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  • Posted: Feb 26, 2021
    Deadline: Mar 12, 2021
  • Wema Bank offers a range of retail and SME banking, corporate banking, treasury, trade services and financial advisory to its ever-expanding clients. In 2009, the Bank underwent a strategic repositioning exercise which culminated in a decision to operate as a commercial Bank with regional authorisation in South-South Nigeria, South-West Nigeria, Lagos and Ab...
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    Commercial Relationship Management Officer

    Job Summary

    • To contribute to business development and execution of branch sales plans to achieve desirable profitability.
    • To foster a productive, value- producing relationship between the bank and customers.
    • To Support the Business Development Managers to grow a portfolio of profitable customers in pursuit of specific sales, service, growth and opportunity targets 4
    • To contribute to having a strong customer-focused service culture becomes entrenched in the Branch.

    Key Responsibilities / Accountabilities
    Customer service:

    • Delivers and maintains customer service standards at all times, for improved service delivery.
    • Logs customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
    • Provides appropriate products and services via the most suitable channel to ensure that customer needs are met.
    • Offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.
    • Consistent and frequent communication with client providing complete, concise portfolio valuations and guidance.
    • Serves as a problem-solver for the client, helping them identify investment criteria, recognise and handle concerns that arise as consultation moves closer to decision.
    • Complies with the use of appropriate processes and procedures expected of all members of staff who are constantly in contact with the customers.

    Sales Management:

    • Execute branch sales strategy reflective of the local market conditions to ensure that sales targets are met. This includes having product knowledge, cross-selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
    • Conducts daily meetings with the sales team (RMO and MA) and carry out reviews on the previous day and jointly plan for the week ahead.
    • Manages and maintains current business relationships and seek new accounts through sales
    • Engage in business development activities and solicitation of new business; be actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.
    • Pro-act to changes in market place
    • Effectively convert service recovery to sales opportunities and sustained client loyalty.

    Risk Management:

    • Ability to identify an acceptable level of lending risk, in line with the bank’s risk appetite statement, and to maximise profit from that transaction.
    • Comply with the Bank’s complaint resolution process to resolve the matter, maintain our high service standards and mitigate further risks / losses.
    • Minimize risks through adherence to KYC compliance as per the bank policies and procedures in all your operations to minimize losses due to frauds.
    • Discuss loan terms and conditions, and conduct collateral risk analysis to ensure compliance with the banks policies and procedures
    • Ensure all documentation is valid and complete in assigned portfolio.

    Financial Management:

    • Extract and analyse financial statements, cash flow forecasts and other complex financial reports, providing accurate assessment
    • Perform prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
    • Analyze financial statements of new customer and evaluate all loan documents.
    • Contributes to the growth of deposits, loans and overdrafts to increase profitability of the branch.
    • Draft and assist the Business Development Manager to complete deposit funding and credit proposal papers.

    People Management:

    • Collaborate with peers in the branch to ensure effective support and service delivery.
    • Contribute to developing a positive and proactive Safety and Wellbeing culture including meeting all safety and wellbeing compliance requirements.
    • Role model and live the Bank’s Values while adhering to all corporate HR policies

    Job Experience

    • Education: Minimum of First Degree in any discipline. Additional Qualification will be an Added Advantage
    • Specialized knowledge: Minimum of 3 years cognate experience
    • Professional Certification: CIBN
    • Experience: Sales and Marketing
    • Digitally Savvy
    • Superb interpersonal skills.
    • Good communication skills
    • A commitment to excellent customer service
    • Strategic thinking and ability to analyze and solve problems quickly
    • Ability to work well with others and lead a team

    Method of Application

    Interested and qualified? Go to Wema Bank Plc on to apply

    Note: Never pay for any training, certificate, assessment, or testing to the recruiter.

  • Send your application

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