Jobs at Stanbic IBTC Bank

To proactively manage a portfolio of retail clients by providing comprehensive, relationship-based banking solutions.

Key Responsibilities

• Establish, build and strengthen relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
• Ensure that customers are well informed with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, etc), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g. minimum account balances, provision for debit orders and cheque payments, etc).
• 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.
• Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities.
• 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.

Qualifications

• University Degree

Experience Required

• At least 3 years experience in Personal and Private Banking.
• Knowledge of the bank's products, compliance procedures and regulations governing the management of financial services. Previous branch banking experience.

Behavioural Competencies:

• Articulating Information
• Embracing Change
• Establishing Rapport
• Following Procedures
• Managing Tasks
• Meeting Timescales
• Producing Output
• Seizing Opportunities
• Showing Composure
• Team Working
• Upholding Standards
• Valuing Individuals

Technical Competencies:

• Active Listening
• Banking Process & Procedures
• Customer Understanding ( Consumer Banking)
• Product and Services Knowledge
• Product Knowledge (Consumer Banking)
• Risk Identification
• Telephone Caller Handling

go to method of application »

To proactively manage a portfolio of retail clients by providing comprehensive, relationship-based banking solutions.

Key Responsibilities

• Establish, build and strengthen relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
• Ensure that customers are well informed with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, etc), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g. minimum account balances, provision for debit orders and cheque payments, etc).
• 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.
• Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities.
• 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.

Qualifications

• University Degree

Experience Required

• At least 3 years experience in Personal and Private Banking.
• Knowledge of the bank's products, compliance procedures and regulations governing the management of financial services. Previous branch banking experience.

Behavioural Competencies:

• Articulating Information
• Embracing Change
• Establishing Rapport
• Following Procedures
• Managing Tasks
• Meeting Timescales
• Producing Output
• Seizing Opportunities
• Showing Composure
• Team Working
• Upholding Standards
• Valuing Individuals

Technical Competencies:

• Active Listening
• Banking Process & Procedures
• Customer Understanding ( Consumer Banking)
• Product and Services Knowledge
• Product Knowledge (Consumer Banking)
• Risk Identification
• Telephone Caller Handling

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Effective Relationship Management to deliver the financial and non-financial Commercial Banking targets for the portfolio.

• Achieving the financial Targets specifically like growing Balance Sheet and Generating Income
• Growing the Numbers via Sales Acquisition - Growing wallet Share year on year from each client in the portfolio - Quality of relationship management as measured by clients’ positive experiences reflected in NPS scores, dipstick measurement outcomes. - Adherence to zero dormancy/inactivity approach 2 Output group

Execution of the Bank’s Commercial Banking strategic initiatives and activities towards managing clients in the portfolio, to ensure full mining of each relationship and optimization of both customer experience and profitability for the Bank Outputs and measures

• Implementation of the Commercial Banking Customer Value Proposition via Customer Value Chain Analysis (CVCA)
• Achieving Business/Personal Interplay via no of PRV Banking collaborations from the portfolio
• Effective mining of Ecosystem opportunities in the portfolio - High electronic banking and digital penetration of clients in the portfolio Zero Dormancy, optimal value chain mining, and other initiatives Implement Delivering the Firm (DTF) Concept on portfolio Achieving Minimum revenue per client objectives

Engagement with Commercial Banking Partners Outputs and measures

• Positive and knowledgeable relationship and engagements with Various units in the Bank like Credit, Trade, Global Markets, Trade, Operations, Vehicle and Asset Finance and Excutive management to achieve the Financial and Non-financial objectives of the Bank Output group

Ensure Compliance of all accounts in the portfolio Outputs and measures - KYC of all accounts must be up to date - No Audit Exceptions on transactions and processes - BVN compliance for all clients in the portfolio.

Qualifications

Type of Qualification: First Degree(Bsc)
Field of Study: General Management 

Experience Required

• Job Function: Commercial and Business Banking
• Experience Description: Relationship management experience of at least 7-10 years in a commercial Bank Corporate Banking Job Family: Click here to enter text. Years: 1-2 Years
• Additional Information

Behavioural Competencies:

• Generating Ideas
• Examining Information
•  Articulating Information
• Thinking Positively
• Taking Action
• Seizing Opportunities

Technical Competencies:

• Customer Understanding
• Product Knowledge
• Application and Submission Verification
• Product Related Systems
• Customer Acceptance and Review 

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To implement, enable, scale, entrench and commercialise the Enterprise Direct value propositions in country in collaboration with all Segments, Sectors, Client Solutions, Engineering, Innovation teams and country stakeholders through the client engagement platforms Lead a team of Business Bankers in a cluster to manage tier 2 customers by carrying out the following: Onboarding new enterprise banking Customers, Proactive relationship management engagement Dormant accounts reactivation Cross sell the bank’s products and services to existing customers. Handling of customers complaint Improve customer experience and grow the bank’s share of wallet by proactively engaging the customer via telephone/email/web chat for more pocket share.

Qualifications

•  First Degree Field of study: Business Commerce
• certifications or professional Memberships Qualifications in data science or financial management will be considered. A post graduate qualification will be an advantage.
•  15 -18 years' extensive experience in Business Banking including strategy and market development, the design and development of client value propositions; identifying key drivers of income and cost lines. Experience in successfully growing the client base, managing and growing a balance sheet and income statement. Experience in deploying solutions (and new solutions) into new markets and territories. Should have strong background in managing a business and Digital Platform businesses.

Behavioural Competencies 

• Articulating Information
• Challenging Ideas 
• Convincing People 
• Directing People
• Examining Information 
• Exploring Possibilities
• Generating Ideas
• Interpreting Data

Technical Competencies

• Effective Business Communication
• Presentation Skills Competency Description: 
• Understanding and Influencing Customer Value Proposition 
• Customer Understanding (Business Banking)
• Process Governance 

go to method of application »

To implement, enable, scale, entrench and commercialise the Enterprise Direct value propositions in country in collaboration with all Segments, Sectors, Client Solutions, Engineering, Innovation teams and country stakeholders through the client engagement platforms Lead a team of Business Bankers in a cluster to manage tier 2 customers by carrying out the following: Onboarding new enterprise banking Customers, Proactive relationship management engagement Dormant accounts reactivation Cross sell the bank’s products and services to existing customers. Handling of customers complaint Improve customer experience and grow the bank’s share of wallet by proactively engaging the customer via telephone/email/web chat for more pocket share.

Qualifications

•  First Degree Field of study: Business Commerce
• certifications or professional Memberships Qualifications in data science or financial management will be considered. A post graduate qualification will be an advantage.
•  15 -18 years' extensive experience in Business Banking including strategy and market development, the design and development of client value propositions; identifying key drivers of income and cost lines. Experience in successfully growing the client base, managing and growing a balance sheet and income statement. Experience in deploying solutions (and new solutions) into new markets and territories. Should have strong background in managing a business and Digital Platform businesses.

Behavioural Competencies 

• Articulating Information
• Challenging Ideas 
• Convincing People 
• Directing People
• Examining Information 
• Exploring Possibilities
• Generating Ideas
• Interpreting Data

Technical Competencies

• Effective Business Communication
• Presentation Skills Competency Description: 
• Understanding and Influencing Customer Value Proposition 
• Customer Understanding (Business Banking)
• Process Governance 

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To define the strategy for the Energy & Infrastructure Sector in BCB Nigeria in terms of risk appetite, business focus and target market. To act as a Subject Matter Expert in the Energy & Infrastructure sector and to provide sector expertise that enables the Business & Commercial Banking relationship managers to deliver the desired financial performance for the sector. To grow profitability and balance sheet of the Energy & Infrastructure Sector (i.e. grow the market share, share of wallet of customers’ business and ultimately the headline earnings of the sector).

Qualifications

• First degree in Geosciences, Engineering, Finance, Accounting or Economics or any related field
• Minimum of Relationship management experience of at least 7-10 years in Energy & Infrastructure
• Minimum of 10 years in Business & Commercial Banking experience that spans across relationship banking.
• Experience in the Energy & Infrastructure sector is critical.
• Experience in applying bank risk management framework as it pertains to servicing customers

 Behavioural Competencies

• Convincing People
• Generating Ideas
• Developing Strategies
• Pursing Goals
• Meeting Timescales

Technical Competencies

• Customer Understanding
• Planning ang Reporting
• Operational Planning
• Financial Acumen
• Product Knowledge

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Job Description

To implement, enable, scale, entrench and commercialise the Enterprise Direct value propositions in country in collaboration with all Segments, Sectors, Client Solutions, Engineering, Innovation teams and country stakeholders through the client engagement platforms Lead a team of Business Bankers in a cluster to manage tier 2 customers by carrying out the following: Onboarding new enterprise banking Customers, Proactive relationship management engagement Dormant accounts reactivation Cross sell the bank’s products and services to existing customers. Handling of customers complaint Improve customer experience and grow the bank’s share of wallet by proactively engaging the customer via telephone/email/web chat for more pocket share

Qualifications

• First Degree Field of study: Business Commerce
• certifications or professional Memberships Qualifications in data science or financial management will be considered. A post graduate qualification will be an advantage.
•  15 -18 years' extensive experience in Business Banking including strategy and market development, the design and development of client value propositions; identifying key drivers of income and cost lines. Experience in successfully growing the client base, managing and growing a balance sheet and income statement. Experience in deploying solutions (and new solutions) into new markets and territories. Should have strong background in managing a business and Digital Platform businesses.

Behavioural Competencies 

• Articulating Information
• Challenging Ideas 
• Convincing People 
• Directing People
• Examining Information 
• Exploring Possibilities
• Generating Ideas
• Interpreting Data

Technical Competencies

• Effective Business Communication
• Presentation Skills Competency Description: 
• Understanding and Influencing Customer Value Proposition 
• Customer Understanding (Business Banking)
• Process Governance 

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A Relationship Manager is accountable for a portfolio of Commercial Banking Clients. Commercial Banking Segment is for Companies who carry out a turnover of at least N2billion for Tier 2 and at Least N5bn Turnover annually for Tier 1. It is expected that the RM integrates and coordinates all Stanbic IBTC and Standard Bank Group products, services and resources in order to maximize the value of the business relationship and ensure profitability for the Bank and the Client.

Qualifications

• First degree in any field
• Minimum of Relationship management experience of at least 1-2 years in Corporate Banking
• Minimum of Relationship management experience of at least 1-2 years in Finance
• Minimum of Relationship management experience of at least 7-10 years in a commercial Bank
• Cognate experience in sales and relationship management of customers to be able to drive profitability and build relationships

Behavioural Competencies

• Generating Ideas
• Examining Information
• Thinking Positively
• Taking Action
• Seizing Opportunities

Technical Competencies

• Customer Understanding
• Product Knowledge
• Application and Submission Verification
• Customer Acceptance and Review
• Product Related Systems

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To articulate and co-ordinate the delivery of the agricultural segment strategy and value proposition within assigned coverage area of Personal and Business Banking/ the Bank through the provision of a specialist Agricultural Business support service on customer growth, retention and segment profitability.

Key Responsibilities 

• Set the short, medium and long term startegic objectives for building AgriBusiness within the assigned coverage area
• Budget setting and Behavioural Goals (New to Bank Sales and Financial) and successful achievement/ delivery of agreed targets for the assigned coverage area 
• Continuously evaluate relevance and effectiveness of the set Budgets
• Identify sub-segment opportunities and design value propositions and strategies to effectively service these sub-segments within assigned coverage area
• Take ownership of all Agri-business Segment new product development and ensure 2 effective management including managing all stakeholders on which such products are dependent 
• Work with and build relationships with the Agri-business Team and other stake holders to ensure appropriate levels of alignment 
• Co-ordinate development of suitable AgriBusiness client relationships within assigned coverage area and provide technical support/ advise to Relationship Managers towards monitoring performance and take actions where necessary 
• Develop good relationship with key regulatory and support institutions like Central Bank of Nigeria (CBN), Nigeria Agricultural Insurance Corporation (NAIC), Nigerian Incentive-Based Risk Sharing System for Agricultural Lending (NIRSAL), Federal Ministry of Agriculture and Rural Development (FMARD) and other organizations, identify trends, benchmarks and best practises in AgriBusiness in the respective states within North Central Zone
• Providing sound technical working partnership with Branch, Regional, Zonal Managers and Commercial/ Enterprise Banking Relationship Managers; to stimulate growth without compromising risk and the quality of lending  Supporting credit in managing and controlling total AgriBusiness risk asset portfolio and client exposure

Qualifications

Type of Qualification: First Degree
Field of Study: Physical Sciences and all courses under Social Sciences (ACCA or ACA or master's would be an added advantage).

Experience Required

• At least 7 - 10 years experience is required in SME/ Enterprise and Commercial type of businesses
• At least 1-2 years experience in MS Office Applications

Additional Information

• Developing Strategies
• Team Working
• Pursing Goals
• Conveying Self-Confidence
• Generating Ideas

Technical Competencies:

• Require superior understanding of the AgriBusiness sector in Nigeria
• Deep understanding of Financial Statements and Credit/ Lending principles
• Demonstrate expertise in specialised job role
• Ability to drive initiatives for the overall benefit of the Bank