Personal Financial Consultant Full Time
Standard Chartered Bank

Lagos, Nigeria | Bachelor's Degree | Entry Level | Full Time | Male or Female | Banking / Finance / Insurance | Banking / Financial Services

Job Summary

The role holder is responsible for driving profitable volume growth through new business acquisition and maximizing every customer (both new and existing) engagement. Their focus is on the General Mass Market segment, uncovering customer¿s needs and providing them with the right product & service solution from the full range of Consumer Banking products offered. 

In addition to acquiring new to bank customers, the role holder will manage an assigned portfolio of high value customers segment to further deepen existing relationships and grow share of wallet / potential value within the Bank.

It is expected for the role holder to be customer centric and provide excellent customer service to complete customer¿s experience. Role holder is also expected to have some knowledge and experience in offering a range of products to meet the customers needs but is unlikely to have the full knowledge and experience to offer all Consumer banking products

Job Responsibilites

Solicit new to bank customers
*Extend existing customers¿ relationships into additional / new product areas  
*Grow & improve customers value and profitability by engaging & deepening existing customers relationships
*Convert customer leads to sales
*Generate potential new leads for other parts of bank  e.g. Private Bank
Client Acquisition & Value Management (Excellence)
*Successfully improve & continuously grow customer value & portfolio size by deepening existing customer relationships
*Successful and consistent conversion of leads to sales
*Upgrade potential customers to Excel and Private Banking
Consultative & Needs Based Selling (Required)
*Consultative selling of multiple standard products to customers based on identified needs
Consultative & Needs Based Selling (Excellence)
*Refer to product specialists to advise and promote more complex products based on identified needs

Relationship Mgmt (Required)
*Proactively engage customers, establish & deepen relationship
*Qualify customer requirements appropriately
*Provide advice on potential financial solutions based on identified needs
*Provide advice and respond appropriately to less complex queries

Relationship Mgmt (Excellence)
*Build on existing relationships to grow/ and         develop customers portfolio
*Continuous engagement and build emotional connection with customers
*Cultivates a customer pipeline
*Anticipate  future basic product needs given    analysis of current state

Transaction Processing (Required)
*Accurately process transaction documentation

Transaction Processing (Excellence)
*Identify opportunities for transaction processing improvements

Job Requirements

Credit Risk Analysis (INTRODUCTORY)
Customer Relationship Management (Core)
Data Conversion & Reporting (Core)
Legal & Regulatory Knowledge (Core)
Market / Competitor Knowledge (Core)
Product knowledge (Core)
Risk Management (Core)
Needs profiling & analysis (Core)
Negotiation & Objection Handling (Core)
Needs Based / Consultative Sales Skills (Core)

Excellence in Role:
Credit Risk Analysis (Core)
Customer Relationship Management (Advanced)
Product knowledge (Advanced)
Needs profiling & analysis (Advanced)
Needs Based / Consultative Sales Skills (Advanced)

Additional Job specific skill or knowledge area;
Social / Networking skills
Phone based conversation skills.

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