Business Banking Relationship Manager, Lagos-(2000002489)
Africa & Middle East-Nigeria-Lagos
Africa & Middle East-Lebanon
Ongoing Introduction 1 Leading the way in International Banking. We support the people and companies driving investment, trade and wealth creation across Asia, Africa and the Middle East.
And our heritage and values are expressed in our brand promise here for good.
The Role Responsibilities & Our ideal Candidate
Job Purpose :
Manage and Increase penetration of BB portfolio accounts assigned at branches
Market and Sell BB products to BB clients through consultative approach and detailed understanding of customers’ business(es) and internal offerings to enhance revenues and profit.
Improve customer experience and service delivery to BB clients under my portfolio as assigned
Focus more on borrowing, trade, NGO, schools, general commerce and high revenue clients
Awareness and understanding of the wider business, economic and market environment in which the Group operates.
Key Responsibilities :
Engage NTB clients via leads sourced from Supplier & Buyer ecosystem, Alliances, Targeted lists and Store catchment with full range of Business banking (BB) products
Activate NTB clients, and set up and educate clients on remote channel usage i.e., online, Client Centre, ATM; If client is high value, direct Business Banking Team to client
Reactivate dormant accounts in portfolio
Ensure all accounts in portfolio are qualified for RM management.
Drive deepening activities with high value / potential clients using full range of BB products and collaboration with specialist
Analysis of needs and provision of BB products and services
Understand client businesses to ensure needs are met via BB products and Services by leveraging analytics backed next best conversations
Maintain integrity of clients credit portfolio through effective monitoring, early action and remedial actions.
Develop a feedback system which will adequately keep the Head BB Client Relationship & Sales abreast of key customer service developments, weakness and strengths in the competition via weekly call reports, that will effectively assist in overall BB strategic / franchise planning
Share minutes of meeting with clients same day of the meeting (as specified in the operating rhythm)
Share contact plans every Monday morning or first working day of the week with your LM (as specified in operating rhythm)
Call memos to be collated and submitted every Friday morning or last working day of the week with your LM (as specified in operating rhythm).
Call memos to be documented on all calls.
Liaise and provide leadership in areas of expertise, particularly in the provision of products and services to customers.
Provide feedback to senior management, marketing and product management on customer’s needs and the efficiency of marketing strategies and tactics.
KYC / ALM Clause :
Ensure you remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to the key principles in relation to :
Identify your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers.
Sales support teams (WMPS, Treasury, Trade, BB Trade service, BB Credit Analysts, BB Products, Client Experience, BRM / Assurance
Branch managers and Head of Operations on issues to BB customers
Branch departmental, GTO & credit managers and staff for BB customer’s account opening, servicing and administration
Product Development and Analytics>
product review, development, implementation and analysis
SBIM for scorecard / KPI discussions
KYC / ALM Clause :
Revenues and Footings of BB segments at country level
Image and reputation of the business and Bank
Customer experience and relationship stickiness
COMPLEXITY / JUDGEMENT :
Complexity in managing portfolio of customers balancing effort / reward.
FREEDOM OF DECISION MAKING
Many day to day decisions regarding customers ( not credit)
Significant latitude in managing and prioritising workload
Good first degree or requisite technical skills gained through professional associations and practical experience.
Good working knowledge of BB products and industry lending products