Graduate Trainee Program (Direct Sales, Consumer Lending & POS Sales)

Applications are invited from from suitable candidates for:

Title: Graduate Trainee Program (Direct Sales, Consumer Lending & POS Sales)

Locations: Abia, Abuja (FCT) , Adamawa, Akwa Ibom , Anambra, Bayelsa, Benue, Cross River , Delta, Ebonyi, Edo, Ekiti, Enugu, Imo, Kaduna, Kano, Katsina, Kebbi, Kogi, Kwara , Lagos, Niger, Ogun, Ondo, Osun, Oyo, Plateau, Rivers, Taraba,
Employment Type: Full-time

Job Summary

• The Graduate Trainee Program is designed for ambitious and results-driven graduates seeking to build a career in banking sales.
• The program provides structured training, mentorship, and hands-on experience across Direct Sales, Consumer Lending, and Point of Sale (POS)/Agency Banking.
• Successful candidates will develop the skills required to acquire customers, drive sales, promote financial products, and deliver exceptional customer service while contributing to the bank's business growth.

Key Responsibilities
Direct Sales:

• Identify and acquire new retail and corporate customers.
• Generate leads through field marketing, referrals, and business networking.
• Promote and sell the bank's products and services.
• Build and maintain strong customer relationships to encourage repeat business.
• Achieve assigned sales and customer acquisition targets.
• Open new customer accounts in line with regulatory requirements.

Consumer Lending:

• Maintain relationships with borrowers and support repayment performance.
• Assist customers in completing loan applications and gathering required documentation.
• Conduct preliminary assessments of customer eligibility before submission.
• Identify eligible customers and educate them on available loan offerings.
• Follow up on loan applications through approval and disbursement.
• Market personal loans, salary advances, asset financing, and other consumer credit products.

POS Sales / Agency Banking:

• Resolve first-level merchant complaints and escalate technical issues when necessary.
• Monitor terminal performance and transaction activity.
• Promote agency banking solutions and digital payment services.
• Train merchants on proper POS terminal usage and basic troubleshooting.
• Prospect and onboard merchants for POS terminal deployment.
• Drive merchant activation and transaction growth.

General Responsibilities:

• Maintain accurate sales records and prepare periodic activity reports.
• Develop a strong understanding of banking products, policies, and regulatory requirements.
• Participate in classroom training, coaching sessions, and field assignments.
• Deliver excellent customer service while representing the bank professionally.
• Ensure full compliance with KYC, AML, and internal operational policies.
• Continuously improve product knowledge and sales skills.
• Collaborate with team members to achieve branch and organizational objectives.

Qualifications

• NYSC discharge or exemption certificate.
• Bachelor's degreeor HNDin any discipline.
• Recent graduate with little or no prior work experience (0–2 years).
• Professional certifications are an added advantage.

Skills and Competencies:

• Good analytical and problem-solving skills.
• Sales-driven with a passion for business development.
• Excellent presentation and negotiation abilities.
• Ability to work independently and as part of a team.
• Proficiency in Microsoft Office Suite.
• Customer-focused and relationship-oriented.
• Strong communication and interpersonal skills.