Retail Sales Officer (Abuja)

Sterling Bank Plc "Your one-customer bank" is a full service national commercial bank in Nigeria. In over 50 years of operations, Sterling Bank (formerly NAL Bank) has evolved from the nation’s pre-eminent investment banking institution to a fully-fledged commercial bank; and completed a merger with 4 other banks - Indo-Nigeria Merchant Bank, Magnum Trust Bank, NBM Bank and Trust Bank of Africa - as part of the 2006 consolidation of the Nigerian banking industry.
We are recruiting to fill the position below:
Job Title: Retail Sales Officer
Location:Abuja
Job type: Full-time
Specialization(s): Banking / Finance / Insurance
Job Objective
Promote the image and values of the Bank under existing environment/ competition, and a growing emphasis on quality customer service to ensure overall performance/profitability of the branch and customer satisfaction

Accountabilities
Identify and market prospects within the target market
Carry out deposit mobilization initiatives (Current & Savings accounts (CASA, Fixed Deposits account)
Prepare customers’ loan applications and collate/direct data to the approving authority through the appropriate channels
Ensure existing investments and liquidation are done accurately and promptly
Render all credit/risk asset reports, deposit liability report and LDR status report to Business Manager on a weekly basis
Efficiently process new investment requests and review existing investment/liquidation requests accurately
Ensure existing investments and liquidation are done accurately and promptly
Create quality risk assets and effectively manage balance sheet along target lines
Carry out effective and constant monitoring of customers’ account balances with a view to beefing up same
Keep abreast of local and national economic, financial and political events which may impact on deposit liability generation and credit facilities
Identify customers’ needs, proactively seek to provide products/services to meet such needs and advice on appropriate selection of banks products

Key Performance Indicators
Financial:
Risk Asset mobilized against set target
Current & Savings Account mobilized against set target
No of non-performing loans
Profitability and growth in deposit
Impact of product / service cross selling to Group's profitability

Customer:
Number of accounts managed, dormancy ratio and new accounts opened

People:
Learning Score

Process & Others:
Level of compliance to KYC/AML / CFT guidelines
Number of Operational risk controls and compliance issues raised
Process efficiency improvement initiatives
Number of Alternate Channels activated

Risk & Control:
Internal Audit rating