Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 150 years, and now spans 16 countries across the African continent.
Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for resourceful individuals to join our dedicated team at our offices.
PURPOSE OF JOB:
To provide a basic, branch-based business banking sales and service facility to a portfolio of small business customers requiring uncomplicated and standardized financial product solutions
•Explain, promote and sell a range of appropriate Stanbic IBTC product offerings and solutions that meet the financial needs of small business customers.
•Selling includes acquiring and opening new business accounts (walk-in customers)
•Cross-selling additional products & services to existing customers (walk-in customers, during pro-active telephone conversations).
•Identifying sales leads for associate company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); Card; etc.
•Mining existing customer data to identify expansion and/or additional business opportunities.
•Identifying opportunities to migrate top-end customers.
•Providing a central “no-frills” (information/ query handling) service point for a portfolio of small business customers.
•Performing a liaison role between customers and back - office service fulfillment and credit functions.
•Interacting with clients and conducting needs analyses to assist clients to better understand their financial requirements.
•Accurately and efficiently processing customer mandates/ documentation requirements for banking facilities.
•Educating clients regarding the parameters and routine procedures governing standard SME product and service offerings to ensure the correct customer behavior and product usage.
•Advice given to customers should benefit both the customer and Standard Bank. Wrong and unprofitable customer behavior should not be encouraged.
•Explain credit loan facility options and qualifying criteria to customers.
•Support customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements and management accounts.
•Process scored credit applications within the confidential limit of authority and BRI scores.
•Notify customers regarding the approval of credit loan facilities.
•Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with Financial Advisory and Intermediary Service Act license categories.
•Adhering to record keeping requirements as outlined by CBN and the Nigeria Financial Intelligence Unit (NFIU)
Interested and suitably qualified candidates should click here to apply online.