Branch Relationship Officers - (Business Bankers/Personal Bankers/Branch Relationship Manager) at Family Bank Ltd

Reporting to:Branch Manager

Job Purpose:

• Responsible for assessing the creditworthiness of loan applicants, analyzing financial data, and making recommendations regarding credit approvals or denials. The role involves thorough risk assessment, adherence to regulatory requirements, and effective communication with internal stakeholders and clients.

Key Responsibilities

• Credit control function at the branch by enforcing adherence to the credit policy and procedures.
• Be the custodian of a comprehensive set of Credit Risk Policies and Procedures at the branch; as well as recommend any necessary changes in the credit policy to senior management.
• Conduct thorough analysis of loan applications, financial statements, credit history, and collateral to determine credit risk and recommend appropriate credit decisions.
• Evaluate credit reports and documentation to ensure compliance with bank policies, regulatory guidelines, and risk management standards.
• Collaborate with Relationship Managers, Underwriters, and other internal stakeholders to gather necessary information and facilitate the credit approval process.
• Monitor and review existing credit facilities to assess ongoing credit risk and compliance with loan covenants.
• Meet Business Banking sales targets both in number of accounts and volume and deposits through cross selling to existing customers and acquiring new customers.
• Generate new customers/ new company’s referrals from head office, existing customers, or personal connections.
• Prepare target audience/lead lists and sales activities plans, implementing and accurately reporting sales activities.
• Conducts daily sales calls from prioritized lead lists with the objective of scheduling companies’ visits / customer’s meetings.
• Conducts daily company visits/ customer meetings with the objective of acquiring new customers /selling bank products.
• Receive, verify, and certify against original; all account application documents and forms from customer.
• Ensure compliance with the Data Protection laws, policies and procedures of the Bank.
• Verify the accuracy and completeness of documents against product-specific checklists and KYC/AML compliance requirements, mitigating risks associated with account openings.
• Follow up on account and product openings, processing them accurately on the system and communicating effectively with customers on accounts declined.

KEY PERFORMANCE INDICATORS:

• Goal focused and able to spot business opportunities.
• Builds networks and maintains strong relationships.
• Able to manage and influence others to achieve results.
• Has passion and drive to achieve results under difficult circumstances.
• Pleasant and able to relate well in diverse social set ups and teams.
• Upholds high standard of Professionalism, integrity, and respect for others.

Qualifications:

• Bachelors degree in commerce/business related field.
• At least five (5) years’ experience in credit with relevant experience in credit analysis and/or Credit relationship management and two years’ experience in previous grade with proven result track record.
• Have a minimum of 6 years working in the Banking Industry; with relevant experience in product knowledge, analytics, and risk management, those with experience in Personal Banking will have an added advantage.

Competencies and Personal Attributes

• Must have demonstrated growth in the quality loan book.
• Good understanding of balance sheet analysis, credit risk, financial exposure and setting credit limits.
• Thorough knowledge of credit-related laws and Prudential Guidelines.
• Practical experiences in use of MS Office especially excel applications and credit analysis tools.
• Sound knowledge of the Banking Act and the regulatory framework in the Financial Services Industry.
• Ability to apply financial knowledge and skills to achieve business goals.
• Ability to identify and minimize potential and inherent risks in banking.
• Communicates effectively and can explain complex Business issues.
• Proficiency in computer use including MS Office tools and banking systems.