LOCATIONSNorth – Abuja, Adamawa, Gombe, Kebbi, Kano and Kaduna.South-South – Akwa-Ibom, Bayelsa, Delta, Edo and Rivers.South-East – Abia, Anambra, Imo and Enugu.South-West – Lagos, Ogun, Oyo and Osun.RESPONSIBILITIES
Assist unit head in preparation of budget/budgetary estimates
Prepare credit approvals memoranda (CAM) for the attention of the unit head in accordance with the Banks’ credit policy guidelines and ensure loan accounts are operated within ‘credit approval’ limits.
Maintain a CABAL that is commensurate with budget and overall projections for the branch
Ensure that all income are properly captured at transaction point
Prepare customers’ loan applications and collate/direct data to the approving authority through the appropriate channels
Effective and constant monitoring of medium level customers account balances with a view to beefing up same
Render all credit/risk asset reports, deposit liability report and LDR status report to the unit head on a weekly basis
Promptly process new investment request and review existing investment/liquidation request accurately.
Appraise credit requests from customers and make appropriate recommendations to unit head
Balance sheet management
Keep abreast of local and national economic, financial and political events which may impact on deposit liability generation and credit facilities.
Any other duties/functions given by the Cluster Head
Identification and Marketing of prospects within the target market
Gather intelligence information on product performance, customer attitudes and new business/product opportunities for the attention of the Cluster Head.
Identify customers’ needs, proactively seek to provide products/services to meet such needs and advice on appropriate selection of banks products
Effectively manage customer relationships (internal and external types)
Efficiently and effectively liaise with internal departments – CSU, FTL/Clearing, Admin including other Branches and departments
REQUIREMENTS/SKILLS
Minimum of a B.Sc. (2nd Class Lower)
Minimum of 1 year banking experience as Banking Officers (BO) Senior Banking Officers (SBO) and Assistant Managers (AM) in a leading commercial bank in Nigeria.
Good knowledge of banking operations, products & customer segmentation.
Ability to identify key players in market
Good interpersonal skills
Ability to work under pressure
Should be able to work with less supervision
Show reasonable ‘Team-work’ skills
Trace of Negotiating/Selling skills
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