Business Banker in Lagos, Nigeria

at Standard Chartered Bank

Banking / Financial Services
Minimum Qualification
Bachelor's Degree
Required Experience
3 - 5 years
Employment Type
Full Time
Male or Female
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Job Description

  • Explain, promote and sell a range of appropriate Stanbic IBTC product offerings and solutions that meet the financial needs of small business customers.
  • Selling includes acquiring and opening new business accounts (walk - in - customers)
  • Cross selling additional products & services to existing customers (walk - in customers, during pro-active telephonic conversations).
  • Identifying sales leads for associate company stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); Card; etc.
  • Mining existing customer data to identify expansion and / or additional business opportunities.
  • Identifying opportunities to migrate top - end customers.
  • Providing a central "no - frills" (information / query handling) service point for a portfolio of small business customers.
  • Preforming a liaison role between customers and back - office service fulfilment and credit functions.
  • Interacting with clients and conducting needs analyses to assist clients to better understand their financial requirements.
  • Accurately and efficiently processing customer mandates /documentation requirements for banking facilities.
  • Educating clients regarding the parameters and routine procedures governing standard SME product and service offerings to ensure the correct customer behaviour and product usage.
  • Advice given to customers should benefit both the customer and Standard Bank - wrong and unprofitable customer behaviour should not be encouraged.
  • Explain credit loan facility options and qualifying criteria to customers.
  • Support customers in the completion of credit application information requirement's e.g. persona balance sheets, cash flow statements, financial statements and management accounts.
  • Process scored credit applications within the confidential limit of authority and BRI scores.
  • Notify customers regarding the approval of credit loan facilities.
  • Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice, in line with Financial Advisory and Intermediary Service Act license categories.
  • Adhering to record keeping requirement's as outlined by CBN and the Nigeria Financial Intelligence Unit (NFIU).



  • Minimum of 3 years relevant experience in Banking preferably in relationship / transactional banking.
  • Business Assistant experience to the Business Manager ideal.
  • Experience in Credit origination
  • Previous experience within the personal / consumer banking environment as a Customer Consultant / Personal Banker and / or Enquiries Officer is preferable.
  • Previous experience in running a small business
  • This experience provides an understanding of how to interact with and sell to personal banking customers, how to open bank accounts, as well as how the principles of scored lending are applied in practice

Knowledge/Technical Skills/Expertise:

  • Customer Understanding
  • Product Knowledge
  • Banking Process and Procedures
  • Sales Planning and Reporting
  • Interpreting Financial Statements
  • Loan Assessment and Approval
  • Financial Industry Regulatory Framework



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