Personal Banker: STANDARD BANK

Job ID 10159 Location Nigeria Division Business Banking Position Category Distribution and Channels Employment Type Full Time - Permanent Shift No Regulatory Approval Yes Post Closing Date Nov 30, 2012   Division Proposition 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  Personal Banker to help us fulfil our business objectives and build customer loyalty.
Position Description • Provide an efficient and technical proficient personal banking service and support to a portfolio of branch based clients • Achievement of acquiring, expansion, cost management and customer retention targets • Provide customers with basic day-to-day services Accountabilities/KRA: • Motivate credit applications for facilities according to laid down procedures. • Selling all products through every opportune interaction moment with customers and prospective clients to meet the sales target in volume and value terms. • Strategize on marketing the products to beat the other players in the market i.e. competitors. • Advice customers as well as prospective clients on all banking issues as well as financial matters. Advise management on preferred changes in offering services to customers basing on their feedback. • Maximising return from existing and new customers on banks product through cross selling offered by other business units. • Identify major risks affecting clients and to ensure necessary steps are taken to measure, monitor and control these risks. • Portfolio management to ensure low risk and minimum write offs. • Prepare facility letters after vetting from credit department within turnaround times. • Action queries and instructions from clients. • Explain products and procedures clearly and in a factual manner. • Collect all necessary mandates forms for new accounts. • Open accounts according to laid down procedures. • Attend to renewal and early repayments of investment accounts. • Portfolio Management- ensure that all records are kept in order and up to date. • Ability to sell Gold products such as VAF, Home loans and Investment products. • Ability to work independently with minimum supervision in the branch of domicile. • Ability to relate amicably with credit dept. to motivate for credit approval within a reasonable time frame.
Required Skills and Qualifications • Detail conscious- methodical, accurate, precise and systematic. • Complete job once started. Concerned about meeting deadlines. • Emotionally mature- remains calm under pressure avoids outbursts. • Integrity- does what he/she will do, is reliable and consistent. • Sociable- puts people at ease, is quick to establish rapport. • Data rational- is good with data, operates on facts. • Strong service ethic. • Service focussed - goes extra mile in ensuring that needs of others are met and surpassing clients expectations. • Result oriented- ensures tasks result in required output. • Adhering to our Vision and Values Team player.
Required Competencies • Minimum of 2 years banking experience • Strong relationship management background. • Experienced in upholding the highest levels of service. • Experienced in completing credit applications successfully. • Good knowledge of local market. • Previous experience within the consumer banking environment as a Customer Consultant or Enquiries Officer is preferable. Core Competencies: • Mature & professional demeanour. • An effective networker at all levels, both inside and outside the bank. • Ability to identify customers’ requirements for specialist financial/product expertise and advice. • Articulate in the communication/presentation of financial solutions and factual information to customers. • Strong communication, negotiation and persuasion skills. • Independent, socially confident, quick to establish rapport and build credibility with customers. • Fosters confidence among customers. • Ability to educate customers. • Ability to listen and probe customer responses effectively to ensure proper understanding of needs. • Advanced sales and consulting skills. • Achievement orientated, embracing and achieving challenging targets. • Self-motivated and energetic. • Consistent, honest and trustworthy – demonstrating integrity. • Ability to remain calm and focused under pressure and during conflict situations. • Able to have difficult conversations with confidence – declining a pricing/rate concession, effectively communicating a declined loan application to the customer without blaming Credit, etc. • Ability to function effectively within a team.
APPLY NOW	We are an equal opportunities employer and are totally opposed to discrimination in any form. It is our policy to provide equal employment opportunities for all employees regardless of race, sex, colour, nationality, national or ethnic origin, sexual orientation, marital / partnership status, religion, age or disability.