Keystone Bank Recruitment for Graduate and Experience March, 2014

Keystone Bank is a full service commercial bank wholly owned by the Asset Management Corporation of Nigeria (AMCON) and was granted banking license on August 5, 2011, by the Central Bank of Nigeria (CBN). The Bank has met and exceeded all capital and capital adequacy requirements of the CBN and assumed the deposit liabilities, certain other liabilities and assets of former Bank PHB Plc, following the revocation of the erstwhile bank's operating License by the CBN.

Keystone Bank is recruiting to fill the below position:


Job Title: RELATIONSHIP OFFICER

Specialization     Banking / Finance / Insurance
Job Level     Experienced Hire
Required Experience     3 - 5 years
Required Banking Experience     3 - 5 years
Application Deadline     30-Jun-2014
Job Description

To build and cultivate relationships with potential/existing customers and translate those relationships into profitable business for the Bank

Duties And Responsibilities:

    Act on behalf of and perform other tasks as assigned by the Branch Manager
    Analyze and screen applications for credit based on the Bank’s credit risk procedures
    Assist customers in the account opening process
    Contribute to the formulation and implementation of strategies necessary to acquire and sustain accounts in the commercial sector of the market
    Ensure timely resolution of customer complaints and issues
    Identify customer needs/buyer values and proactively seek to provide products/ services to meet the identified needs
    Initiate and carry out recovery action on non-performing credit facilities on assigned accounts
    Maintain a comprehensive database of existing relationships/prospects
    Manage assigned credit portfolio and monitor the quality of existing credit relationships on a continuous basis
    Participate in regional and other team meetings
    Prepare monthly activity and performance reports for Regional Manager’s attention
    Regularly contact customers via telephone calls and physical marketing visits to obtain feedback on service quality and customer satisfaction levels
    Review applications for credit facility (in line with the Bank’s policy) and make appropriate recommendations/decisions

Key Performance Indicators:

    % of loan recovery
    % of retained customers
    CASA, Tenored, PBT achievement against Target
    Customer satisfaction index
    Dormant/Inactive account ratio
    Loan loss Provision/Total Loans and Advances
    Number of Performing/Non-performing Loans and Advances
    Quality of credit portfolio maintained
    Quality of customer base
    Revenue/customer growth rate

Minimum Education Qualifications:

    First Degree from a reputable University

Post Graduate Qualifications:

    A relevant post graduate qualification or higher degree (e.g. MBA) would be an added advantage

Professional Qualifications:

    Membership of a relevant professional management body would be an added advantage

Skills And Competencies:

    Knowledge of basic products and services in the Financial Services Industry
    Possession of basic listening skills to understand customer requests
    Ability to provide prompt, accurate and complete resolution to general
    Requests and directs technical queries to the most appropriate solution provider
    Excellent communication and interpersonal skills
    Interpersonal and communication Skills
    Computer Appreciation
    Customer service orientation
    Negotiation Skills


How to Apply

Click here to Apply


Job Title:  Team Member, Asset Remedial Management


Specialization     Banking / Finance / Insurance
Job Level     Experienced Hire
Required Experience     1 - 3 years
Required Banking Experience     1 - 3 years
Application Deadline     11-Mar-2014
Job Description

Responsible for accounts in catchment area that are past due by at least 181 days. This includes accounts classified doubtful, lost and those that have been written off to memorandum database without prejudice to the provision status of such past due accounts as well as accounts recommended by Management or Branch.

Duties And Responsibilities:

    Recovery of classified non-performing accounts
    Following up with customers with past due payments through the    telephone, letters, e-mail, text messages and visitations
    Site inspection and visitation of the premises of customers
    Outsourcing of recovery to Debt Recovery Agents
    Appointment of solicitors in conjunction with Legal Department for recovery of accounts that are under litigation
    Assessing repayment proposals from customers and making  recommendation to Executive Management
    Writing proposals for waivers of interest, write-off and write-back to P/L
    Initiating & managing Receivership and foreclosure of pledged assets
    Review of performance of delinquent accounts in order to recommend for either declassification or write-off based on the provisions of the Bank’s Credit Manual
    Manage and keep track of costs and contribution to Income of the Bank
    Manage liason with the Asset Management Corporation of Nigeria (AMCON) and respond to general queries for information, statement of accounts, collateral release and write off.

Key Performance Indicators:

    Cash recoveries measured against set group quarterly target
    Reduction in actual number of Non Performing Loans in assigned portfolio
    Diligence, speed and accuracy in completion of assigned task.

Minimum Education Qualifications:

A good first degree from any reputable University

Post Graduate Qualifications:

A relevant Post Graduate degree will be an added advantage

Professional Qualifications:

Relevant Professional Qualification will be an advantage

Skills And Competencies:

    Knowledge of basic products and services in the Financial Services Industry
    Possession of basic listening skills to understand customer requests
    Ability to provide prompt, accurate and complete resolution to general
    Requests and directs technical queries to the most appropriate solution provider
    Excellent communication and interpersonal skills
    Interpersonal and communication Skills
    Computer Appreciation
    Customer service orientation
    Negotiation Skills


How to Apply

Click here to Apply


Job Title:  Unit Head, Contract Drafting & Administration


Specialization     Legal
Job Level     Experienced Hire
Required Experience     7 - 10 years
Required Banking Experience     5 - 7 years
Application Deadline     11-Mar-2014
Job Description

-Timely and quality legal drafting and interpretation of contracts under advice to the Head of Regulatory Monitoring. -Valuable and inspiring team leadership and team effectiveness in the Legal Services Dept.

Duties And Responsibilities:

    Initiate the development and preparation of policy, procedures and strategies for administration of contracts, contingent liabilities and transaction advisory services.
    Offer needed support services to business owners during negotiation of contracts.
    Prepare, draft or review all contract instruments (excluding bank’s leases and properties), SLAs, Contracts, letters, contingent liabilities and all matters pertaining to contracts to which the bank is a party, and such other documents creating legal obligations for the bank as may, from time to time, be assigned to the unit.
    Prepare, draft, review or update relevant bank’s standard formats, standard letters, contract letters, standard agreements, and other contract or business instruments or documents.
    Provide legal advice on, prepare and or vet all documents pertaining to, international trade transactions to which the bank is a party, including but not limited to matters arising from transportation of goods by sea; marine insurance; bills of lading; letters of credit; bills of exchange; and promissory notes.
    Provide legal advice on, prepare and or vet all documents pertaining to, the bank’s e-business and electronic funds transfer transactions, including but not limited to internet banking, telephone banking, smartcards, ATMs, POS systems and wire transfers.
    Provide legal advice, prepare and or vet documents pertaining to the bank’s engagement with correspondent banks, whether domestic or offshore.
    Provide legal advice, prepare and or vet documents pertaining to all capital market transactions to which the bank is a party, including but not limited to mergers, acquisitions, takeovers, corporate restructurings, reorganizations and such other transactions recognized by the Investments and Securities Act, 2007.
    Subject to the concurrence of the General Counsel and or Head of Regulatory Monitoring, engage and monitor external solicitors for the conduct of due diligence and drafting in respect of highly technical contracts, and perfection of leases and real estate contracts, etc as may be required by law.
    Maintain an effective database for management of key information relating to all the Bank’s contracts towards effective monitoring and handling of performance issues, breaches, risks and any potential regulatory threats.
    Provide guidance and leadership to the team to ensure effective execution of the Team/Unit’s activities; and monitor actual activity and performance levels against the approved budget.
    Prepare and agree career development plans (in conjunction with the Human Capital Management Group) and conduct periodic performance appraisal sessions with subordinate staff in line with stipulated career and performance management policies and procedures.
    Regularly appraise the activities and functions of the unit and make recommendations for improvement to the Head, Regulatory Monitoring.
    Assist in the development of the department’s budgets and in the coordination of the department as required.
    Perform other duties as assigned by the General Counsel and or Head, Regulatory Monitoring.


Key Performance Indicators:

    Quality and timeliness of legal drafting and contracts review.
    Reduction in costs arising from the use of external support, from perfection/non-perfection of contracts, and from contract breaches or non-performance etc
    Prompt detection and escalation of risk indicators through effective contract administration and data management.
    Team and Unit’s Effectiveness
    Rating on internal customer/customer satisfaction survey
     Additional KPIs as may from time to time be advised by Head, Regulatory Management and or General Counsel.

Minimum Education Qualifications:

    First degree in Law

Post Graduate Qualifications:

Relevant Post Graduate degree will be an advantage

Professional Qualifications:

Relevant Professional Qualification will be an advantage

Skills And Competencies:

    Understands the structure and format of contractual documents as well as the key principles and contents of the law of contract and banking; and applies the correct legal terms to conditions.
    Demonstrates advanced knowledge of legal and regulatory issues in business and commercial transactions.
    Sound knowledge of commercial, financial, banking, taxation, employment, property and conveyance laws
    Understands the process of contracts negotiation, verification, execution, administration and perfection.
    Excellent drafting skills with strong flair for rigorous academic research and meticulous analysis of business, financial and commercial issues.
    Professional administrative skills, contracts negotiation skills, effective writing, research, and analytical skills.


How to Apply

Click here to Apply


Job Title:  Team Leader, Asset Remedial Management
Specialization     Banking / Finance / Insurance
Job Level     Experienced Hire
Required Experience     5 - 7 years
Required Banking Experience     5 - 7 years
Application Deadline     11-Mar-2014
Job Description

Responsible for accounts in catchment area that are past due by at least 181 days. This includes accounts classified doubtful, lost and those that have been written off to memorandum database without prejudice to the provision status of such past due accounts as well as accounts recommended by Management or Branch.

Duties And Responsibilities:

    Recovery of classified non-performing accounts
    Following up with customers with past due payments through the    telephone, letters, e-mail, text messages and visitations
    Site inspection and visitation of the premises of customers
    Outsourcing of recovery to Debt Recovery Agents
    Appointment of solicitors in conjunction with Legal Department for recovery of accounts that are under litigation
    Assessing repayment proposals from customers and making  recommendation to Executive Management
    Writing proposals for waivers of interest, write-off and write-back to P/L
    Initiating & managing Receivership and foreclosure of pledged assets
    Review of performance of delinquent accounts in order to recommend for either declassification or write-off based on the provisions of the Bank’s Credit Manual
    Manage and keep track of costs and contribution to Income of the Bank
    Manage liason with the Asset Management Corporation of Nigeria (AMCON) and respond to general queries for information, statement of accounts, collateral release and write off.

Key Performance Indicators:

    Cash recoveries measured against set group quarterly target
    Reduction in actual number of Non Performing Loans in assigned portfolio
    Diligence, speed and accuracy in completion of assigned task.


Minimum Education Qualifications:

A good first degree from any reputable University

Post Graduate Qualifications:

A relevant Post Graduate degree will be an added advantage

Professional Qualifications:

Relevant Professional Qualification will be an advantage

Skills And Competencies:

    Knowledge of basic products and services in the Financial Services Industry
    Possession of basic listening skills to understand customer requests
    Ability to provide prompt, accurate and complete resolution to general
    Requests and directs technical queries to the most appropriate solution provider
    Excellent communication and interpersonal skills
    Interpersonal and communication Skills
    Computer Appreciation
    Customer service orientation
    Negotiation Skills


How to Apply

Click here to Apply

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