Relationship Management Officer at Wema Bank Plc

JOB DESCRIPTION

• Deposit mobilization
• New Customer acquisition
• Relationship management.
• Creation of quality risk assets
• Generation of commercial businesses e.g. Trade Finance and Off- Balance Sheet transactions.
• Grow revenue on a month on month basis
• Deploy the bank’s e-channels across different customer segments
• Onboarding of customers across the bank’s digital channels
• Contribute significantly to the branch’s profitability

 Risk management:

• Ability to identify an acceptable level of lending risk, in line with the bank’s risk appetite statement and to maximize 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.
• Adhering to the Bank’s policies and procedures

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 Retail Cluster Head to complete deposit funding and credit proposal papers.
• Negotiating all contracts with prospective customers
• Answering customer questions about credit terms, products, prices and availability

Customer service:

• Deliver and always maintain customer service standards, for improved service delivery.
• Log customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
• Provide appropriate products and services via the most suitable channel to ensure that customers’ 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, recognize 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.
• Advice customers on financial services
• Handles customer complaints and solve problems
• Engaging customers on banking products and services
• Approach and sign on new customers

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
• Exhibit Good leadership skill
• Has a direct responsibility and accountability for the performance of all MA in the branch

JOB EXPERIENCE

• Education: Minimum of First Degree in Any Discipline. Additional qualification will be an added advantage
• Specialized knowledge: Minimum of 3-6years cognate experience
• Professional Certification: MBA/ CIBN
• Experience: Sales and Marketing
• Digitally Savvy
• Have good Industry knowledge vis a vis deposit and lending dynamics and application in customer acquisition and retention
• Must be able to work effectively in a team to achieve a common goal
• Possess good credit knowledge
• Superb interpersonal skills.
• Good communication skills
• A commitment to excellent customer service
• Strategic thinking and ability to analyze and solve problems quickly