Business Banking in Lagos, Nigeria

at Stanbic IBTC Bank

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

Job Description

Position Description

To provide a basic, branch-based business banking sales and service facility to a portfolio of small business customers requiring uncomplicated and standardized financial product solutions


•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 telephone 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. 
•Performing a liaison role between customers and back - office service fulfillment 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 behavior and product usage. 
•Advice given to customers should benefit both the customer and Standard Bank. Wrong and unprofitable customer behavior should not be encouraged. 
•Explain credit loan facility options and qualifying criteria to customers. 
•Support customers in the completion of credit application information requirements e.g. personal 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 requirements as outlined by CBN and the Nigeria Financial Intelligence Unit (NFIU)


Minimum of a 2.2 B.Sc degree from an acredited University

Minimum of 3 years relevant experience in Banking preferably in relationship/transactional banking.
Business Assistant experience to the Business Manager is ideal. Previous experience within the personal/ consumer banking environment as a Customer Consultant/ Personal Banker and/or Enquiries Officer is preferable. 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.
Experience in Credit origination
Previous experience running a small business.
Leadership and assertive skills 
Conceptual, Innovative and Analytical
Customer-service oriented
Excellent verbal communication skills 
Good presentation and negotiation skills 
Organized and Result-oriented 
Socially Confident: Enjoys meeting people, puts people at ease, is good with words and knows what to say (even when communicating disagreeable information). 
Persuasive: Enjoys selling and negotiating, changes the opinions of others, is convincing with arguments. 
Critical: Good at probing the facts, challenges assumptions, sees disadvantages. 
Innovative: Generates ideas, shows ingenuity and design solutions within product parameters. 
Systematic: Likes to get every detail right, methodical and organized, precise, accurate, neat and tidy with paperwork. 
Conscientious: Completes jobs, plans and sticks to deadlines and perseveres with routines. 
Resilient: Maintains enthusiasm despite set backs, is rarely upset by criticism, and is emotionally restrained. 
Displays empathy and helpfulness towards others. 
Integrity and honesty is regarded as crucial and not negotiable. 
Results orientated: Strongly motivated to compete and achieve impressive results, strives to improve, has a “can do” attitude and enjoys challenges.
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