JOB OBJECTIVE:

Promote the image and values of the Bank under existing environment/competition, and a growing emphasis on quality customer service to ensure overall performance/profitability of the branch and customer satisfaction.

ACCOUNTABILITIES

• Identify and market prospects within the target market.
• Carry out deposit mobilization initiatives for Current & Savings Accounts (CASA) and Fixed Deposits Accounts.
• Prepare customers’ risk asset applications and collate/direct data to the approving authority through the appropriate channels.
• Ensure existing investments and liquidation are done accurately and promptly.
• Render all reports (credit/risk asset reports, deposit liability reports, and LDR status reports) to the Business Manager on a weekly basis.
• Efficiently process new investment requests and review existing investment/liquidation requests accurately.
• Ensure accurate and prompt handling of investments and liquidation processes.
• Create quality risk assets and effectively manage the balance sheet in line with targets.
• Monitor customers’ account balances consistently to identify opportunities for increasing balances.
• Stay updated on economic, financial, and political events at local and national levels that may impact deposit liability generation and credit facilities.
• Identify customers’ needs and proactively provide products/services to meet those needs, while advising on appropriate bank product selection.

REQUIRED COMPETENCIES

Functional / Technical Competencies

Knowledge of NIB Practices and Guidelines

• Credit Analysis
• Sales & Marketing Skills
• Business Acumen
• Knowledge of Banking Operations
• Product Knowledge
• Customer Needs Identification
• Analytical Skills
• Knowledge of Market & Industry
• Negotiation
• Knowledge of CBN Prudential Guidelines
• Knowledge of NIB Industry and Regulations

General Competencies

• Interpersonal Relations
• Communication Skills

Behavioral Competencies

• Empathy
• Respect for Ethical Conduct
• Initiative
• Decision Quality & Problem Solving
• Time & Self-Management

Organizational Competencies

• Execution (Bias for Action)
• Excellence (Focus on High Performance)
• Continuous Learning
• Service Excellence (Internal or External)