Commercial Relationship Management Officer (Lagos) at Wema Bank Plc

• commercial business relationships and seek new accounts through sales.
• Giving sales presentations to a range of prospective customers and engage in frequent storm
• Be actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.
• Effectively convert service recovery to business opportunities and sustain client loyalty.
• Visiting clients and potential customers to evaluate needs or promote products and services.
• Coordinating sales efforts with marketing programs

Risk management:

• Ability to identify an acceptable level of lending risk, in line with the bank’s risk appetite statement and to maximize profit from that transaction.
• Comply with the Bank’s complaint resolution process to resolve the matter, maintain our high service standards and mitigate further risks / losses.
• Minimize risks through adherence to KYC compliance as per the bank policies and procedures in all your operations to minimize losses due to frauds.
• Discuss loan terms and conditions and conduct collateral risk analysis to ensure compliance with the banks policies and procedures.
• Ensure all documentation is valid and complete in assigned portfolio.
• Adhering to the Bank’s policies and procedures

Financial management:

• Extract and analyze financial statements, cash flow forecasts and other complex financial reports, providing accurate assessment.
• Perform prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Analyze financial statements of new customer and evaluate all loan documents.
• Contributes to the growth of deposits, loans and overdrafts to increase profitability of the branch.
• Draft and assist the Branch Managers to complete deposit funding and credit proposal papers.
• Negotiating all contracts with prospective customers
• Answering customer questions about credit terms, products, prices and availability

Customer service:

• Deliver and always maintain customer service standards, for improved service delivery.
• Log customers’ complaints through the customer query register identifying the root causes and addressing them at source to prevent recurrence.
• Provide appropriate products and services via the most suitable channel to ensure that customers’ needs are met.
• Offer a consistent yet differentiated customer experience by offering holistic needs analysis and consultation to key clients in portfolio management taking ownership of all categories of customer service matters.
• Consistent and frequent communication with client providing complete, concise portfolio valuations and guidance.
• Serves as a problem-solver for the client, helping them identify investment criteria, recognize and handle concerns that arise as consultation moves closer to decision.
• Complies with the use of appropriate processes and procedures expected of all members of staff who are constantly in contact with the customers.
• Advice customers on financial services
• Handles customer complaints and solve problems.
• Engaging customers on banking products and services
• Approach and sign on new customers

People management:

• Collaborate with peers in the branch to ensure effective support and service delivery.
• Contribute to developing a positive and proactive culture including meeting all safety and wellbeing compliance requirements.
• Role model and live the Bank’s values while adhering to all corporate HR policies.
• Exhibit Good leadership skill.

Requirements
Below are qualifications required to work as a Commercial RMO:

• Education: Minimum of First Degree in Any Discipline. Additional Qualification will be an Added Advantage
• Specialized knowledge: Minimum of 3 – 10 years cognate experience
• Professional Certification: CIBN
• Experience: Sales and Marketing
• Digitally Savvy
• Superb interpersonal skills
• Good communication skills
• A commitment to excellent customer service
• Strategic thinking and ability to analyze and solve problems quickly
• Ability to work well with others and lead a team

Advertisment