Relationship Officer at Keystone Bank

Specialization: Banking / Finance / Insurance
Job Level: Experienced Hire
Required Experience: 3 - 5 years
Required Banking Experience: 3 - 5 years
Location: Lagos

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

Duties And Responsibilities:

•     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
•     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
•     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.

Key Performance Indicators:

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

Minimum Education Qualifications:

•     First Degree from a reputable University

Post Graduate Qualifications:

•     A relevant post graduate qualification or higher degree (e.g. MBA) would be an added advantage.

Professional Qualifications:

•     Membership of a relevant professional management body would be an added advantage.

Skills And Competencies:

•     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 skills
•     Interpersonal and communication Skills
•     Computer Appreciation
•     Customer service orientation
•     Negotiation Skills