Job Description

Business and Financial PerformanceÂ

• Assist in the preparation of the branch budget estimates.Â
• Analyse business growth opportunities in the local market and develop appropriate strategies for capturing and growing our market share.
• Work jointly and proactively with Business Segments (Consumer & Corporate Banking) and product partners to increase Ecobank’s wallet share within the respective markets.Â
• Achieve targeted product cross-sell ratios and increase customer adoption of Ecobank’s products and services.
• Ensure that various business segments in the branch maintain a CABAL that is commensurate with overall budget projections.
• Ensure that all incomes are properly recognized.
• Grow the deposit base of the branch with specific focus on growing low-cost deposits, collections, value-chain business and channels – across all business segments.
• Achieve cost-income ratio targets of the business.
• Ensure that credit approval memoranda (CAM) meet the Banks’ credit policy guidelines and loan accounts are operated within ‘credit approval’ limits.
• Conduct regular business performance and profitability reviews.
• Ensure all Non-Performing Loan (NPL) & Past Due Obligation (PDO) ratios are kept within budgeted limits.
• Attain targeted sales goals, performance targets and customer satisfaction levels through the effective management of resources.  Â
• Identification and marketing of prospects within the target market.
• Responsible for exceeding customers’ expectation.
• Establish and sustain a customer-centric business culture in the branch, leveraging on people and technology to ensure service quality and excellence in the delivery of our products and services.
• Sustain/drive increased digital channel utilization with a specific focus on ATM uptime, Card adoption and activity levels, Mobile Banking adoption and activity, Retail Internet Banking (RIB) adoption, OMNI activity levels and POS activity and collections.
• Call on customers (at least per calling policy requirements), to determine their business needs, to obtain feedback on customer service and to ensure customer satisfaction.

Client Centricity

• Constantly review strategies to ensure that excellent, efficient and comprehensive customer service delivery, quality standards and branch ambience are constantly upheld in the branch.
• Ensure high customer satisfaction as measured and monitored through customer feedback surveys and Net Promoter Scores (NPS).
• Efficiently and effectively liaise with internal departments/Units – CIB, Trade, Risk, EBS, e.t.c. including other Branches and departments to promote and drive business volumes and profitability at the branch.

Process, Control and Operational PerformanceÂ

• Promote high ethical and integrity standards and ensure the Ecobank Values are sustained and evident at the branch.
• Ensure there is a strong internal control system in place and monitor its adequacy and effectiveness.
• Achieve satisfactory BO audit rating and fully comply with KYC/AML and regulatory guidelines.
• Achieve and sustain effective balance sheet management.
• Make recommendations to management to improve operations process in order to improve customer satisfaction.

Strategic initiativesÂ

• Drive/Champion & sustain the ongoing Ecobank transformation agenda & digitalization agenda).

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Job Description

Business and Financial performanceÂ

• Proactively develop client relationship, anticipate, and provide solutions to client needs and give high priority to client satisfaction, with responsibility for meeting or exceeding agreed performance targets and objectives.
• Ensure that client instructions are duly effected by applying all standard checks and controls in coordination with other departments.
• Achieve a satisfactory level of knowledge of Consumer Banking products and services.
• Open new personal and non-personal accounts, provide access to automated teller machine (ATMs) through sale of card products and ensure customers are online real time through sale of mobile banking and internet banking products
• Promote the sale of deposits, investment, credit, and loan productsÂ
• Complete credit and loan documentations, research and evaluate loan applicant financial status, references, credit, and ability to repay the loan, also ensure that standards and credit policies of the bank are respected and strictly followed
• Prepare statement on delinquent accounts and forward irreconcilable accounts for loan recovery actions.
• Ensure all fees and commissions on consummated transactions are taken by other units of the branch
• Ensure full re-activation of dormant accounts in line with policies and KYCÂ
• Promptly process new investment request   for customers, liquidation request and dispatch of all investment certificates at the branch level.
• Effective and constant monitory of Consumer customer’s account with a view to beefing up same
• Maintains expert knowledge of data protection law and practices, and other professional qualities to ensure that Ecobank complies with the data protection requirements and relevant NDPR compliance guidelines.
• Liaison with those responsible for risk management and security issues within the Bank.
• The interpretation and application of the various exemptions applicable to the processing of personal data.

Customer ExcellenceÂ

• Handle client queries of day-to-day nature and assist in resolving clients’ problems within the team
• Work closely in line with the Branch & Operations Team to deliver exceptional customer serviceÂ
• Implement and embody the bank’s RACE-IT culture and principles when dealing with customersÂ

Leadership and people managementÂ

• Track and provide weekly reports on Portfolio performance at RM levelÂ
• Team Player

Process, control, and operational performanceÂ

• Ensure full adherence to Operational Risk and Compliance guidelines e.g., KYC and anti-money laundering measures.
• Constantly monitor credit portfolio to ensure maximum of 3% NPL. If higher, take remedial actions to regularize.

Strategic initiativesÂ

• Lead strategic initiatives that will create business growth

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