Jobs

Current Job Vacancies at Stanbic IBTC Bank, 18th January, 2019

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. We are recruiting to fill the positions below: Job Title: Personal Banker Job ID: 36459 Location: Enugu Job Sector: Financial Services Job Purpose

Proactively promote a relationship-based offering through operating as a dedicated and primary point of contact for customer in the branch, providing banking solutions which meet the customer’s needs in accordance with each of personal banking segment’s value proposition

Key Responsibilities/Accountabilities

Retain customers (Blue, Silver and Gold) as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy
Liaise effectively with the sales team to ensure seamless transfer of clients after sale has been concluded to relationship management
Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective
Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities
Conduct a comprehensive calling/contact management programme for all customers aligned with the cost to serve proposition
Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.

Preferred Qualification and Experience

A Bachelor's Degree in any related field
Minimum of Second Class Lower (2:2) division
0-2 years banking experience, preferably interfacing with customers.
Strong relationship management background.
Experienced in upholding the highest levels of service.
Experience in completing credit applications successfully

Knowledge/Technical Skills/Expertise

Deep knowledge and understanding of the different personal and segment value proposition
Knowledge of local market environment and financial issues that may impact portfolio
Working knowledge of bank systems and operations
Thorough understanding of credit principles as well as application and maintenance processes
Knowledge of the banks organogram and awareness of relevant reporting lines
Interpret financial statements; assess sources of income and basic customer affordability calculations (debt to income ratio, loan to value ratio, instalment to income ratio, etc)
Demonstrate high levels of computer literacy - able to capture/update customer database, successfully complete product/lending applications, ensure credit maintenance, etc.
Proficient in Microsoft word and excel.
Time management
Ability to multi task
Ability to handle matrix reporting

Interested and qualified candidates should: Click here to apply Job Title: Business Banker Job ID: 36461 Location: Abuja Job Sector: Banking Job Purpose

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

Key Accountabilities

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.
Performing a liaison role between customers and back-office service fulfillment and credit functions.
Educating clients regarding the parameters and routine procedures governing standard SME product and service offerings to ensure the correct customer behavior and product usage.
Adhering to record keeping requirements as outlined by CBN and the Nigeria Financial Intelligence Unit (NFIU)

Preferred Qualification and Experience Educatiional Qualification:

Minimum of a 2.2 B.Sc. degree from an accredited University.

Work Experience:

Minimum of 2 years relevant experience in Banking preferably in relationship/transactional banking.
Business Assistant experience to the Business Manager is ideal.
This experience provides an understanding of how to interact with and sell to personal banking customers, as well as how the principles of scored lending are applied in practice.
Experience in Credit origination.
Previous experience running a small business.
Knowledge/Technical Skills/Expertise

Technical Competencies:

Business and Financial Advisory
Knowledge of Asset Management Products
Credit Analysis
E-Channel management

Interested and qualified candidates should: Click here to apply Job Title: Personal Banker Job ID: 36460 Location: Rivers Job Sector: Financial Services Job Purpose

Proactively promote a relationship-based offering through operating as a dedicated and primary point of contact for customer in the branch, providing banking solutions which meet the customer's needs in accordance with each of personal banking segment’s value proposition

Key Responsibilities/Accountabilities

Retain customers (Blue, Silver and Gold) as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy
Liaise effectively with the sales team to ensure seamless transfer of clients after sale has been concluded to relationship management
Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective
Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities
Conduct a comprehensive calling/contact management programme for all customers aligned with the cost to serve proposition
Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.

Preferred Qualification and Experience

A Bachelor's Degree in any related field. Minimum of Second Class Lower (2:2) division
0-2 years banking experience, preferably interfacing with customers.
Strong relationship management background.
Experienced in upholding the highest levels of service.
Experience in completing credit applications successfully

Knowledge/Technical Skills/Expertise:

Deep knowledge and understanding of the different personal and segment value proposition
Knowledge of local market environment and financial issues that may impact portfolio.
Working knowledge of bank systems and operations
Thorough understanding of credit principles as well as application and maintenance processes.
Knowledge of the banks organogram and awareness of relevant reporting lines
Interpret financial statements; assess sources of income and basic customer affordability calculations (debt to income ratio, loan to value ratio, instalment to income ratio, etc).
Demonstrate high levels of computer literacy - able to capture/update customer database, successfully complete product/lending applications, ensure credit maintenance, etc.
Proficient in Microsoft word and excel.
Time management
Ability to multi task
Ability to handle matrix reporting.

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36444 Location: Eket, Akwa Ibom Job Sector: Banking Job Details

Retail & Business Banking

Job Purpose

To drive execution of branch sales plans and to collaborate with the Head, Service Support (HSS) in ensuring that all customers receive a consistently high quality service in a Model C branch.
To manage available resources (sales staff, systems, processes) and ensure that a strong customer-focused service culture becomes entrenched in a branch.

Key Responsibilities/Accountabilities

Manages the branch resources to ensure delivery and maintenance of customer service standards at all times and at every service outlet within the branch, by putting the right people in the right places and also by enabling their self- development (coaching and training) for improved service delivery.
Monitors customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
Manages and oversees the provision of appropriate products and services via the most suitable channel to ensure that customer needs are met.
Identifies opportunities to migrate customers to more appropriate, cost effective channels.
Drives the use of 5 star process by all members of staff who are constantly in contact with the customers e.g. CIC, Tellers, Customer Service Consultants Customer Consults, Business Bankers and the Receptionist.
Drives adherence to good housekeeping by all the staff.
Ensure that the branch premises, furniture, fittings and operating systems are well maintained and that they are at all times user friendly to both Staff and its Customers.

Sales Management:

Develops and implements branch sales strategy reflective of the local market conditions to ensure that the branch’s sales targets are met. This includes coaching staff on product knowledge, cross selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
Co-ordinates cross selling opportunities with other business departments like CIB, VAF and Business Banking for possible personal market businesses/ opportunities.
Conducts daily meetings with the sales team (Relationship Managers) and carry out reviews on the previous day and jointly plan for the week ahead.
Drives multi-channel utilisation and servicing to optimise sales opportunities.

Risk Management:

Drives and manages a culture that emphasises and demonstrates the importance of internal control to all staff to ensure that staff adheres to the Bank’s routine at all times by making them aware of the Bank’s best practice systems, processes and procedures.
Ensures availability of the GRG on each member of staff terminal and use of the same by all staff.
Manages use of the routine checklist for effective routine control and ensure that laid down instructions are adhered to by all the departments.
Oversees and manages maintenance of an effective control structure with control activities defined at each level and that duties are appropriately segregated.
Monitors internal controls to ensure their adequacy and effectiveness and where necessary recommend amendments to address uncontrolled risks as identified.
Ensures that all routine controls relating to new business (i.e. KYC and relative mandates) are applied effectively.

Financial Management:

Ensures that all aspects of revenue collection and operational expenditure are actively monitored and that they are in line with the operating budget.
Drives and manages the net profitability of the branch; ensure effective management of revenue collection and expenditure control
Monitors actual figures in the Trial Balance and Profit and Loss against budget and / or against past months’ performance and investigate undue variations.
Drives the growth of deposits, loans and overdrafts to increase profitability of the branch.

People Management:

Responsible for inspiring, motivating, leading and managing the team.
Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
Ensures skills assessments and competency-based training takes place as and when required.
Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
Creates an environment in which learning and development are emphasised and valued.
Takes personal responsibility for coaching and mentoring others.
Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
Promotes a culture where the values of the Bank are seen to be ‘alive’

Preferred Qualification and Experience

First degree and an additional professional qualification
5-7 Years branch banking experience in Bank Branches with exposure to all areas under control. Experience in managing a diverse range of people and activities is essential

Knowledge/Technical Skills/Expertise:

Written Communication-Applies concepts without requiring supervision, able to provide technical guidance when required
Customer Acceptance and Review-The ability to assess if the client qualifies to receive the services applied for based on established parameters and criteria.
Client Knowledge-Knowledge of the bank's clients, their names, requirements, history of relationship and key relationship issues.
Managerial Budgeting-The ability to plan the work unit budget and manage income and expenditure, through responsible implementation of policies, practices and decisions.
Coaching and Mentoring-The knowledge and skills required to direct, instruct, and train an employee/s with the aim to fulfil a goal, in order to develop specific skill/s in an enthusiastic, motivating manner.
Operational Planning-The ability to translate the organisation's vision and long term goals into medium and short term deliverables.

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36443 Location: Zaria City, Kaduna Job Sector: Banking Job Details

Retail & Business Banking

Job Purpose

Ensure that customers consistently receive a high quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes) and ensuring that a strong, customer-focused service culture becomes entrenched in the service centre.
To ensure that customers are migrated to more appropriate and cost-effective channels, that cross-selling opportunities are identified and actioned, based on customer needs.
Proactively identify and assess the risks faced by the centres and reduce the overall exposure by maintaining an effective system of controls.
Ensure the effective rollout of change management initiatives to the service centres. Maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities Customer Service:

Set and ensure that service standards are maintained, in line with differentiated requirements of the market segments.
Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channels.
Ensure that the centres strive for continuous service improvement.

Management of Credit and Operational Risk:

Identify the major risks affecting the centres and ensure that the necessary steps are taken to measure, monitor and manage these risks.
Recommend revision of internal controls to provincial operations where appropriate, to address new or previously uncontrolled risks.
Manage assets, eg cash and cost accountabilities, with emphasis on the containment of controllable costs.
Manage and ensure overall operational readiness/efficiency of the centres’ infrastructure (including premises, ATMs, systems), physical security, opening/closing procedures and operational issues such as fraud, losses and differences.
Ensure irregularities highlighted in routine control reports are attended to.
Co-ordinate the checking of centre tellers/treasury/blank forms.
Complete monthly centre housekeeping checklist.
Report premises/equipment issues to regional operations.
Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated.
Ensure that levels of authority and limits of access to information/systems are adhered to.
Ensure that all routine controls relating to new business are effectively applied.
Ensure compliance with OHS (Occupational Health and Safety) requirements

Management of Service Improvement:

Manage the customer problem resolution process and ensure the accurate logging of information.
Set and monitor turn-around times for resolving customer queries and complaints.
Ensure that problem root causes are resolved by facilitating corrective action and regular liaison with support entities (including issues relating to ATM and Auto E terminals).
Ensure that service measurement is maintained and action adverse trends.
Implement service recovery to facilitate customer retention.
Ensure that customers provide/have provided documentation as required in terms of FICA/KYC legislation

Management of responsive sales and relationship management:

Develop sales and relationship management plans to achieve responsive sales targets for the centers.
Manage the sales and relationship management tracking system and provide feedback and coaching to the team.
Identify different local market segments prevalent in geographical area and keep up to date with changes/developments.
Drive the lead referral system.
Coach the responsive relationship management team on product knowledge, cross-selling opportunities and assist subordinates in generating meaningful and value-added solutions for customers resulting in maximum business development.
Ensure the territory where the branch is situated has adequate feel of the bank and its products

Increased cross-selling ratios:

Effective migration of customers/transactions to more appropriate channels.
Requisite stationery and cash supplies held.
Effective, customer-orientated telephone management.
Retention of satisfied, well-informed customers as measured by Customer Evaluation of Bank Service (CEBS) ratings.
Staff effectiveness and motivation Postive findings of Inspection Compliance reports
Convene regular customer discussion forums and action the results
Maintain awareness of serious customer complaints and attend to resolution.
Ensure that opportunities for migration of customers to more appropriate/cost-effective channels and migratable teller/enquiry transactions are identified and actioned.
Ensure efficient, customer-orientated telephone procedures.
Discuss staffing requirements as predicted by Branch Scheduling Tool (BST) with Provincial Productivity
Ensure BST schedule adherence for all reporting Service Centres

People Management:

Delegate authority and responsibility in line with business objectives and service standards to ensure the empowerment, motivation and effectiveness of all subordinates.
Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff.
Prepare a flexible staffing plan to meet service/sales demands in the centres, taking into account local conditions, resourcing options and costs.
Overall staff complement to be in line with productivity measurements. – Branch Scheduling Tool
Visibly assist the centres in achieving targets and standards of performance by providing consistent encouragement and guidance.
Ensure that equity requirements are met and transformation initiatives supported.
Identify strengths and development areas and ensure tat subordinates receive the required coaching/training
Turn-around times for processing and one-on-one customer interaction in terms of segment standards, efficient service.
Control operational losses and minimise risk compliance with laid-down instructions and effective management of credit risk, physical security etc.
Costs contained within budget.
Availability of ATMs and within target, site cleanliness requirements met, minimal vandalism.

Preferred Qualification and Experience

A Bachelor’s degree in any related field
Minimum 2 years Banking Operatons experience
Minimum 6-8 years Retail Banking, Business Development experience
At least one professional qualificiation, e.g CIBN, ICAN

Knowledge/Technical Skills/Expertise:

Basic Financial Analysis - Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
Business acumen - Ability to spot opportunities and optimize revenue generation for the business
A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36448 Location: Uyo, Akwa Ibom Job Sector: Banking Job Details

Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful Branch Manager to help fulfil our business objectives and build customer loyalty.

Job Purpose

Ensure that customers consistently receive a high quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes) and ensuring that a strong, customer-focused service culture becomes entrenched in the service centre.
To ensure that customers are migrated to more appropriate and cost-effective channels, that cross-selling opportunities are identified and actioned, based on customer needs.
Proactively identify and assess the risks faced by the centres and reduce the overall exposure by maintaining an effective system of controls.
Ensure the effective rollout of change management initiatives to the service centres. Maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities Customer Service:

Set and ensure that service standards are maintained, in line with differentiated requirements of the market segments.
Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channels.
Ensure that the centres strive for continuous service improvement.

Management of Credit and Operational Risk:

Identify the major risks affecting the centres and ensure that the necessary steps are taken to measure, monitor and manage these risks.
Recommend revision of internal controls to provincial operations where appropriate, to address new or previously uncontrolled risks.
Manage assets, eg cash and cost accountabilities, with emphasis on the containment of controllable costs.
Manage and ensure overall operational readiness/efficiency of the centres’ infrastructure (including premises, ATMs, systems), physical security, opening/closing procedures and operational issues such as fraud, losses and differences.
Ensure irregularities highlighted in routine control reports are attended to.
Co-ordinate the checking of centre tellers/treasury/blank forms.
Complete monthly centre housekeeping checklist.
Report premises/equipment issues to regional operations.
Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated.
Ensure that levels of authority and limits of access to information/systems are adhered to.
Ensure that all routine controls relating to new business are effectively applied.
Ensure compliance with OHS (Occupational Health and Safety) requirements

Management of Service Improvement:

Manage the customer problem resolution process and ensure the accurate logging of information.
Set and monitor turn-around times for resolving customer queries and complaints.
Ensure that problem root causes are resolved by facilitating corrective action and regular liaison with support entities (including issues relating to ATM and Auto E terminals).
Ensure that service measurement is maintained and action adverse trends.
Implement service recovery to facilitate customer retention.
Ensure that customers provide/have provided documentation as required in terms of FICA/KYC legislation

Management of responsive sales and relationship management:

Develop sales and relationship management plans to achieve responsive sales targets for the centers.
Manage the sales and relationship management tracking system and provide feedback and coaching to the team.
Identify different local market segments prevalent in geographical area and keep up to date with changes/developments.
Drive the lead referral system.
Coach the responsive relationship management team on product knowledge, cross-selling opportunities and assist subordinates in generating meaningful and value-added solutions for customers resulting in maximum business development.
Ensure the territory where the branch is situated has adequate feel of the bank and its products

Increased cross-selling ratios:

Effective migration of customers/transactions to more appropriate channels.
Requisite stationery and cash supplies held.
Effective, customer-orientated telephone management.
Retention of satisfied, well-informed customers as measured by Customer Evaluation of Bank Service (CEBS) ratings.
Staff effectiveness and motivation Postive findings of Inspection Compliance reports
Convene regular customer discussion forums and action the results:
Maintain awareness of serious customer complaints and attend to resolution.
Ensure that opportunities for migration of customers to more appropriate/cost-effective channels and migratable teller/enquiry transactions are identified and actioned.
Ensure efficient, customer-orientated telephone procedures.
Discuss staffing requirements as predicted by Branch Scheduling Tool (BST) with Provincial Productivity
Ensure BST schedule adherence for all reporting Service Centres

People Management:

Delegate authority and responsibility in line with business objectives and service standards to ensure the empowerment, motivation and effectiveness of all subordinates.
Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff.
Prepare a flexible staffing plan to meet service/sales demands in the centres, taking into account local conditions, resourcing options and costs.
Overall staff complement to be in line with productivity measurements. – Branch Scheduling Tool
Visibly assist the centres in achieving targets and standards of performance by providing consistent encouragement and guidance.
Ensure that equity requirements are met and transformation initiatives supported.
Identify strengths and development areas and ensure tat subordinates receive the required coaching/training
Turn-around times for processing and one-on-one customer interaction in terms of segment standards, efficient service.
Control operational losses and minimise risk compliance with laid-down instructions and effective management of credit risk, physical security etc.
Costs contained within budget.
Availability of ATMs and within target, site cleanliness requirements met, minimal vandalism.

Preferred Qualification and Experience

A bachelor’s degree in any related field
Minimum 2 years Banking Operatons experience
Minimum 6-8 years Retail Banking, Business Development experience
At least one professional qualificiation, e.g CIBN, ICAN

Knowledge/Technical Skills/Expertise

Basic Financial Analysis – Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
Business acumen – Ability to spot opportunities and optimize revenue generation for the business
A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs
Through knowledge and understanding of market segmentation and management.
Knowledge of Personal and Business Banking products and services.
Knowledge of the country’s Personal and Business Banking Strategy.
Knowledge of sales and marketing theory and principles.
Knowledge of business and financial management principles and practice, including business economics.
Knowledge of risk management and credit principles.
Knowledge of the bank system. Knowledge of branch transaction processes.
Knowledge of distribution channels.
Knowledge of human resources principles.
Basic Financial Analysis – Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
Business acumen - Ability to spot opportunities and optimize revenue generation for the business
A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36449 Location: Whatt Market, Cross River Job Sector: Banking Job Details

Retail & Business Banking

Job Purpose

To drive execution of branch sales plans and to collaborate with the Head, Service Support (HSS) in ensuring that all customers receive a consistently high quality service in a Model C branch.
To manage available resources (sales staff, systems, processes) and ensure that a strong customer-focused service culture becomes entrenched in a branch.

Key Responsibilities/Accountabilities Customer Service:

Manages the branch resources to ensure delivery and maintenance of customer service standards at all times and at every service outlet within the branch, by putting the right people in the right places and also by enabling their self- development (coaching and training) for improved service delivery.
Monitors customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
Manages and oversees the provision of appropriate products and services via the most suitable channel to ensure that customer needs are met.
Identifies opportunities to migrate customers to more appropriate, cost effective channels.
Drives the use of 5 star process by all members of staff who are constantly in contact with the customers e.g. CIC, Tellers, Customer Service Consultants Customer Consults, Business Bankers and the Receptionist.
Drives adherence to good housekeeping by all the staff.
Ensure that the branch premises, furniture, fittings and operating systems are well maintained and that they are at all times user friendly to both Staff and its Customers.

Sales Management:

Develops and implements branch sales strategy reflective of the local market conditions to ensure that the branch’s sales targets are met. This includes coaching staff on product knowledge, cross selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
Co-ordinates cross selling opportunities with other business departments like CIB, VAF and Business Banking for possible personal market businesses/ opportunities.
Conducts daily meetings with the sales team (Relationship Managers) and carry out reviews on the previous day and jointly plan for the week ahead.
Drives multi-channel utilisation and servicing to optimise sales opportunities.

Risk Management:

Drives and manages a culture that emphasises and demonstrates the importance of internal control to all staff to ensure that staff adheres to the Bank’s routine at all times by making them aware of the Bank’s best practice systems, processes and procedures.
Ensures availability of the GRG on each member of staff terminal and use of the same by all staff.
Manages use of the routine checklist for effective routine control and ensure that laid down instructions are adhered to by all the departments.
Oversees and manages maintenance of an effective control structure with control activities defined at each level and that duties are appropriately segregated.
Monitors internal controls to ensure their adequacy and effectiveness and where necessary recommend amendments to address uncontrolled risks as identified.
Ensures that all routine controls relating to new business (i.e. KYC and relative mandates) are applied effectively.

Financial Management:

Ensures that all aspects of revenue collection and operational expenditure are actively monitored and that they are in line with the operating budget.
Drives and manages the net profitability of the branch; ensure effective management of revenue collection and expenditure control
Monitors actual figures in the Trial Balance and Profit and Loss against budget and / or against past months’ performance and investigate undue variations.
Drives the growth of deposits, loans and overdrafts to increase profitability of the branch.

People Management:

Responsible for inspiring, motivating, leading and managing the team.
Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
Ensures skills assessments and competency-based training takes place as and when required.
Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
Creates an environment in which learning and development are emphasised and valued.
Takes personal responsibility for coaching and mentoring others.
Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
Promotes a culture where the values of the Bank are seen to be ‘alive’

Preferred Qualification and Experience

First degree and an additional professional qualification
5-7 Years branch banking experience in Bank Branches with exposure to all areas under control. Experience in managing a diverse range of people and activities is essential

Knowledge/Technical Skills/Expertise:

Written Communication-Applies concepts without requiring supervision, able to provide technical guidance when required
Customer Acceptance and Review-The ability to assess if the client qualifies to receive the services applied for based on established parameters and criteria.
Client Knowledge-Knowledge of the bank's clients, their names, requirements, history of relationship and key relationship issues.
Managerial Budgeting-The ability to plan the work unit budget and manage income and expenditure, through responsible implementation of policies, practices and decisions.
Coaching and Mentoring-The knowledge and skills required to direct, instruct, and train an employee/s with the aim to fulfil a goal, in order to develop specific skill/s in an enthusiastic, motivating manner.
Operational Planning-The ability to translate the organisation's vision and long term goals into medium and short term deliverables.

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36441 Location: Lagos Mainland, Lagos Job Sector: Banking Job Purpose

Ensure that customers consistently receive a high quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes) and ensuring that a strong, customer-focused service culture becomes entrenched in the service centre.
To ensure that customers are migrated to more appropriate and cost-effective channels, that cross-selling opportunities are identified and actioned, based on customer needs. Proactively identify and assess the risks faced by the centres and reduce the overall exposure by maintaining an effective system of controls.
Ensure the effective rollout of change management initiatives to the service centres. Maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities Customer Service:

Set and ensure that service standards are maintained, in line with differentiated requirements of the market segments.
Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channels.
Ensure that the centres strive for continuous service improvement.

Management of Credit and Operational Risk:

Identify the major risks affecting the centres and ensure that the necessary steps are taken to measure, monitor and manage these risks.
Recommend revision of internal controls to provincial operations where appropriate, to address new or previously uncontrolled risks.
Manage assets, eg cash and cost accountabilities, with emphasis on the containment of controllable costs.
Manage and ensure overall operational readiness/efficiency of the centres’ infrastructure (including premises, ATMs, systems), physical security, opening/closing procedures and operational issues such as fraud, losses and differences.
Ensure irregularities highlighted in routine control reports are attended to.
Co-ordinate the checking of centre tellers/treasury/blank forms.
Complete monthly centre housekeeping checklist.
Report premises/equipment issues to regional operations.
Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated.
Ensure that levels of authority and limits of access to information/systems are adhered to.
Ensure that all routine controls relating to new business are effectively applied.
Ensure compliance with OHS (Occupational Health and Safety) requirements

Management of Service Improvement:

Manage the customer problem resolution process and ensure the accurate logging of information.
Set and monitor turn-around times for resolving customer queries and complaints.
Ensure that problem root causes are resolved by facilitating corrective action and regular liaison with support entities (including issues relating to ATM and Auto E terminals).
Ensure that service measurement is maintained and action adverse trends.
Implement service recovery to facilitate customer retention.
Ensure that customers provide/have provided documentation as required in terms of FICA/KYC legislation

Management of responsive sales and relationship management:

Develop sales and relationship management plans to achieve responsive sales targets for the centers.
Manage the sales and relationship management tracking system and provide feedback and coaching to the team.
Identify different local market segments prevalent in geographical area and keep up to date with changes/developments.
Drive the lead referral system.
Coach the responsive relationship management team on product knowledge, cross-selling opportunities and assist subordinates in generating meaningful and value-added solutions for customers resulting in maximum business development.
Ensure the territory where the branch is situated has adequate feel of the bank and its products

Increased cross-selling ratios:

Effective migration of customers/transactions to more appropriate channels.
Requisite stationery and cash supplies held.
Effective, customer-orientated telephone management.
Retention of satisfied, well-informed customers as measured by Customer Evaluation of Bank Service (CEBS) ratings.
Staff effectiveness and motivation Postive findings of Inspection Compliance reports

Convene regular customer discussion forums and action the results:

Maintain awareness of serious customer complaints and attend to resolution.
Ensure that opportunities for migration of customers to more appropriate/cost-effective channels and migratable teller/enquiry transactions are identified and actioned.
Ensure efficient, customer-orientated telephone procedures.
Discuss staffing requirements as predicted by Branch Scheduling Tool (BST) with Provincial Productivity
Ensure BST schedule adherence for all reporting Service Centres

People Management:

Delegate authority and responsibility in line with business objectives and service standards to ensure the empowerment, motivation and effectiveness of all subordinates.
Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff.
Prepare a flexible staffing plan to meet service/sales demands in the centres, taking into account local conditions, resourcing options and costs.
Overall staff complement to be in line with productivity measurements. – Branch Scheduling Tool
Visibly assist the centres in achieving targets and standards of performance by providing consistent encouragement and guidance.
Ensure that equity requirements are met and transformation initiatives supported.
Identify strengths and development areas and ensure tat subordinates receive the required coaching/training
Turn-around times for processing and one-on-one customer interaction in terms of segment standards, efficient service.
Control operational losses and minimise risk compliance with laid-down instructions and effective management of credit risk, physical security etc.
Costs contained within budget.
Availability of ATMs and within target, site cleanliness requirements met, minimal vandalism.

Preferred Qualification and Experience

A Bachelor's degree in any related field
Minimum 2 years Banking Operatons experience
Minimum 6-8 years Retail Banking, Business Development experience
At least one professional qualificiation, e.g CIBN, ICAN

Knowledge/Technical Skills/Expertise:

Basic Financial Analysis – Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
Business acumen – Ability to spot opportunities and optimize revenue generation for the business
A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36451 Location: South West, NG Job Sector: Banking Job Details

Retail & Business Banking

Job Purpose

To drive execution of branch sales plans and to collaborate with the Head, Service Support (HSS) in ensuring that all customers receive a consistently high quality service in a Model C branch.
To manage available resources (sales staff, systems, processes) and ensure that a strong customer-focused service culture becomes entrenched in a branch.

Key Responsibilities/Accountabilities

Manages the branch resources to ensure delivery and maintenance of customer service standards at all times and at every service outlet within the branch, by putting the right people in the right places and also by enabling their self- development (coaching and training) for improved service delivery.
Monitors customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
Manages and oversees the provision of appropriate products and services via the most suitable channel to ensure that customer needs are met.
Identifies opportunities to migrate customers to more appropriate, cost effective channels.
Drives the use of 5 star process by all members of staff who are constantly in contact with the customers e.g. CIC, Tellers, Customer Service Consultants Customer Consults, Business Bankers and the Receptionist.
Drives adherence to good housekeeping by all the staff.
Ensure that the branch premises, furniture, fittings and operating systems are well maintained and that they are at all times user friendly to both Staff and its Customers.

Sales Management:

Develops and implements branch sales strategy reflective of the local market conditions to ensure that the branch’s sales targets are met. This includes coaching staff on product knowledge, cross selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
Co-ordinates cross selling opportunities with other business departments like CIB, VAF and Business Banking for possible personal market businesses/ opportunities.
Conducts daily meetings with the sales team (Relationship Managers) and carry out reviews on the previous day and jointly plan for the week ahead.
Drives multi-channel utilisation and servicing to optimise sales opportunities.

Risk Management:

Drives and manages a culture that emphasises and demonstrates the importance of internal control to all staff to ensure that staff adheres to the Bank’s routine at all times by making them aware of the Bank’s best practice systems, processes and procedures.
Ensures availability of the GRG on each member of staff terminal and use of the same by all staff.
Manages use of the routine checklist for effective routine control and ensure that laid down instructions are adhered to by all the departments.
Oversees and manages maintenance of an effective control structure with control activities defined at each level and that duties are appropriately segregated.
Monitors internal controls to ensure their adequacy and effectiveness and where necessary recommend amendments to address uncontrolled risks as identified.
Ensures that all routine controls relating to new business (i.e. KYC and relative mandates) are applied effectively.
Financial management
Ensures that all aspects of revenue collection and operational expenditure are actively monitored and that they are in line with the operating budget.
Drives and manages the net profitability of the branch; ensure effective management of revenue collection and expenditure control
Monitors actual figures in the Trial Balance and Profit and Loss against budget and / or against past months’ performance and investigate undue variations.
Drives the growth of deposits, loans and overdrafts to increase profitability of the branch.

People Management:

Responsible for inspiring, motivating, leading and managing the team.
Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
Ensures skills assessments and competency-based training takes place as and when required.
Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
Creates an environment in which learning and development are emphasised and valued.
Takes personal responsibility for coaching and mentoring others.
Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
Promotes a culture where the values of the Bank are seen to be ‘alive’

Preferred Qualification and Experience

First degree and an additional professional qualification
5-7 Years branch banking experience in Bank Branches with exposure to all areas under control. Experience in managing a diverse range of people and activities is essential

Knowledge/Technical Skills/Expertise:

Written Communication-Applies concepts without requiring supervision, able to provide technical guidance when required
Customer Acceptance and Review-The ability to assess if the client qualifies to receive the services applied for based on established parameters and criteria.
Client Knowledge-Knowledge of the bank's clients, their names, requirements, history of relationship and key relationship issues.
Managerial Budgeting-The ability to plan the work unit budget and manage income and expenditure, through responsible implementation of policies, practices and decisions.
Coaching and Mentoring-The knowledge and skills required to direct, instruct, and train an employee/s with the aim to fulfil a goal, in order to develop specific skill/s in an enthusiastic, motivating manner.
Operational Planning-The ability to translate the organisation's vision and long term goals into medium and short term deliverables.

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36446 Location: Artillery, Rivers Job Sector: Banking Job Details

Retail & Business Banking

Job Purpose

To drive execution of branch sales plans and to collaborate with the Head, Service Support (HSS) in ensuring that all customers receive a consistently high quality service in a Model C branch.
To manage available resources (sales staff, systems, processes) and ensure that a strong customer-focused service culture becomes entrenched in a branch.

Key Responsibilities/Accountabilities Customer service:

Manages the branch resources to ensure delivery and maintenance of customer service standards at all times and at every service outlet within the branch, by putting the right people in the right places and also by enabling their self- development (coaching and training) for improved service delivery.
Monitors customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
Manages and oversees the provision of appropriate products and services via the most suitable channel to ensure that customer needs are met.
Identifies opportunities to migrate customers to more appropriate, cost effective channels.
Drives the use of 5 star process by all members of staff who are constantly in contact with the customers e.g. CIC, Tellers, Customer Service Consultants Customer Consults, Business Bankers and the Receptionist.
Drives adherence to good housekeeping by all the staff.
Ensure that the branch premises, furniture, fittings and operating systems are well maintained and that they are at all times user friendly to both Staff and its Customers.

Sales management:

Develops and implements branch sales strategy reflective of the local market conditions to ensure that the branch’s sales targets are met. This includes coaching staff on product knowledge, cross selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
Co-ordinates cross selling opportunities with other business departments like CIB, VAF and Business Banking for possible personal market businesses/ opportunities.
Conducts daily meetings with the sales team (Relationship Managers) and carry out reviews on the previous day and jointly plan for the week ahead.
Drives multi-channel utilisation and servicing to optimise sales opportunities.

Risk management:

Drives and manages a culture that emphasises and demonstrates the importance of internal control to all staff to ensure that staff adheres to the Bank’s routine at all times by making them aware of the Bank’s best practice systems, processes and procedures.
Ensures availability of the GRG on each member of staff terminal and use of the same by all staff.
Manages use of the routine checklist for effective routine control and ensure that laid down instructions are adhered to by all the departments.
Oversees and manages maintenance of an effective control structure with control activities defined at each level and that duties are appropriately segregated.
Monitors internal controls to ensure their adequacy and effectiveness and where necessary recommend amendments to address uncontrolled risks as identified.
Ensures that all routine controls relating to new business (i.e. KYC and relative mandates) are applied effectively.

Financial management:

Ensures that all aspects of revenue collection and operational expenditure are actively monitored and that they are in line with the operating budget.
Drives and manages the net profitability of the branch; ensure effective management of revenue collection and expenditure control
Monitors actual figures in the Trial Balance and Profit and Loss against budget and / or against past months’ performance and investigate undue variations.
Drives the growth of deposits, loans and overdrafts to increase profitability of the branch.

People management:

Responsible for inspiring, motivating, leading and managing the team.
Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
Ensures skills assessments and competency-based training takes place as and when required.
Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
Creates an environment in which learning and development are emphasised and valued.
Takes personal responsibility for coaching and mentoring others.
Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
Promotes a culture where the values of the Bank are seen to be ‘alive’

Preferred Qualification and Experience

First degree and an additional professional qualification
5-7 Years branch banking experience in Bank Branches with exposure to all areas under control. Experience in managing a diverse range of people and activities is essential

Knowledge/Technical Skills/Expertise:

Written Communication-Applies concepts without requiring supervision, able to provide technical guidance when required
Customer Acceptance and Review-The ability to assess if the client qualifies to receive the services applied for based on established parameters and criteria.
Client Knowledge-Knowledge of the bank's clients, their names, requirements, history of relationship and key relationship issues.
Managerial Budgeting-The ability to plan the work unit budget and manage income and expenditure, through responsible implementation of policies, practices and decisions.
Coaching and Mentoring-The knowledge and skills required to direct, instruct, and train an employee/s with the aim to fulfil a goal, in order to develop specific skill/s in an enthusiastic, motivating manner.
Operational Planning-The ability to translate the organisation's vision and long term goals into medium and short term deliverables.

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36450 Location: Owerri, Imo Job Sector: Banking Job Purpose

Ensure that customers consistently receive a high quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes) and ensuring that a strong, customer-focused service culture becomes entrenched in the service centre.
To ensure that customers are migrated to more appropriate and cost-effective channels, that cross-selling opportunities are identified and actioned, based on customer needs. Proactively identify and assess the risks faced by the centres and reduce the overall exposure by maintaining an effective system of controls.
Ensure the effective rollout of change management initiatives to the service centres. Maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities Customer Service:

Set and ensure that service standards are maintained, in line with differentiated requirements of the market segments.
Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channels.
Ensure that the centres strive for continuous service improvement.

Management of Credit and Operational Risk:

Identify the major risks affecting the centres and ensure that the necessary steps are taken to measure, monitor and manage these risks.
Recommend revision of internal controls to provincial operations where appropriate, to address new or previously uncontrolled risks.
Manage assets, eg cash and cost accountabilities, with emphasis on the containment of controllable costs.
Manage and ensure overall operational readiness/efficiency of the centres’ infrastructure (including premises, ATMs, systems), physical security, opening/closing procedures and operational issues such as fraud, losses and differences.
Ensure irregularities highlighted in routine control reports are attended to.
Co-ordinate the checking of centre tellers/treasury/blank forms.
Complete monthly centre housekeeping checklist.
Report premises/equipment issues to regional operations.
Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated.
Ensure that levels of authority and limits of access to information/systems are adhered to.
Ensure that all routine controls relating to new business are effectively applied.
Ensure compliance with OHS (Occupational Health and Safety) requirements

Management of Service Improvement:

Manage the customer problem resolution process and ensure the accurate logging of information.
Set and monitor turn-around times for resolving customer queries and complaints.
Ensure that problem root causes are resolved by facilitating corrective action and regular liaison with support entities (including issues relating to ATM and Auto E terminals).
Ensure that service measurement is maintained and action adverse trends.
Implement service recovery to facilitate customer retention.
Ensure that customers provide/have provided documentation as required in terms of FICA/KYC legislation

Management of responsive sales and relationship management:

Develop sales and relationship management plans to achieve responsive sales targets for the centers.
Manage the sales and relationship management tracking system and provide feedback and coaching to the team.
Identify different local market segments prevalent in geographical area and keep up to date with changes/developments.
Drive the lead referral system.
Coach the responsive relationship management team on product knowledge, cross-selling opportunities and assist subordinates in generating meaningful and value-added solutions for customers resulting in maximum business development.
Ensure the territory where the branch is situated has adequate feel of the bank and its products

Increased cross-selling Ratios:

Effective migration of customers/transactions to more appropriate channels.
Requisite stationery and cash supplies held.
Effective, customer-orientated telephone management.
Retention of satisfied, well-informed customers as measured by Customer Evaluation of Bank Service (CEBS) ratings.
Staff effectiveness and motivation Postive findings of Inspection Compliance reports

Convene regular customer discussion forums and action the results:

Maintain awareness of serious customer complaints and attend to resolution.
Ensure that opportunities for migration of customers to more appropriate/cost-effective channels and migratable teller/enquiry transactions are identified and actioned.
Ensure efficient, customer-orientated telephone procedures.
Discuss staffing requirements as predicted by Branch Scheduling Tool (BST) with Provincial Productivity
Ensure BST schedule adherence for all reporting Service Centres

People Management:

Delegate authority and responsibility in line with business objectives and service standards to ensure the empowerment, motivation and effectiveness of all subordinates.
Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff.
Prepare a flexible staffing plan to meet service/sales demands in the centres, taking into account local conditions, resourcing options and costs.
Overall staff complement to be in line with productivity measurements. – Branch Scheduling Tool
Visibly assist the centres in achieving targets and standards of performance by providing consistent encouragement and guidance.
Ensure that equity requirements are met and transformation initiatives supported.
Identify strengths and development areas and ensure tat subordinates receive the required coaching/training
Turn-around times for processing and one-on-one customer interaction in terms of segment standards, efficient service.
Control operational losses and minimise risk compliance with laid-down instructions and effective management of credit risk, physical security etc.
Costs contained within budget.
Availability of ATMs and within target, site cleanliness requirements met, minimal vandalism.

Preferred Qualification and Experience

A Bachelor's degree in any related field
Minimum 2 years Banking Operatons experience
Minimum 6-8 years Retail Banking, Business Development experience
At least one professional qualificiation, e.g CIBN, ICAN

Knowledge/Technical Skills/Expertise:

Basic Financial Analysis - Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
Business acumen - Ability to spot opportunities and optimize revenue generation for the business
A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36447 Location: Port Harcourt, Rivers Job Sector: Banking Job Purpose

Ensure that customers consistently receive a high quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes) and ensuring that a strong, customer-focused service culture becomes entrenched in the service centre.
To ensure that customers are migrated to more appropriate and cost-effective channels, that cross-selling opportunities are identified and actioned, based on customer needs.
Proactively identify and assess the risks faced by the centres and reduce the overall exposure by maintaining an effective system of controls.
Ensure the effective rollout of change management initiatives to the service centres. Maintain a high level of integrity and ethical standards.

Key Responsibilities/Accountabilities Customer Service:

Set and ensure that service standards are maintained, in line with differentiated requirements of the market segments.
Ensure that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channels.
Ensure that the centres strive for continuous service improvement.

Management of Credit and Operational Risk:

Identify the major risks affecting the centres and ensure that the necessary steps are taken to measure, monitor and manage these risks.
Recommend revision of internal controls to provincial operations where appropriate, to address new or previously uncontrolled risks.
Manage assets, eg cash and cost accountabilities, with emphasis on the containment of controllable costs.
Manage and ensure overall operational readiness/efficiency of the centres’ infrastructure (including premises, ATMs, systems), physical security, opening/closing procedures and operational issues such as fraud, losses and differences.
Ensure irregularities highlighted in routine control reports are attended to.
Co-ordinate the checking of centre tellers/treasury/blank forms.
Complete monthly centre housekeeping checklist.
Report premises/equipment issues to regional operations.
Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated.
Ensure that levels of authority and limits of access to information/systems are adhered to.
Ensure that all routine controls relating to new business are effectively applied.
Ensure compliance with OHS (Occupational Health and Safety) requirements

Management of Service Improvement:

Manage the customer problem resolution process and ensure the accurate logging of information.
Set and monitor turn-around times for resolving customer queries and complaints.
Ensure that problem root causes are resolved by facilitating corrective action and regular liaison with support entities (including issues relating to ATM and Auto E terminals).
Ensure that service measurement is maintained and action adverse trends.
Implement service recovery to facilitate customer retention.
Ensure that customers provide/have provided documentation as required in terms of FICA/KYC legislation
Management of responsive sales and relationship management
Develop sales and relationship management plans to achieve responsive sales targets for the centers.
Manage the sales and relationship management tracking system and provide feedback and coaching to the team.
Identify different local market segments prevalent in geographical area and keep up to date with changes/developments.
Drive the lead referral system.
Coach the responsive relationship management team on product knowledge, cross-selling opportunities and assist subordinates in generating meaningful and value-added solutions for customers resulting in maximum business development.
Ensure the territory where the branch is situated has adequate feel of the bank and its product.

Increased cross-selling Ratios:

Effective migration of customers/transactions to more appropriate channels.
Requisite stationery and cash supplies held.
Effective, customer-orientated telephone management.
Retention of satisfied, well-informed customers as measured by Customer Evaluation of Bank Service (CEBS) ratings.
Staff effectiveness and motivation Postive findings of Inspection Compliance reports

Convene regular customer discussion forums and action the results:

Maintain awareness of serious customer complaints and attend to resolution.
Ensure that opportunities for migration of customers to more appropriate/cost-effective channels and migratable teller/enquiry transactions are identified and actioned.
Ensure efficient, customer-orientated telephone procedures.
Discuss staffing requirements as predicted by Branch Scheduling Tool (BST) with Provincial Productivity
Ensure BST schedule adherence for all reporting Service Centres

People Management:

Delegate authority and responsibility in line with business objectives and service standards to ensure the empowerment, motivation and effectiveness of all subordinates.
Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff.
Prepare a flexible staffing plan to meet service/sales demands in the centres, taking into account local conditions, resourcing options and costs.
Overall staff complement to be in line with productivity measurements. Branch Scheduling Tool
Visibly assist the centres in achieving targets and standards of performance by providing consistent encouragement and guidance.
Ensure that equity requirements are met and transformation initiatives supported.
Identify strengths and development areas and ensure tat subordinates receive the required coaching/training
Turn-around times for processing and one-on-one customer interaction in terms of segment standards, efficient service.
Control operational losses and minimise risk compliance with laid-down instructions and effective management of credit risk, physical security etc.
Costs contained within budget.
Availability of ATMs and within target, site cleanliness requirements met, minimal vandalism.

Preferred Qualification and Experience

A bachelor's degree in any related field
Minimum 2 years Banking Operatons experience
Minimum 6-8 years Retail Banking, Business Development experience
At least one professional qualificiation, e.g CIBN, ICAN

Knowledge/Technical Skills/Expertise

Basic Financial Analysis - Ability to interpret income statement, balance sheet, cash flow statement and financial ratios.
Business acumen - Ability to spot opportunities and optimize revenue generation for the business
A thorough knowledge of standardised business banking transactional products and other core products relevant to small business enterprises.
A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product programs.

Interested and qualified candidates should: Click here to apply Job Title: Branch Manager Job ID: 36449 Location: Ariaria, Abia Job Sector: Banking Job Details

Retail & Business Banking

Job Purpose

To drive execution of branch sales plans and to collaborate with the Head, Service Support (HSS) in ensuring that all customers receive a consistently high quality service in a Model C branch.
To manage available resources (sales staff, systems, processes) and ensure that a strong customer-focused service culture becomes entrenched in a branch.

Key Responsibilities/Accountabilities Customer service:

Manages the branch resources to ensure delivery and maintenance of customer service standards at all times and at every service outlet within the branch, by putting the right people in the right places and also by enabling their self- development (coaching and training) for improved service delivery.
Monitors customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
Manages and oversees the provision of appropriate products and services via the most suitable channel to ensure that customer needs are met.
Identifies opportunities to migrate customers to more appropriate, cost effective channels.
Drives the use of 5 star process by all members of staff who are constantly in contact with the customers e.g. CIC, Tellers, Customer Service Consultants Customer Consults, Business Bankers and the Receptionist.
Drives adherence to good housekeeping by all the staff.
Ensure that the branch premises, furniture, fittings and operating systems are well maintained and that they are at all times user friendly to both Staff and its Customers.

Sales management:

Develops and implements branch sales strategy reflective of the local market conditions to ensure that the branch’s sales targets are met. This includes coaching staff on product knowledge, cross selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement sales opportunities.
Co-ordinates cross selling opportunities with other business departments like CIB, VAF and Business Banking for possible personal market businesses/ opportunities.
Conducts daily meetings with the sales team (Relationship Managers) and carry out reviews on the previous day and jointly plan for the week ahead.
Drives multi-channel utilisation and servicing to optimise sales opportunities.

Risk management:

Drives and manages a culture that emphasises and demonstrates the importance of internal control to all staff to ensure that staff adheres to the Bank’s routine at all times by making them aware of the Bank’s best practice systems, processes and procedures.
Ensures availability of the GRG on each member of staff terminal and use of the same by all staff.
Manages use of the routine checklist for effective routine control and ensure that laid down instructions are adhered to by all the departments.
Oversees and manages maintenance of an effective control structure with control activities defined at each level and that duties are appropriately segregated.
Monitors internal controls to ensure their adequacy and effectiveness and where necessary recommend amendments to address uncontrolled risks as identified.
Ensures that all routine controls relating to new business (i.e. KYC and relative mandates) are applied effectively.

Financial management:

Ensures that all aspects of revenue collection and operational expenditure are actively monitored and that they are in line with the operating budget.
Drives and manages the net profitability of the branch; ensure effective management of revenue collection and expenditure control
Monitors actual figures in the Trial Balance and Profit and Loss against budget and / or against past months’ performance and investigate undue variations.
Drives the growth of deposits, loans and overdrafts to increase profitability of the branch.

People management:

Responsible for inspiring, motivating, leading and managing the team.
Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
Ensures skills assessments and competency-based training takes place as and when required.
Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
Creates an environment in which learning and development are emphasised and valued.
Takes personal responsibility for coaching and mentoring others.
Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
Promotes a culture where the values of the Bank are seen to be ‘alive’

Preferred Qualification and Experience

First degree and an additional professional qualification
5-7 Years branch banking experience in Bank Branches with exposure to all areas under control. Experience in managing a diverse range of people and activities is essential

Knowledge/Technical Skills/Expertise:

Written Communication-Applies concepts without requiring supervision, able to provide technical guidance when required
Customer Acceptance and Review-The ability to assess if the client qualifies to receive the services applied for based on established parameters and criteria.
Client Knowledge-Knowledge of the bank's clients, their names, requirements, history of relationship and key relationship issues.
Managerial Budgeting-The ability to plan the work unit budget and manage income and expenditure, through responsible implementation of policies, practices and decisions.
Coaching and Mentoring-The knowledge and skills required to direct, instruct, and train an employee/s with the aim to fulfil a goal, in order to develop specific skill/s in an enthusiastic, motivating manner.
Operational Planning-The ability to translate the organisation's vision and long term goals into medium and short term deliverables.

Interested and qualified candidates should: Click here to apply Job Title: Asset Custodian Job ID: 36431 Location: Kano Job Sector: Banking Job Details

Retail & Business Banking

Job Purpose

To ensure the availability of treasury cash, reserve and blank forms.
Ensure the availability of a fully functional cash service to tellers including the custody and balancing of vault cash, processing of vault deposits, withdrawal and handling of related reports.
Control treasury cash, blank forms, safe custody items and duplicate keys.
Understand and manage the risks associated with the custody of these items as well as the changes in the custody of assets through effective system controls.

Key Responsibilities/Accountabilities Asset custodianship:

Custodian of treasury cash, reserve, blank forms and keys & cash
Ensure that the correct procedures for handling and movement of cash assets in the branch are adhered to.
Ensure that the correct security procedures are adhered to when cash is moved to agencies and delivered to/collected from Cash Management Unit.
Effective cash management to ensure vault approved limits are adhered to.
Receive notes and coins from tellers to be lodged into the vault.
Check physical cash received / evacuated in the presence of the Cash Management Unit (CMU) representatives.
Control Keys for container / trolley (Used for transporting cash from vault to tellers).
Assist with surprise checks of tellers.

Support functions:

Attend to branch account payments.
Issue Bank Cheques as required:
- Counter sign issued Bank Cheques as required.
- Reconcile all branch suspense accounts as listed below.
- Attend to Cash Advance transactions.
- Attend to all Records Administration issues in the branch
- Attend to all issues on refunds on all closed customers accounts

ATM Custodians Support functions:

Carry out first level support (basic) on User's workstations, scanners, or other peripherals:
- Resolve basic finacle issues such as applet, Invalid username/Password, or proxy exception errors, etc
- Map users' workstations to the Combo printer and ensure quality printout
- Assist RIS connect remotely to systems & resolve simple LAN issues
- ATM support including: simple power related issues on UPS and inverter, ATM operation support (Availability, Cash management, resolution of simple issues like cash jam, paper jam, etc)
- Supervise vendors, contractors, PM engineers to ensure a good and neat work is done in the branch

Reports:

ATM Reports
Operating Cash Report
Listing of ATM Transactions

Accounts:

Cash
Vault Reserve
ATM
Overage Account
Shortage Account
SRAs
Certified Cheque
Stale Cheques
Bank Cheques

Other Functions:

Custom Duty Payments
Mails Administration
Administration of Stationery (vault out of stationary items)
Maintenance of Office Equipment
Call-over functions

Registers:

Cash Advance Register - Petty cash
Bank Cheque Register.
Customs Duty Register (where applicable)

Preferred Qualifications and Experience

Bachelor's Degree from an accredited University
Minimum 2 years branch banking experience with exposure to tellering and safe custody.

Knowledge/Technical Skills/Expertise:

Financial Analysis
ATM operating and maintenance experience
HSE certification.

Interested and qualified candidates should:Click here to apply Job Title: Relationship Manager, Commercial Banking-South East Job ID: 36430 Location: Imo Job Sector: Banking Job Details

Commercial Banking-Enugu, Onitsha. Owerri

Job Purpose

To ensure an in-depth understanding of all customers in his/her portfolio, using the Customer Value Chain Analysis (CVCA) tool, in order to effectively meet the needs of the customers.
To execute the Commercial Banking Customer Value Proposition (CVP) and Industry Value Propositions (IVPs) initiatives and activities aimed at optimising both customer experience and profitability for the Bank.
To execute an effective relationship management strategy in line with overall Commercial Banking strategy of leading with Transactional Banking.
To ensure that close personal attention is given to providing a full array of customised financial solutions and services tailored to meet the growth needs and potential of the portfolio.
To grow and retain a portfolio of high value Commercial Banking relationships by performing proactive and value adding portfolio management.
To achieve financial and non-financial targets for the portfolio.

Key Responsibilities/Accountabilities In-Depth Understanding Of All Clients In The Portfolio:

Ensure that all customers in the portfolio meet the segmentation criteria to be in Commercial Banking.
Perform customer value chain analysis (CVCA) for each name in the portfolio to gain an in-depth understanding of the customer’s business and identify opportunities linked to the customer’s business strategies.
Use the outcome of the CVCA exercise as a basis for proactively managing the customer relationship going forward.
Ensure that the annual customer review and every other engagement with the customer are used as an opportunity to deepen the understanding of the customer’s business.

Execution Of The Commercial Banking Customer Value Proposition (CVP), Industry Value Propositions (IVPs), And Other Agreed Initiatives:

Ensure effective implementation of the Commercial Banking Customer Value Proposition (CVP) to the customers in the portfolio.
Ensure effective implementation of all the Industry Value Propositions (IVP) for the country’s Commercial Banking business.
Ensure effective implementation of all other initiatives aimed at achieving the strategic objectives of Commercial Banking in Nigeria.

Relationship And Portfolio Management:

Ensure a deep understanding of the Commercial Banking customer’s business through regular value-adding interaction with the customer at their place of business.
Complete a customer value chain analysis to further understand the customer’s needs and identify sales opportunities, and deploy banking solutions to meet those needs.
Ensure accurate and updated customer information.
Implement a Customer Relationship Management (CRM) as well as Customer Engagement Management (CEM) strategy to ensure regular contact of all Commercial Banking customers in the portfolio as per the customer value proposition (CVP).

Grow And Retain A Portfolio Of High Value Commercial Banking Relationships:

Formulate, drive, measure and manage the implementation of agreed initiatives and a retention strategy for the portfolio to grow profitability per client and share of wallet across the Commercial Banking segment.
Achieve the DTF ratio budget for the portfolio, and optimal DTF ratio for each customer in the portfolio based on their industry of operation.
Optimally utilize Salesforce as CRM tool to manage pipeline and action plans resulting from CVCA exercise.

Deliver The Financial And Non-Financial Targets For The Portfolio:

Achieve the financial budgets for the portfolio through optimal growth of balances, margin management and revenue streams.
Implement and control the pricing tactics and parameters for the portfolio in line with pricing policy and financial targets.
Measure, track and manage profitability (total revenue, ARPC, CoF, average assets yields, LTD ratio) targets/budgets for the portfolio.
Ensure recovery of all revenue generating fees from customers in the portfolio.
Drive and monitor the financial performance of the portfolio by proactively implementing measures that promote full banking relationship with customers.

Preferred Qualification and Experience

A good first degree from a reputable university (minimum of second class lower).
A professional qualification or 2nd degree will be an added advantage.
3 - 5 years cognate experience in relationship management, in a Business Banking or CIB environment.
Practical direct exposure to lending principles/previous working experience in Credit Risk Management is an added advantage.

Knowledge/Technical Skills/Expertise Financial targets:

Portfolio profitability as measured by income after impairments, total revenue, ARPC, CoF, average assets yield, LTD ratio.
Net balance sheet growth (liabilities as measured by CASA and performing risk assets).
Quality of risk assets as measured by level of impairments.

Non-financial Targets:

DTF ratio.
Quality of relationship management as measured by clients’ positive experiences/level of clients’ satisfaction/client retention.
TAT on client’s transactions.
Effective utilization of Salesforce.
Quality of CVCAs.
Quality of Credit structuring and documentation.
Quality of call reports, promptness of annual reviews, etc.
Accurate segmentation, mapping and tiering of clients in the portfolio.
Acquisition of profitable NTB clients.

Interested and qualified candidates should:Click here to apply Job Title: Relationship Manager, Commercial Banking-North Central Suite Job ID: 36429 Location: Abuja Job Sector: Banking Job Purpose

Ensure an in-depth understanding of all customers in his/her portfolio, using the Customer Value Chain Analysis (CVCA) tool, in order to effectively meet the needs of the customers.
To execute the Commercial Banking Customer Value Proposition (CVP) and Industry Value Propositions (IVPs) initiatives and activities aimed at optimising both customer experience and profitability for the Bank.
To execute an effective relationship management strategy in line with overall Commercial Banking strategy of leading with Transactional Banking.
To ensure that close personal attention is given to providing a full array of customised financial solutions and services tailored to meet the growth needs and potential of the portfolio.
To grow and retain a portfolio of high value Commercial Banking relationships by performing proactive and value adding portfolio management.
To achieve financial and non-financial targets for the portfolio.

Key Responsibilities/Accountabilities In-Depth Understanding Of All Clients In The Portfolio:

Ensure that all customers in the portfolio meet the segmentation criteria to be in Commercial Banking.
Perform customer value chain analysis (CVCA) for each name in the portfolio to gain an in-depth understanding of the customer’s business and identify opportunities linked to the customer’s business strategies.
Use the outcome of the CVCA exercise as a basis for proactively managing the customer relationship going forward.
Ensure that the annual customer review and every other engagement with the customer are used as an opportunity to deepen the understanding of the customer’s business.

Execution Of The Commercial Banking Customer Value Proposition (CVP), Industry Value Propositions (IVPs), And Other Agreed Initiatives:

Ensure effective implementation of the Commercial Banking Customer Value Proposition (CVP) to the customers in the portfolio.
Ensure effective implementation of all the Industry Value Propositions (IVP) for the country’s Commercial Banking business.
Ensure effective implementation of all other initiatives aimed at achieving the strategic objectives of Commercial Banking in Nigeria.

Relationship And Portfolio Management:

Ensure a deep understanding of the Commercial Banking customer’s business through regular value-adding interaction with the customer at their place of business.
Complete a customer value chain analysis to further understand the customer’s needs and identify sales opportunities, and deploy banking solutions to meet those needs.
Ensure accurate and updated customer information.
Implement a Customer Relationship Management (CRM) as well as Customer Engagement Management (CEM) strategy to ensure regular contact of all Commercial Banking customers in the portfolio as per the customer value proposition (CVP).

Grow And Retain A Portfolio Of High Value Commercial Banking Relationships:

Formulate, drive, measure and manage the implementation of agreed initiatives and a retention strategy for the portfolio to grow profitability per client and share of wallet across the Commercial Banking segment.
Achieve the DTF ratio budget for the portfolio, and optimal DTF ratio for each customer in the portfolio based on their industry of operation.
Optimally utilize Salesforce as CRM tool to manage pipeline and action plans resulting from CVCA exercise.

Deliver The Financial And Non-Financial Targets For The Portfolio:

Achieve the financial budgets for the portfolio through optimal growth of balances, margin management and revenue streams.
Implement and control the pricing tactics and parameters for the portfolio in line with pricing policy and financial targets.
Measure, track and manage profitability (total revenue, ARPC, CoF, average assets yields, LTD ratio) targets/budgets for the portfolio.
Ensure recovery of all revenue generating fees from customers in the portfolio.
Drive and monitor the financial performance of the portfolio by proactively implementing measures that promote full banking relationship with customers.

Preferred Qualification and Experience

A good first degree from a reputable university (minimum of second class lower).
A professional qualification or 2nd degree will be an added advantage.
3 - 5 years cognate experience in relationship management, in a Business Banking or CIB environment.
Practical direct exposure to lending principles/previous working experience in Credit Risk Management is an added advantage.

Knowledge/Technical Skills/Expertise Financial Targets :

Portfolio profitability as measured by income after impairments, total revenue, ARPC, CoF, average assets yield, LTD ratio.
Net balance sheet growth (liabilities as measured by CASA and performing risk assets).
Quality of risk assets as measured by level of impairments.

Non-financial Targets:

DTF ratio.
Quality of relationship management as measured by clients’ positive experiences/level of clients’ satisfaction/client retention.
TAT on client’s transactions.
Effective utilization of Salesforce.
Quality of CVCAs.
Quality of Credit structuring and documentation.
Quality of call reports, promptness of annual reviews, etc.
Accurate segmentation, mapping and tiering of clients in the portfolio.
Acquisition of profitable NTB clients.

Interested and qualified candidates should:Click here to apply Job Title: Asset Custodian - South East Job ID: 36432 Location: Abia Job Sector: Banking Job Details

Retail & Business Banking.

Job Purpose

To ensure the availability of treasury cash, reserve and blank forms.
Ensure the availability of a fully functional cash service to tellers including the custody and balancing of vault cash, processing of vault deposits, withdrawal and handling of related reports.
Control treasury cash, blank forms, safe custody items and duplicate keys.
Understand and manage the risks associated with the custody of these items as well as the changes in the custody of assets through effective system controls.

Key Responsibilities/Accountabilities Asset custodianship:

Custodian of treasury cash, reserve, blank forms and keys & cash
Ensure that the correct procedures for handling and movement of cash assets in the branch are adhered to.
Ensure that the correct security procedures are adhered to when cash is moved to agencies and delivered to/collected from Cash Management Unit.
Effective cash management to ensure vault approved limits are adhered to.
Receive notes and coins from tellers to be lodged into the vault.
Check physical cash received / evacuated in the presence of the Cash Management Unit (CMU) representatives.
Control Keys for container / trolley (Used for transporting cash from vault to tellers).
Assist with surprise checks of tellers.

Support Functions:

Attend to branch account payments.
Issue Bank Cheques as required.
Counter sign issued Bank Cheques as required.
Reconcile all branch suspense accounts as listed below.
Attend to Cash Advance transactions.
Attend to all Records Administration issues in the branch
Attend to all issues on refunds on all closed customers accounts

ATM Custodians Support Functions:

Carry out first level support (basic) on User's workstations, scanners, or other peripherals
Resolve basic finacle issues such as applet, Invalid username/Password, or proxy exception errors, etc
Map users' workstations to the Combo printer and ensure quality printout
Assist RIS connect remotely to systems & resolve simple LAN issues
ATM support including: simple power related issues on UPS and inverter, ATM operation support (Availability, Cash management, resolution of simple issues like cash jam, paper jam, etc)
Supervise vendors, contractors, PM engineers to ensure a good and neat work is done in the branch

Reports:

ATM Reports
Operating Cash Report
Listing of ATM Transactions

Accounts:

Cash
Vault Reserve
ATM
Overage Account
Shortage Account
SRAs
Certified Cheque
Stale Cheques
Bank Cheques

Other Functions:

Custom Duty Payments
Mails Administration
Administration of Stationery (vault out of stationary items)
Maintenance of Office Equipment
Call-over functions

Registers:

Cash Advance Register - Petty cash
Bank Cheque Register.
Customs Duty Register (where applicable)

Preferred Qualification and Experience

Bachelors Degree from an accredited University
Minimum 2 years branch banking experience with exposure to tellering and safe custody.

Knowledge/Technical Skills/Expertise:

Financial Analysis
ATM operating and maintenance experience
HSE certification

Interested and qualified candidates should:Click here to apply

Abia State and 13 other locations

Abia State, Kano State, Kaduna State, Calabar, Port Harcourt, Imo State, Cross River State, Enugu State, Akwa Ibom State, Lagos State, Eket, Zaria, Owerri, Uyo

Current Job Vacancies at Stanbic IBTC Bank, 18th January, 2019

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