THCO is your Growth & Productivity Partner supporting you with the right people and tools that enable growth & productivity.
We are recruiting to fill the position below:
Job Title: Commercial Relationship Management Officer (ET - SBO)
Location: Osun
Employment Type: Full-time
Job Purpose
- 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
- To contribute to having a strong customer-focused service culture becomes entrenched in the Branch.
Key Responsibilities / Accountabilities
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 seeks 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 the marketplace
- 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 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 fraud.
- Discuss loan terms and conditions, and conduct collateral risk analysis to ensure compliance with the bank's policies and procedures
- Ensure all documentation is valid and complete in the assigned portfolio.
Financial management:
- Extract and analyze 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 the framework of Bank credit culture and current economic and industry trends.
- Analyze financial statements of new customers and evaluate all loan documents.
- Contributes to the growth of deposits, loans, and overdrafts to increase the profitability of the branch.
- Draft and assist the Business Development Manager to complete deposit funding and credit proposal papers.
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 a 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 clients providing complete, concise portfolio valuations and guidance.
- Serves as a problem-solver for the client, helping them identify investment criteria, and recognize and handle concerns that arise as consultation moves closer to a decision.
- Complies with the use of appropriate processes and procedures expected of all members of staff who are constantly in contact with the 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 Well-being culture including meeting all safety and well-being compliance requirements.
- Role model and live the Bank’s Values while adhering to all corporate HR policies.
Qualification and Skills
Below are qualifications required to work as a Commercial Relationship Management Officer:
- Education: Minimum of First Degree in any discipline. Additional Qualification will be an added advantage.
Application Closing Date
Not Specified.
https://www.hotnigerianjobs.com/hotjobs/490253/commercial-relationship-management-officer-et-sbo.html