Jobs at Keystone Bank

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.

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  • RELATIONSHIP OFFICER


    Specialization     Banking / Finance / Insurance
    Job Level             Experienced Hire
    Required Experience      3 - 5 years
    Required Banking Experience     3 - 5 years
    Application Deadline      01-Aug-2013
    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


    Location: Not Specified
    Experience: 3 year(s)
    Course of Study: Not Specified
    Required Grade:  Not Specified



  • RESIDENT INTERNAL CONTROL OFFICER (RICO)


    Specialization     Accounting / Audit / Tax
    Job Level             Experienced Hire
    Required Experience      3 - 5 years
    Required Banking Experience     1 - 3 years
    Application Deadline      01-Aug-2013


    Job Description
    To ensure adequate protection of the bank’s assets, compliance with the policies and procedures of the bank as well as regulatory requirements, the accuracy of records and the smooth running of the branches under the coverage area

    Duties And Responsibilities:

    For the assigned clusters/units:
    Ensure Policy/Procedure/Regulatory Compliance on transactions or activities initiated by or to the assigned branches;
    Provide Control and Compliance Counseling, Advisory and Decision Support Service to the business units (SBUs) and strategic resource functions (SRFs).
    Create and improve homogenous Compliance Culture in the branch that aligns with the control and business objectives of the Bank.
    Build strong KYC and KYC (B) compliance environment in the assigned business units
    Ensure integrity of the transactions and GL accounts in the branch through daily review of the branches GL balance reports and other relevant adhoc and standard reports
    Ensure that open items in the branch GL accounts are current and reflect the true nature of the products recorded therein. Any major deviation from the standard must be escalated following the appropriate escalation procedure.
    Ensure prompt and qualitative rendition of relevant returns and reports as may be required by the Zonal Internal Controller/Regional Control Manager which will include among others:   Critical Control Issues Report, Adhoc Unusual Incidence Report, Report on proof review and other assets ageing and   provision in standard approved format etc
    Institute and enforce aggressive Revenue Assurance and Cost reduction Strategies/Tactics for branches/products under your   purview to ensure zero% income leakages.
    Ensure prompt resolution of all open issues in the Internal Audit Report, Management letter, Regulatory Examiners Report and other Statutory Examiners Report involving branches under your purview.
    Ensure capturing of all KYC documentation into all customers’ accounts in the Core Banking Applications through the regular review of Account opening and documentation both on the file and on the system.
    Daily Independent Call Over of all qualifying Transactions within 24 hours of posting and where practicable online same day and as may be advised to you from time to time
    Daily Review of all System Generated Override Message/Exception Reports to ensure that appropriate approvals were obtained for it and that they are valid transactions
    Daily Reconciliation of CBN/Other bank Correspondence accounts (Our Accounts) where Applicable
    Daily Serial review for all Numbered forms (e.g MC, Deal slip, Draft, Form “M”,  Form “A”, to ensure completeness and proper posting/funding of all cheques issued
    Carry out other verifications as outlined in the Independent Verification Proof Chart of Internal Control for your office.
    Log in all exceptions observed unto the Control Exception Manager
    Outward and Inward Clearing review
    Daily review of ATM cash reconciliation or any other related reviews to ensure any irregularities are discovered and escalated promptly. Sign off on any reversals regarding the ATM transactions done manually.
    Review and monitoring of all e-banking related product reconciliation
    Conduct Special Investigation as may be assigned from time to time
    Conduct spot checks, stock taking and other functions as may be assigned from time to time.
    Any other job that may be assigned by the ZICM or RICM
    Key Performance Indicators:

    Fraud and Operational Losses within the prescribed loss tolerance limit
    Quantum of undetected regulatory/statutory infractions from Internal Audit, External Audit, CBN, NDIC, NDLEA, EFCC and other regulatory reports for the cluster.                                                                                   
    Quantum of undetected internal policy and procedure infractions from  Internal Audit, External Audit, CBN, NDIC and other regulatory reports in the cluster.
    Quantum of undetected major exceptions from  Internal Audit, External Audit, CBN, NDIC and other regulatory reports in the cluster.                                                                                                             
    Quality and Timeliness of losses and loss events reporting in branches in the cluster                  
    Magnitude of potential loss figures on branches GL accounts in the cluster.                                                                                     
    Overall Internal Audit rating of Internal Control branches in your zone.                     
    Undetected Income leakage/P&L reversal arising from undetected processing errors in your cluster.               
    Level and timing of usage of Control Exception Manager to records exceptions observed by branch controllers in your cluster
    Integrity of the GL accounts in branches in your cluster.
    Promptness, Accuracy and Validity of Exception Reporting//Rendition of all Control Activity Reports
    Exceptions observed in peer review, control adequacy checks and other internal control   quality assurance checks administered on your cluster
    Gaps between the prescribed TAT and actual service delivery period.
    Level of implementation of Independent verification proof chart as it relates to your functions
    Level of planned training for subordinates achieved
    Proficiency level on the bank general policies and procedures.
    Proficiency level on the bank core banking application Proficiency level on various office automation solution- excel, words, power points etc

    Minimum Education Qualifications:
    A good first degree from a reputable university (Prefarably in Banking and Finance, Accounting, Economics or in other Social Science disciplines)

    Post Graduate Qualifications:
    A relevant post graduate qualification or higher degree (e.g. MBA, MSC) will be an added advantage

    Professional Qualifications:
    Professional qualifications such as ACA, ACCA, ACIB, CFA, CISA is desirable

    Skills And Competencies:
    Attention to Details.                   
    Performance Under Pressure                                                         
    Problem Solving                        
    Independent Minded.
    Interpersonal relationship                                              
    Multi Disciplinary disposition       
    Multi tasking disposition         
    Satisfactory Customer Service Disposition
    Analytical and Investigation Skills  
     Auditing Skills                                                                          
     Accounting Skills                      
     Banking Operations/Credit (Domestic and Foreign) Skills
    Comprehensive Treasury skills                                                                                       
    Fraud and Operational risk knowledge    
    Policy and Regulation interpretation and implementation.     
    Oral and written Communication Skills                                    
    Banking, Insurance, and financial services knowledge.
    Extensive Working Knowledge of Microsoft word, Excel and power point, Intranet Mailing facility and the core banking application of the bank.


    Location: Not Specified
    Experience: 3 year(s)
    Course of Study: Accounting
    Required Grade:  Not Specified



  • TEAM MEMBER-VALUE AUDIT & AUDIT STRATEGY


    Specialization     Accounting / Audit / Tax
    Job Level             Experienced Hire
    Required Experience      3 - 5 years
    Required Banking Experience     1 - 3 years
    Application Deadline      01-Aug-2013
    Job Description

    To carry out value for money audit with a view to ensure economy, efficiency and effectiveness of cost incurred by the bank as well as reviewing bank’s policies and processes to safeguard bank’s position

    Duties And Responsibilities:
    Carry out frequent review of bank’s policies and processes.
    Carry out frequent review of bank’s products’ papers with a view to safeguard bank’s position.
    Carry out frequent review of capital expenses (CAPEX) with a view to ensure VFM.
    Carry out frequent review of control environment in order to improve on weak ones.
    Carry out frequent review of human, physical, promotional and informational assets.
    Carry out frequent review of operating expenses (OPEX) with a view to ensure VFM.
    Carry out review of various regulatory requirements to determine the extent of compliance required from the bank.
    Contribute towards fraud alert for publication
    Contribute towards update /enhancement of various audit programmes.
    Identify areas of cost inefficiency and ineffectivess in the operations of the bank.
    Maintain a well referenced working paper/ file for every review as mentioned above.
    Perform any other duties as assigned by the Group Head
    Prepare at the end of each review, sensitization memo on pervasive issues that negate the Value For Money (VFM) philosophy.
    Prepare reports and other major exceptions for the review and subsequent action of the GH/Chief Inspector.
    Prepare reports on any weakness identify on policies, processes and products’ papers and recommend appropriate improvement strategy.
    Promptly escalate burning cost inefficiency and ineffectiveness issues discovered in the course of the review to the GH/Chief Inspector


    Key Performance Indicators:

    Timeliness
    Presentation
    Quality of the report
    Communication skills
    Sufficiency and availability of audit working papers
    Extent of review of the gl income and expense heads to identify income leakages.extent of suspicious transactions tracking -
    Number of and impact of errors and irregularities reported
    Policy enhancements initiatives
    Fraud detected
    Communication skills
    Extent of review of the gl income and expense heads to identify income leakages, extent of suspicious transactions tracking -
    Fraud detected
    Number of and impact of errors and irregularities reported
    Policy enhancements initiatives
    Presentation
    Quality of the report
    Sufficiency and availability of audit working papers

    Minimum Education Qualifications:

    A good first degree from a reputable university (Prefarably in Banking and Finance, Accounting, Economics or in other Social Science disciplines)
    Post Graduate Qualifications:

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


    Professional Qualifications:

    Professional qualifications such as ACA, ACCA, ACIB, CFA, CISA is desirable


    Skills And Competencies:

    Computer literacy
    Excellent analytical Skills
    Excellent written Communication skills
    Good Interpersonal skills
    Sound experience in the following key areas: Operations, Credit and controls
    Sound knowledge of the bank’s Operations, Credit and control manuals


    Location: Not Specified
    Experience: 3 year(s)
    Course of Study: Accounting
    Required Grade:  Not Specified