Career Opportunities at Stanbic IBTC Bank

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 Qualification and Experience

• 0-2 years 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

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Job Purpose

• To manage and optimize value from a portfolio of SME customers.

Key Responsibilities/Accountabilities

• Promote and sell a range of appropriate products and solutions that meet the financial needs of small and medium business customers.
• Selling includes acquiring and opening new business accounts (walk-in customers and customers pro-actively approached in the local market area)
• Cross-selling additional products & services to existing customers (walk-in customers, during pro-active telephone conversations).
• Identify sales leads for associate company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking; Trade; Global Markets; etc.
• Mine existing customer data to identify expansion and/or additional business opportunities.
• Identify opportunities to migrate top-end customers to Commercial Banking.
• Providing a central (information/ query handling) service point for a portfolio of SME customers. .
• Ensure KYC documentation, regulatory compliance and control is adhered to.

Preferred Qualification and Experience

• A minimum of 2 years’ experience in banking (Sales) with a bachelor’s degree in any related field

Knowledge/Technical Skills/Expertise

• Basic Financial Analysis – Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
• Business acumen – Ability to spot opportunities and optimize revenue generation for the business
• A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.

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Job Purpose

• Optimize business opportunities by working with stake holders on product bundling and partnering with the corporate and commercial team to provide workplace banking solutions to employees of their clients

Key Responsibilities/Accountabilities

• To achieve sales target by providing business strategies, design and implement sales initiatives.
• Develop awareness for workplace banking and increase customer base by leveraging on new and existing relationship.
• Monitor acquisition, growth and relationship management of employers and employees process.
• Create a strong product offering by providing market feedbacks and monitoring trends
• Understand current value proposition, identify gaps and build a strong value proposition taking into consideration, customer needs, market offerings and better competitor’s standards on solutions and delivery.
• Identify/execute training needs by working with the training team
• Work with both CIB and Commercial team to increase company penetration

Preferred Qualification and Experience

• B.Sc in related field. 3 - 5 years experience in Personal/Business banking

Knowledge/Technical Skills/Expertise

• A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
• A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs