Wema Bank Plc - Widely reputed as the longest surviving and most resilient indigenous bank in Nigeria, Wema Bank Plc has over the years, diligently offered a fully-fledged range of value-adding banking and financial advisory services to the Nigerian public.
The ideal candidate will be involved in growing the Bank’s business in the areas of Deposit, Revenue and Customer base consistently using acceptable standard business practices.
New Customer acquisition
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.
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.
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.
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.
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.
Education: Minimum of First Degree in any Discipline. Additional qualification will be an added advantage