Location: Lagos Island
Job Sector: Banking
Job Purpose
- Proactively promote a relationship-based offering through operating as a dedicated and primary point of contact for customer in the branch, providing banking solutions which meet the customer’s needs in accordance with each of personal banking segment’s value proposition.
Key Responsibilities/Accountabilities
- Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
- Conduct a comprehensive calling/contact management programme for all customers aligned with the cost to serve proposition.
- Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
- Retain customers (Blue, Silver and Gold) as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy.
- Liaise effectively with the sales team to ensure seamless transfer of clients after sale has been concluded to relationship management.
- Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.
Preferred Qualifications and Experience
- A bachelor's degree in any related field
- Minimum of Second Class Lower (2:2) division
- 0-2years banking experience, preferably interfacing with customers.
- Strong relationship management background.
- Experienced in upholding the highest levels of service.
- Experience in completing credit applications successfully
Knowledge/Technical Skills/Expertise:
- Demonstrate high levels of computer literacy - able to capture/update customer database, successfully complete product/lending applications, ensure credit maintenance, etc.
- Knowledge of local market environment and financial issues that may impact portfolio.
- Working knowledge of bank systems and operations
- Thorough understanding of credit principles as well as application and maintenance processes.
- Knowledge of the banks organogram and awareness of relevant reporting lines.
- Interpret financial statements; assess sources of income and basic customer affordability calculations (debt to income ratio, loan to value ratio, installment to income ratio, etc).
- Deep knowledge and understanding of the different personal and segment value proposition.
- Proficient in Microsoft word and excel.
- Time management
- Ability to multi task
- Ability to handle matrix reporting.
Interested and qualified candidates should:
Click here to apply