Relationship Officer at Brighter Africa

Location:

(Kiambu,Voi, Kericho, Bungoma, Bomet, Kakamega, Busia, Kimilili,Ukunda,Kwale,Luanda,Kibwezi)

Job Purpose Statement

Job Summary: Working closely with the Branch Manager the job holder will ensure implementation of sales & business growth strategies and at the same time ensure the quality of the loan’s portfolio. He/she will identify business growth opportunities, acquire clients in the area of jurisdiction, provide support first through Account opening, manage daily utilization towards future lending, build a sizeable portfolio and ensure excellent client experience.

Key Measurable Goals

• Achievement of a quality portfolio.
• PAR management.
• Client acquisition, increased rate of individual loan uptake, and relationship management.
• Increase revenues through cross-selling of the company products.
• Increase profitability of branches through enhanced relationship building, loan collection follow-ups thus increasing branch revenues in comparison to expenditure and reduced provisioning for a bad book.
•  Meet set targets.

Responsibilities

• Proactively market and generate business through Individual client recruitment and disbursement.
• Undertake regular calls and visits to customers to ensure effective relationship management.
• Maintain up-to-date records of all customer visits for all customers.
• Cross-sell all products and services to both existing and potential clients.
• Business growth initiatives including marketing activities.
• Prepare credit appraisals, analyses and present them to the Branch Credit Committee meetings for further review & recommendations.
• Adhere to current procedures, processes, memos, and circulars as may be issued from time to time.
• Address all customer queries within the stipulated time.
• Monitor the portfolio quality on daily basis and proactively institute remedial actions.
• Maintain sound relationships with all clients.
• Liaison with the branch leadership team, local authority i.e. chiefs, opinion leaders to reinforce loan collection.hr

Qualifications

• Education: Business related degree and/or Diploma
• Knowledge and Skills: Business management skills, Credit management skills
• Experience: At least 1 year as a Relationship Officer
• Personal Attributes: Good communication and interpersonal skills, Team leader/player.