Commercial Relationship Management Officer (Kano) at Wema Bank Plc

Wema Bank Plc is widely regarded as the longest surviving and one of the most resilient indigenous banks in Nigeria. Over the years, the bank has provided a full range of value adding banking services and financial advisory solutions to individuals and businesses across the country.

A Commercial Relationship Management Officer is part of the sales team responsible for building and maintaining relationships with customers while identifying and closing sales opportunities. The role also involves attracting prospective commercial customers and monitoring market competition in order to remain competitive.

Sales Management

• Execute branch commercial sales strategies based on local market conditions to ensure sales targets are achieved
• Maintain strong product knowledge, cross sell banking products, and stay updated on developments within the local market
• Drive customer acquisition and grow commercial business volumes through the opening of different types of accounts
• Provide feedback to the sales team and product management on market conditions and opportunities for new or improved products for small and medium scale businesses and individuals
• Manage existing commercial business relationships while identifying and securing new accounts
• Deliver sales presentations to prospective customers
• Maintain a positive sales environment through education on the bank’s products and services
• Convert service recovery opportunities into business opportunities while sustaining customer loyalty
• Visit clients and potential customers to evaluate needs and promote banking products and services
• Coordinate sales activities with marketing programs

Risk Management

• Identify acceptable lending risk levels in line with the bank’s risk appetite and maximize profitability from transactions
• Follow the bank’s complaint resolution process to address issues and mitigate further risks or losses
• Adhere to KYC compliance requirements and operational policies to reduce fraud risks
• Discuss loan terms and conditions and conduct collateral risk analysis in line with bank policies
• Ensure all documentation for assigned portfolios is valid and complete
• Comply with the bank’s policies and operational procedures

Financial Management

• Extract and analyze financial statements, cash flow forecasts, and other financial reports to provide accurate assessments
• Conduct prequalification assessments and analyze financial conditions and risks associated with financing requests
• Review financial statements of new customers and evaluate loan documentation
• Support growth of deposits, loans, and overdrafts to improve branch profitability
• Draft and assist Branch Managers in preparing deposit funding and credit proposal papers
• Negotiate contracts with prospective customers
• Respond to customer inquiries regarding credit terms, products, pricing, and availability

Customer Service

• Deliver and maintain high customer service standards to improve service delivery
• Record customer complaints in the query register, identify root causes, and address them to prevent recurrence
• Provide appropriate banking products and services through suitable channels to meet customer needs
• Deliver a consistent yet differentiated customer experience through needs analysis and consultation for key clients
• Maintain frequent communication with clients by providing portfolio valuations and guidance
• Support clients by helping them identify investment criteria and resolve concerns during the decision making process
• Follow appropriate processes and procedures when dealing with customers
• Provide financial service advice to customers
• Handle customer complaints and resolve issues
• Engage customers on banking products and services
• Approach and onboard new customers

People Management

• Collaborate with colleagues within the branch to support effective service delivery
• Contribute to a positive and proactive workplace culture
• Comply with safety and wellbeing requirements
• Demonstrate the bank’s values while following corporate HR policies
• Exhibit strong leadership skills

• Minimum of a First Degree in any discipline. Additional qualifications will be an added advantage
• 3 to 10 years of relevant experience
• Professional Certification: CIBN
• Experience in Sales and Marketing
• Digitally savvy
• Strong interpersonal skills
• Good communication skills
• Commitment to excellent customer service
• Strategic thinking with the ability to analyze and solve problems quickly
• Ability to work well with others and lead a team

Benefits

• Healthcare coverage for employees and their families
• Elderly care provision through the bank’s HMO plan allowing enrollment of a parent under health coverage
• Paid parental leave including maternity and paternity leave
• Year end bonus known as the 13th month allowance
• Company events including team building activities and networking opportunities
• Competitive salary packages
• Leave allowance when employees take annual leave
• Profit sharing opportunities tied to company performance

Interested and qualified candidates should apply through the official application portal.