Relationship Management Officer (Asaba,Benin,Onitsha,Calabar,Yenagoa,Uyo,Aba,Eket) at Wema Bank Plc

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  • Wema Bank offers a range of retail and SME banking, corporate banking, treasury, trade services and financial advisory to its ever-expanding clients. In 2009, the Bank underwent a strategic repositioning exercise which culminated in a decision to operate as a commercial Bank with regional authorisation in South-South Nigeria, South-West Nigeria, Lagos and Ab…

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    Relationship Management Officer

    • Job Type Full Time
    • Qualification BA/BSc/HND
    • Experience 3 – 6 years
    • Location Not specified
    • Job Field Sales / Marketing / Retail / Business Development&nbsp

    JOB DESCRIPTION

    • Deposit mobilization
    • New Customer acquisition
    • Relationship management.
    • 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

     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 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

    Financial management:

    • 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

    Customer service:

    • 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

    People management:

    • 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

    JOB EXPERIENCE

    • Education: Minimum of First Degree in Any Discipline. Additional qualification will be an added advantage
    • Specialized knowledge: Minimum of 3-6years cognate experience
    • Professional Certification: MBA/ CIBN
    • Experience: Sales and Marketing
    • Digitally Savvy
    • Have good Industry knowledge vis a vis deposit and lending dynamics and application in customer acquisition and retention
    • Must be able to work effectively in a team to achieve a common goal
    • Possess good credit knowledge
    • Superb interpersonal skills.
    • Good communication skills
    • A commitment to excellent customer service
    • Strategic thinking and ability to analyze and solve problems quickly

    Method of Application

    Interested and qualified? Go to Wema Bank Plc on wemabank.seamlesshiring.com to apply

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