Now Recruiting: Diamond Bank

Currently Recruiting: Diamond Bank

Diamond Bank Plc – We are a leading financial institution that is goal driven. In Diamond Bank we are apt to discover young talented individuals and empower them to achieve full potentials in their career path.

With continuous training and development programs, exquisite professional courses from best hands within and outside the country, we are out to maintain our standard of excellence service delivery to both our external and internal customers. Little wonder, we have been honoured the Best Trainer of the Year award from the Industrial Training Fund (ITF).

RELATIONSHIP MANAGER

JOB DESCRIPTION
Business Development:
Marketing and prospecting for new Businesses. Identify associated risk, structure and present
Business for Management’s approval.
Obtain referrals from existing customers and also deepen wallet of existing Businesses
Liability Generation & Management
Deal Structuring & Execution
Preparation of information memorandum

Due Diligence:
Ensure that customer’s Business and practices are in line with CBN’s regulations
Prevent money laundering by actively monitoring customer’s accounts for suspicious transactions
Conduct other due diligence, credit review & risk assessment activities.
Review of Financial Modelling & Sensitivity Analyses
Sensitize Base case financial models to ascertain transaction borrowing base and associated debt service coverage ratio
Project Appraisals & Review of Financial Models
First level Credit Analyses, Credit Review & Risk Assessment:

Business credit write-ups for Line Manager’s review and Designated Lending Authority’s approval.
Loan Origination & Syndication
Credit Review & Monitoring
Involved in Asset recovery/remediation

Formal Qualifications
University Degree with a minimum of Second Class Lower Division (2.2) in any field
Post graduate qualification in any business / social science discipline is an advantage.
Years Experience:

A minimum of 3years working experience of which 2 years minimum in Credit, Marketing and Relationship Management.

JOB SUMMARY
Ensure that customers Business and practices are in line with CBNs regulations, Prevent money laundering by actively monitoring customers accounts for suspicious transactions, Conduct other due diligence, credit review and risk assessment activities.
Package includes

Salary
Health benefits
Pension

ACCOUNT OFFICER, EMERGING BUSINESSES

JOB SUMMARY
Attract, serve, and retain existing and potential customers, sell the banks products and services to maximize the banks profitability and to meet and exceed customer expectations to support the delivery of the Banks strategic objectives through the provision of exceptional services.
To sell the Banks products to customers with the objective of meeting financial targets while ensuring that customers needs are met.

JOB DESCRIPTIONS
Identify and engage designated number of customers daily.
Cross sell to our existing database, reactivate closed accounts, recover outstanding charges etc. from this engagement customers daily.
Cross-sells the bank’s products / service offerings to existing & walk-in customers.
Identify opportunities to cross-sell additional products whilst conducting the sales process by understanding customer needs, recommending suitable products and making sales.
Identifies and leverages sales and cross selling opportunities in the banking hall through customer engagement.
Create, follow – up and close up on sales opportunities; follow up with existing and potential customers in order to retain and attract them.
Follow up and convert leads provided by the product team
Articulate, provide Sales Report to the Branch Manager and join the Morning & EOD Sessions with BM
Visit at least 5 existing customers daily to discuss account activities, banking needs and share some  basic information, great benefit, advantages and product features
Support emerging market campaigns in the branch to ensure campaign goals are met.
All existing customers must at least be engaged once every month
Assist the Branch Manager in the implementation of the Marketing and Sales Strategy in order to achieve targets
Perform other duties as assigned by the Branch and Area Managers.

JOB REQUIREMENTS
Excellent communication (verbal, written, presentations), reporting and networking skills.
Excellent Customer Relationship and Interpersonal Skills; Strong competence in staff and customer engagement skills; Good relationship Management
Basic Banking Operations/Products Knowledge
Selling/Marketing /Service
Technical understanding of the financial industry, the Bank’s businesses and operations.
Excellent ability to work under pressure/deadlines and manage multiple priorities.

MINIMUM QUALIFICATION
Bachelor’s degree (B.sc, B.Ed, B.eng, B.Arts) with a minimum of Second Class Lower Division (2.2) in any discipline.
Master’s degree would be an added advantage.
Preferred years of experience – 1 year work experience

Package
Salary
Health benefits
Pension

BUSINESS MANAGER

Job Level: Mid-level management
Job Type: Permanent

JOB DESCRIPTION
Relationship Management:
Relationship Management of Corporate/Commercial Banking customers
Customer Acquisition and Retention
Liability Generation & Management.

Profitability:
Ensuring proper pricing, monitoring of Risk Assets
Developing value propositions
Efficient Balance Sheet management
Management of Expense

Risk Assets Creation, Monitoring & Management:
Identifying & Creating Risk Quality Assets
Financial Statement analysis
Credit analysis and appraisal
Loan Monitoring & Asset Recovery

Business Analytics:
Preparing strategic reports (e.g. weekly, monthly, quarterly business review reports, budget preparation)
Corporate and Structured Finance
Ensuring deep industry knowledge and leadership
People Management:

Ensuring the bank’s standards, vision, core values and mission statement are followed by the team
Mentoring and providing direction for subordinates
Staff welfare
Staff Training & Skill Management
Periodic Appraisal of direct reports

Formal Qualifications
University Degree with a minimum of Second Class Lower Division (2.2) in any field
Post graduate qualification in any business / social science discipline is an advantage (MBA/MSC)
Professional Qualifications like ACCA, ICAN etc is an added advantage
Preferred years of experience: 8 years
Package Includes

Salary
Health benefits
Pension

TEAM LEAD, RISK STRATEGY AND ASSESSMENT

Job Level: Mid-level management
Job Type: Accounting/Audit/Tax

JOB SUMMARY
The Team Lead, Risk Strategy and Assessment is a position in the organisation that is part of Risk Measurement and Special Projects Group, reporting directly to the Head, Risk Measurement and Special Projects.

JOB DESCRIPTION
The role is tasked with developing and update of the bank’s ICAAP, CAR, RRP, DSIB, Stress Test reports and other Basel related guidance. The role is responsible for leading a team charged with the following responsibilities among others:

Implementation of Basel II/III in line with regulatory directives
Preparation of internal capital adequacy assessment process (ICAAP)
Development and review of the Recovery and Resolution Plan (RRP)
Rendition of statutory Domestic- Systemically Important Banks (DSIB) reports to CBN.
Validation, stress testing and documentation of risk models and assumptions.
Calculation of capital adequacy ratio (CAR) for the Bank
Calculation of the risk-based pricing for commercial exposures
Updating risk charges used by the bank for business segments budgeting.
Support implementation and validation of Obligor Rating system (PD, LGD, EAD estimation)
Stress Testing
Other projects and tasks as assigned by the Head, Risk Measurement and Special Project.

MINIMUM QUALIFICATION
Minimum of University Degree in a related discipline with at least qualification of Second Class Lower Division (2.2).
Minimum of 5 years Experience in a related role.
Package includes

Salary
Health Benefits
Pension.

BRANCH MANAGER

Job Type: Permanent
Job Level: Mid-level Management

JOB SUMMARY
The Branch Manager is responsible for providing superior customer experience in the branch while delivering sales results and plans that align with overall business targets or objectives;
Inspiring and creating a motivating environment through activity based team performance development; ensuring ongoing coaching and monitoring of staff activities and direct interactions with customers;
Ensuring adherence to operational controls, including legal, corporate and regulatory policies and procedures for the safety and security of customers and bank assets.

JOB DESCRIPTION
Supervise activities of the Account Officers to ensure timely and efficient service delivery to customers.
Monitor key success factors to ensure that the Branch’s performance meet and surpass set target.
Monitor and analyze the macro environment to identify potential business opportunities for the bank and value creation for customers.
Review, Agree and Co-ordinate Action Plans for marketing retail and creditvproducts.
Implement strategies for client solicitation and marketing customers in the targeted industry segments.
Maintain good relationship with existing customers for prospective business opportunities and formulate strategies to develop new markets and establish relationships with new customers.
Achievement of established market goals/targets of assigned market group.
Maintain existing commercial relationships and identify/establish new ones.
Monitor loan accounts on a regular basis.
Identify corporate/commercial accounts needs/buyer values and proactively seek to provide product/services to meet identified need as appropriate.
Supervise appraisal/review of corporate/consumer customer facility applications.
Manage credit portfolios of assigned market team.
Regularly review customer segment marketing strategies/goals and make appropriate recommendations.
Monitor and evaluate performance of relationship managers.
Discuss credits requirements with clients and oversee the development of appropriate financing packages to meet customers’ needs.
Consult with Legal department for advice on adequate credit securities and ensure perfecting of such securities.
Submit periodic reports on the Account Officers to the Areal Manager and recommend remedial actions to correct deviations from plan.
Provide the Areal Manager with information for setting and implementing the
Region’s Operational Objectives and Goals.
Make spot client calls with Account Officers to monitor marketing quality and to market the bank’s services and discuss various proposals.
Prepare the annual budget of the branch for the approval of the Area.

MINIMUM QUALIFICATION
Bachelor’s Degree (B.Sc, B.Ed, B.Eng, B.Arts)
Preferred years of experience: 5
Package Includes

Salary
Health Benefits
Pension.

ACCOUNT OFFICER, XCLUSIVE

Job Type: Permanent
Job Level: Entry Level

JOB SUMMARY

Attract, serve, and retain existing and potential customers, sell the banks products and services to maximize the banks profitability and to meet and exceed customer expectations to support the delivery of the Banks strategic objectives through the provision of exceptional services.
To sell the Banks products to customers with the objective of meeting financial targets while ensuring that customers needs are met.

JOB DESCRIPTION

Identify and engage designated number of customers daily.
Cross-sells the bank’s products / service offerings to existing & walk-in customers.
Visit a minimum of 5 customers/prospects per day. Such visits should be scheduled and reasons for the calls agreed with the BM.
Contact a minimum of 10 dormant accounts for reactivation per day. This can be via visits, telephone calls or emails.
Provides previous day sales report and balance sheet movement to the Branch Manager (BM) at the Early Morning Sessions (EMS).
Logs on to CRM application to attend to all unresolved cases and follow up on pending issues.
Processes new and pending customers’ requests.
Reviews the state of all accounts to be contacted that day.  This shall include reviewingthe status of account (active or inactive); determine if account has outstanding documentation, determine account performance (trend of inflows and outflows),  determine the status of customer’s request (if any) and review the product holding of the customer to determine cross-sell opportunities.
Determine the Alternative Delivery Channels (ADCs) currently subscribed by the customer and relevant platform to introduce the client to.
Reviews the list of uncollected welcome packs, uncollected cards and uncollected cheque books and engage the customers to pick up the uncollected items or have the items delivered to the clients.
Confirms from operations unit (CSM/CTSS/CSE) that all account opening packages dropped the prior day have been opened and all maintenances (MIS) properly done.
Reviews the dormant account list to select dormant accounts to engage for reactivation
Reviews the prospect list (including leads generated from the center) to select the prospects to engage for the day.
Calls account holders of all accounts opened the prior day to welcome them to Diamond
Bank and to introduce himself/herself as the account officer. This call should be in line with DB’s standard script.
Support Xclusive market campaigns in the branch to ensure campaign goals are met.
Assist the Branch Manager in the implementation of the Marketing and Sales Strategy in order to achieve targets.
Perform other duties as assigned by the Branch and Area Managers.
Minimum Qualifications

Bachelor’s degree (B.sc, B.Ed, B.eng, B.Arts) with a minimum of Second Class Lower Division (2.2) in any discipline. Masters would be an added advantage.
Preferred years of experience: 1
Package includes

Salary
Health benefits
Pension.

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