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Thursday, September 29, 2022

Job Openings at Stanbic IBTC Bank

Stanbic IBTC Bank is a full service financial services group with a clear focus on three main business pillars – Corporate and Investment Banking, Personal and Business Banking and Wealth Management.

Stanbic IBTC Bank is a major financial service provider engaged in personal banking, business banking, credit cards, corporate banking, non-interest banking, and wealth and investment banking in Nigeria.

Applications are invited from interested and qualified candidates to apply for the available positions at Stanbic IBTC.

Job Specifications:

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Job Description:
  • Proactively promote a relationship-based offering through operating as a dedicated and primary point of contact for customer in the branch, providing banking solutions which meet the customer’s needs in accordance with each of personal banking segment’s value proposition.
  • Provide an efficient personal banking service and support to a portfolio of branch based clients across the Gold, Silver and blue segments.
  • Achievement of expansion, cost management and customer retention targets through a proactive call plan and active cross selling.
  • Provide customers at the branch with basic day – to – day services.

Key Responsibilities / Accountabilities

  • Retain customers (Blue, Silver and Gold) as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy.
  • Liaise effectively with the sales team to ensure seamless transfer of clients after sale has been concluded to relationship management.
  • Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.
  • Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
  • Conduct a comprehensive calling/contact management programme for all customers aligned with the cost to serve proposition.
  • Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
  • Ensure that the Customer is central to the entire life cycle approach of maximising sustainable value add to both the Customer and the Bank.
  • Establish, build and strengthen relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
  • Place equal emphasis on liability generating (non-borrowing) and borrowing customers.
  • Commitment to Service excellence and superior service delivery aligned to SLA’s and turnaround time commitments.
  • Ensure that customers are appropriately educated regarding the value of using self-service channels (Internet Banking, ATMs & Mobile Banking) to empower customers and minimise adhoc service requests. Assist with migration to facilitate the migration of customers to self-service channels where appropriate.
  • Ensure that customers are well informed with regards to lending application processes (e.g. vehicle finance, home loans, overdraft, credit card, personal loans, etc), credit maintenance processes (e.g. annual reviews) and account conduct expectations (e.g. minimum account balances, provision for debit orders and cheque payments, etc).Clearly and transparently inform customers of contract/account terms and conditions, fees, rates and commissions where applicable. Be prepared to articulate the value added if challenged on pricing. Ensure that qualifying customers (as defined by the Country segment value proposition) are timeously migrated into the correct segment.
  • Retain ownership of customer requests, complaints and applications – follow every task through to completion keeping the customer updated on progress.
  • Generate and pass on leads. Follow up to ensure that the customer is satisfied with the service received. Interact and build strong working relationships with Business Banking and CIB colleagues to entrench the holistic customer relationship with the bank. Interact frequently and build strong working relationships with enabler and fulfilment functions (including credit specialists, product specialists and wealth specialists) to shorten turnaround times.
  • Manage credit and operational risks in accordance with laid down policies and procedures.
  • Take accountability for credit management of portfolio, including the completion of referral reports, taking action regarding exception reports to eliminate accounts in excess, ensure that all accounts have limits and that reviews occur timeously. 
  • Establish and build knowledge and understanding of product and credit application processes to eliminate reworking and ensure acceptable turnaround times for customers.
  • Maintain proper records (filing, update customer records on bank system, etc).Ensure data integrity on the banking software.
  • Attend to all correspondence relating to the portfolio, including e-mails, phone calls, messages, documentation, faxes, queries and complaints, etc.
  • Appropriate Monitor initial activation and usage of transaction accounts and proactively take steps to mitigate dormancy.
  • Follow proper procedures when closing accounts, including the recovery of outstanding funds/fees and retention of chequebooks/cards.
  • Cooperate and work effectively with others in pursuit of team goals by sharing information, providing support, showing care and being considerate of other team members.

Key Performance Measures

  • Portfolio/balance sheet growth
  • Sales performance (meeting and exceeding of targets as per scorecard and dashboard).
  • Financial performance (growth in customer and portfolio revenue through retention, acquisition and increased cross-sell).
  • Planning and management of customer calling program.
  • Minimal non-performing loans, accounts in excess, unlimitised accounts, overdue reviews and credit application rework.
  • Service quality measured by customer satisfaction surveys.
  • Compliance, routine control & audit reports
  • Harmonious relationships with sales team, other branch staff, HNI team and support staff.
  • Behaviours/Attitude.

Success Factors:

  • High score on accreditation exam
  • Value targets achieved/exceeded
  • Continuous referrals from existing customers in portfolio
  • High cross-sell ratios at a customer and portfolio level
  • Minimal customer attrition – high level of portfolio growth plus low dormancy rates
  • Minimal non-performing loans, accounts in excess, overdue reviews and credit application reworks
  • Increase in market share
  • High score on CEBS
Qualifications and Requirements:
  • 2 years+ banking experience, preferably interfacing with customers.
  • Strong relationship management background.
  • Experienced in upholding the highest levels of service.
  • Experience in completing credit applications successfully

Head, Information Technology

Job Specifications:

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Job Description:
  • To run Information Technology of Stanbic IBTC Asset Management Nigeria in line with leading practices in order to reduce operational issues, maximise operational efficiency and drive standardisation of operating processes and procedures across all IT services in ensuring new technology is deployed without impacting production.
  • To promote sharing of resources and ensure adequate capacity is available to meet SLAs.
  • Has a mandate for end-to-end service delivery in Stanbic IBTC Asset Management Nigeria to ensure availability, stability and performance of IT services; ensuring sustenance of service delivery levels across application, infrastructure services, IT Security, Software Development and Project Management.
  • Management, ownership, forecasting and performance evaluation of all of the Asset Management’ IT infrastructure, Services, Channels and Applications.

Key Responsibilities / Accountabilities

  • Deployment and operation of the infrastructure environment spanning data centres, network, mainframe, Security, open systems and distributed environments. In addition, role covers capacity management, and disaster recovery functions.
  • Stable IT Services
  • Availability of IT services
  • Secure IT Network and Applications
  • Forecasting and Capacity management planning of IT infrastructure.

Drive standardization of platforms and solutions and Dynamic application of support capabilities:

  • Availability of IT services in line with agreed service levels
  • Customer satisfaction levels.

Management Asset Management IT staff members and resources:

  • Daily management of Asset Management IT staff members and resources
  • Provision of resources and tools to staff members to deliver on their jobs
  • Ensure effective utilization of IT Assets and Tools.

Standardise and Optimise solutions development:

  • Ensure Solutions delivery are implemented with software development standard
  • Ensure Secure Coding technique
  • Customization and integration of third party applications are secure.

Liaises with the outsourcing service provider/vendors to ensure that outsourced functions are carried out according to pre-agreed service level agreements and manage all production issues to resolution, leveraging our 3rd party vendors where necessary:

  • Compliance level to pre-agreed SLAs and OLAs
  • Customer satisfaction levels.

Manage the Asset Management IT budget preparation and execution:

  • Plan and provide budget input when due to subsidiaries
  • Monitor, control and direct spend in alignment to the approved budget.

Ensure effective delivery of IT Projects in Asset Management:

  • Manage the planning and execution of Projects
  • Ensure It Projects are aligned to the business strategy
  • Facilitate the stakeholder engagement for effective delivery of projects
  • Tracking of Projects Benefits .

Work closely with executive management on IT related services:

  • Build and maintain good working relationship with required executive members.
Qualification and Requirement:
  • Minimum of First Degree or its equivalent in numerate or semi-numerate disciplines such as Engineering, Computer Sciences, Statistics, Mathematics.
  • Technically competent with broad knowledge of systems management, development and implementation methods with specialist knowledge of Information technology Infrastructure and Security.

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ATM Custodian (Nationwide)

Job Specifications:

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Job Description:
  • Ensure the availability of a fully functional Automated Teller Machine (ATM) service to customers including the custody and balancing of ATM cash, processing of ATM deposits and handling of ATM computer reports.
  • Ensure that laid-down instructions for handling and movement of treasury cash to and from tellers SBV are adhered to
  • Ensure that current stock of blank forms received is recorded and signed for according to laid-down procedures
  • Ensure that record keeping is carried out according to laid-down instructions for treasury cash, blank forms and safe custody items
  • Ensure that swept deposits are correctly handled appropriately
  • Ensure that all irregular items have been actioned before the end of the day
  • Understand and manage the risks associated with the custody of ATM’s as well as the changes in the custody of assets through an effective system of controls.

Key Responsibilities / Accountabilities
Monitoring of cash holdings:

  • Ensure that cash does not exceed prescribed limits
  • Ensure that sufficient cash levels are maintained to meet normal customer requirements

ATM Up-time:

  • Ensure all ATM channels uptime do not fall below the prescribed ATM %uptime
  • Ensure that Auto Bank and Auto Cash terminals are always adequately stoked with cash and stationery
  • Maintain close liaison with Auto Bank Control Centre to ensure that equipment problems are dealt with promptly
  • Ensure that potential faults that could cause equipment to malfunction are identified and resolved on time
  • Ensure that all ATM terminals are kept clean and maintained in good condition

ATM Cash:

  • Control ATM cash according to laid-down instructions
  • Balance cash at the required intervals
  • Report and action differences in ATM cash promptly
  • Ensure that ATM cash is safeguarded against unnecessary and preventable loss.

Reports:

  • Action ATM reports as listed on the Duty List promptly
  • Reconcile ATM cash daily
  • Action Care Suspects accurately and on time, resulting in reduced operating losses
  • Ensure that cash does not exceed prescribed limits
  • Ensure that sufficient cash levels are maintained to meet normal customer requirements
Qualification and Requirement:
  • Minimum of 2.2 from University
  • 1-3 years experience

Competencies:

  • Problem Solving
  • Draw on experience of branch cash requirements and cyclical impacts on cash resources to plan for fluctuating cash demands and optimize cash holdings
  • Plan and execute regular maintenance requirements for ATM terminals, and deal with day to day unexpected interruptions to service in order to maximise productivity.

Asset Custodian (Nationwide)

Job Specifications:

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Job Description:
  • To ensure the availability of treasury cash, reserve and blank forms.
  • Ensure the availability of a fully functional cash service to tellers including the custody and balancing of vault cash,  processing of vault deposits, withdrawal and handling of related reports.
  • Control treasury cash, blank forms, safe custody items and duplicate keys.
  • Understand and manage the risks associated with the custody of these items as well as the changes in the custody of assets through effective system controls.

Key Responsibilities / Accountabilities
Asset Custodianship:

  • Custodian of treasury cash, reserve, blank forms and keys & cash
  • Ensure that the correct procedures for handling and movement of cash assets in the branch are adhered to.
  • Ensure that the correct security procedures are adhered to when cash is moved to agencies and delivered to/collected from Cash Management Unit.
  • Effective cash management to ensure vault approved limits are adhered to.
  • Receive notes and coins from tellers to be lodged into the vault.
  • Check physical cash received / evacuated in the presence of the Cash Management Unit (CMU) representatives.
  • Control Keys for container / trolley (Used for transporting cash from vault to tellers).
  • Assist with surprise checks of tellers.

Support Functions:

  • Attend to branch account payments.
  • Issue Bank Cheques as required. 
  • Counter sign issued Bank Cheques as required.
  • Reconcile all branch suspense accounts as listed below.
  • Attend to Cash Advance transactions.
  • Attend to all Records Administration issues in the branch.
  • Attend to all issues on refunds on all closed customers accounts.

ATM Custodians Support Functions:

  • Carry out first level support (basic) on User’s workstations, scanners, or other peripherals
  • Resolve basic finacle issues such as applet, Invalid username/Password, or proxy exception errors, etc
  • Map users’ workstations to the Combo printer and ensure quality printout
  • Assist RIS connect remotely to systems & resolve simple LAN issues
  • ATM support including: simple power related issues on UPS and inverter, ATM operation support (Availability, Cash management, resolution of simple issues like cash jam, paper jam, etc)
  • Supervise vendors, contractors, PM engineers to ensure a good and neat work is done in the branch.

Reports:

  • ATM Reports
  • Operating Cash Report
  • Listing of ATM Transactions.

Accounts:

  • Cash
  • Vault Reserve
  • ATM
  • Overage Account
  • Shortage Account
  • SRAs
  • Certified Cheque
  • Stale Cheques.
  • Bank Cheques.

Other Functions:

  • Custom Duty Payments
  • Mails Administration
  • Administration of Stationery (vault out of stationary items)
  • Maintenance of Office Equipment
  • Call-over functions.

Registers:

  • Cash Advance Register – Petty cash
  • Bank Cheque Register.
  • Customs Duty Register (where applicable).
Qualification and Requirement:
  • Bachelor’s Degree from an accredited University
  • Minimum of 2 years branch banking experience with exposure to tellering and safe custody.
Explore More Opportunities

Executive Banker, Affluent Banking (Nationwide)

Job Specifications:

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Job Description:
  • Provide banking solutions which meet the Executive Banking customer’s needs in accordance with the business segment’s value proposition To Provide an efficient personal banking service and support to a portfolio of branch based exclusive banking clients and High Net worth Individuals. Provide exclusive banking customers at the branch with basic day – to – day services.

Key Responsibilities / Accountabilities

  • Retain Executive Banking customers as per the criteria outlined in the segment value proposition and reflected by the Country segment strategy; Generate and pass on leads. Follow up to ensure that the customer is satisfied with the service received. Interact and build strong working relationships with Business Banking and Commercial Banking colleagues to entrench the holistic customer relationship with the bank. Interact frequently and build strong working relationships with enabler and fulfilment functions (including credit specialists, product specialists and wealth specialists) to shorten turnaround times.
  • Outputs and Measures:
    • Financial performance (growth in customer and portfolio revenue through retention, acquisition and increased cross-sell).
    • Customer Loyalty
    • Sales and financial targets as per KRA scorecard
    • Liability Generation
    • Profitability
    • Mining the ecosystems through Collaboration
  • Liaise effectively with the sales team to ensure seamless transfer of clients after sale has been concluded to relationship management; Retain ownership of customer requests, complaints and applications – follow every task through to completion keeping the customer updated on progress.
  • Outputs and Measures:
    • Contribution Growth (i.e. increase in customer profitability).
    • Customer retention
    • Pro-actively identify cross-sell opportunities within own portfolio of customers to maximise life cycle opportunities.
    • Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective;
    • Take accountability for credit management of portfolio, including the completion of referral reports, taking action regarding exception reports to eliminate accounts in excess, ensure that all accounts have limits and that reviews occur timeously;
  • Appropriate Monitor initial activation and usage of transaction accounts and proactively take steps to mitigate dormancy
  • Outputs and Measures:
    • Contribution Growth (i.e. increase in customer profitability
    • Planning and management of customer calling program
    • Minimal non-performing loans, accounts in excess, unlimitised accounts, overdue reviews and credit application rework.
    • Service quality measured by customer satisfaction surveys.
    • Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities;
  •  Pro-actively manage the portfolio to maximise revenue for the Bank (referring to fees, margins and sales), minimise costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
  • Outputs and Measures:
    • Collaboration
    • Customer retention
  • Ensure that the Customer is central to the entire life cycle approach of maximising sustainable value add to both the Customer and the Bank;
  • Establish, build and strengthen relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals; Place equal emphasis on liability generating (non-borrowing) and borrowing customers.
  • Output and Measures:
    • Increased Customer satisfaction index
    • Customer retention
Qualification and Requirement:
  • First Degree
  • Field of study: Finance and Accounting, Business Commerce, General Social Science
  • Professional Qualifications: CIBN, ACA/ICAN, ACCA, ICEN, RIMAN

Experience:
Wealth Management:

  • Job Family: Wealth Advisory
  • Years: 1-2 Years
  • Experience Description: Must demonstrate hands-on experience in Wealth Advisory

Investment Banking:

  • Job Family: Investment Banking
  • Years: 1-2 Years
  • Experience Description: Must demonstrate hands-on experience in investment banking

Relationship Banking:

  • Years: 5-7 Years
  • Experience Description: Minimum of 5 years relevant banking experience, preferably in a customer facing role and strong relationship management.

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