Team Lead Commercial Banking Officer

Job Summary: 

The role holder is to provide exceptional
customer service and support the daily operations of the branch. You will work
closely with customers, colleagues, and managers to ensure a smooth and
efficient banking experience for all. 

Key Result Areas:  

1. Products
   Development 
   

• Identify
  types of retail & commercial banking and financial service products
  and services that best serve specific needs and objectives
  customers. 
  

• Propose
  relevant financial or banking instruments to serve specific customer needs
  and objectives. 
  

• Analyze
  the risks and profitability of various retail & commercial banking and
  financial services of products.  
  

• Identify
  the impact of market forces on the performance of the Bank’s products and
  services. 
  

2. Market
   Place Knowledge, Strategic and Conceptual Selling   
   

• Possesses
  a comprehensive understanding of relationship management strategies and
  techniques. 
  

• Demonstrates
  skill in building and nurturing client relationships. 
  

• Conducts
  regular client meetings and discussions to understand their needs and
  preferences. 
  

• Collaborates
  with internal teams to deliver exceptional client service and
  support. 
  

3. Credit
   Risk Management   
   

• Evaluate
  customer financial strength based on reputation of customers, repayment
  history, adequacy of equity capital, volatility in sources of funds
  intended to be used by customers for repayment of loan along with
  interest, value of collateral and dependence level on economic condition
  of customers. 
  

• Evaluate
  credit rating or scoring by conducting detailed analysis on customer
  character and matching of facility characteristics to be extended. 
  

• Develop
  the terms and conditions such as interest rates, payment period and
  payment options etc. according to customer’s needs and results of
  risk assessments. 
  

4. Customer
   Relationship Management 
   

• Understand
  the principles and steps in handling customers’ complaints in order
  resolve the case independently. 
  

• Understand
  the importance of complaints handling and the possible impacts on
  the bank. 
  

• Obtain
  more information about the complaints and resolve
  customers’ grievances. 
  

• Take
  customers’ complaints as opportunities to identify insufficient service
  areas and react positively to enhance service delivery. 
  

•  Identify
  the expectations of customers and demonstrate a customer-centric
  mindset. 
  

5. Key
   Accounts Management 
   

• Exhibits
  strong interpersonal and communication skills to build and nurture
  relationships with key clients. 
  

• Demonstrates
  an understanding of client needs and effectively aligns banking solutions
  to their business objectives. 
  

• Builds
  trust, credibility, and rapport with clients through active engagement and
  attentive listening. 
  

• Conducts
  regular client reviews and proactively addresses client concerns and
  challenges. 
  

6. Banking
   Operations Policies & Procedures   
   

• Ensure
  that operations procedures of different retail banking transactions
  designed could be able to facilitate the daily operations running smoothly
  and all procedures are following regulatory requirements. 
  

• Ensure
  that the models for evaluating the effectiveness of operational procedures
  are designed. 
  

• Carry
  out review and evaluation of operational procedures and make necessary
  adjustments. 
  

7. Branch
   Operations and Management 
   

• Exhibits
  a deep understanding of advanced branch operations functions and their
  interdependencies. 
  

• Provides
  expert guidance on complex operational matters, such as cash management,
  vault operations, and security protocols. 
  

• Implements
  process improvement initiatives to streamline branch operations and
  enhance customer experience. 
  

• Implements
  initiatives to enhance the customer experience and drive customer
  engagement in the branch. 
  

• Contributes
  to the development and implementation of branch management policies and
  procedures. 
  

8. Digital
   Banking and Technology 
   

• Keep
  track of the digital banking development and financial technology
  utilization trend in financial service industries; review current
  practices of the bank and propose enhancement measures accordingly. 
  

• Recommend
  general banking management solutions and digital channels or eCommerce
  products by utilizing updated development including forefront technology,
  products and services development trend, etc. in digital
  banking channel. 
  

• Manage
  data mapping function and compile requirements definition for new initiatives. 
  

• Liaise
  with relevant business and operation units to optimize digital
  banking channels. 
  

9. Commercial
   Lending and Relationship Management   
   

• Understanding
  of commercial lending processes, policies, and regulations. 
  

• Demonstrates
  knowledge of credit underwriting, financial analysis, and loan
  structuring. 
  

• Conducts
  thorough analysis of financial statements and prepares credit
  proposals. 
  

• Demonstrates
  knowledge of customer segmentation, needs assessment, and relationship
  building strategies. 
  

• Collaborates
  with internal stakeholders to identify cross-selling opportunities and
  deliver comprehensive banking solutions. 
  

Requirements

·       Bachelor's
degree in Banking & Finance, Economics, Business
Administration or in any related field.

·       At
least 0-8 years of cognate experience. 

·       Additional
academic qualification is an added advantage. 

·       Relevant
professional qualification e.g., CIBN, ICAN, ACA, ACCA etc. is an added
advantage