Relationship Management Officer at Wema Bank Plc

Wema Bank Plc – Widely reputed as the longest surviving and most resilient indigenous bank in Nigeria, Wema Bank Plc has, over the years, diligently offered a fully-fledged range of value-adding banking and financial advisory services to the Nigerian public.

Job position: Relationship Management Officer (ABO – DM)
Location: Nigeria

Job Summary

The Relationship Management Officer is a part of the sales team who builds and maintains relationships with customers, develops, exploits, and consummates sales opportunities, drawing in prospective commercial & retail customers. To observe the competition to see what strategies are being used to stay ahead of the competition.

Job Responsibilities
Sales management:

1. Execute the branch commercial sales strategy reflective of the local market conditions to ensure that sales targets are met. This includes having product knowledge, cross-selling and keeping up to date with changes and developments in the local market/area to drive optimal achievement of sales opportunities.
2. Strong communication and interpersonal skills, and the ability to build and maintain relationships.
3. To focus on driving customer acquisition and growing volumes in the commercial business in the Bank through the opening of different types of accounts.
4. To give feedback to the sales team and product management in market situations on new product/existing product development/upgrade for growing small and medium-scale businesses and individuals in our marketing environment.
5. Manages and maintains current commercial business relationships and seeks new accounts through sales.
6. Giving sales presentations to a range of prospective customers and engaging in frequent storms
7. Be actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.
8. Effectively convert service recovery to business opportunities and sustain client loyalty.
9. Visiting clients and potential customers to evaluate needs or promote products and services.
10. Coordinating sales efforts with marketing programs

Risk management:

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

Financial management:

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

Customer service:

1. Deliver and always maintain customer service standards for improved service delivery.
2. Log customers’ complaints through the customer query register, identifying the root causes and addressing them at source to prevent recurrence.
3. Provide appropriate products and services via the most suitable channel to ensure that customers’ needs are met.
4. 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.
5. Consistent and frequent communication with clients, providing complete, concise portfolio valuations and guidance.
6. Serves as a problem-solver for the client, helping them identify investment criteria, recognise and handle concerns that arise as the consultation moves closer to a decision.
7. Complies with the use of appropriate processes and procedures expected of all members of staff who are constantly in contact with the customers.
8. Advise customers on financial services
9. Handles customer complaints and solves problems.
10. Engaging customers in banking products and services
11. Approach and sign new customers

People management:

1. Collaborate with peers in the branch to ensure effective support and service delivery.
2. Contribute to developing a positive and proactive culture, including meeting all safety and well-being compliance requirements.
3. Role model and live the Bank’s values while adhering to all corporate HR policies.
4. Exhibit Good leadership skills.

Requirements

1. Education: Minimum of a First Degree in Any Discipline. Additional Qualification will be an Added Advantage
2. Specialised knowledge: Minimum of 5 – 10 years cognate experience
3. Professional Certification: CIBN
4. Experience: Sales and Marketing
5. Digitally Savvy
6. Superb interpersonal skills
7. Good communication skills
8. A commitment to excellent customer service
9. Strategic thinking and the ability to analyse and solve problems quickly
10. Ability to work well with others and lead a team

How to Apply
Interested and qualified candidates should:
Click here to apply online