Relationship Officer at Letshego Kenya Limited

REF #RO#202106

Job Functions    

Business Development
Specification    

• Train and provide follow-up assistance to clients on business plans, business visits, loan application forms and other necessary credit delivery documents.
• Facilitate formation of viable and cohesive solidarity groups and business clubs – The groups are formed with business persons only. All members by word and deed must co-guarantee each other.
• Makes appraisal visits to group members in their business and residential. No loan is disbursed without business visit.
• Answers client questions and helps them complete loan applications and business plans and ensures all necessary loan processing documents are verified and attached such as passport photographs/group photographs, ID cards etc.
• Processes loan applications by verifying necessary information and makes recommendation of only the best groups and clients to the loan approval committee.
• Informs loan applicants of the decisions of the loan committee.
• Ensures all loan documentation for approved loans including repayment schedule, loan agreement and promissory notes are made and delivered to clients.
• Ensures repayments are made before 12:00pm of the repayment as per the loan schedule and groups that have not made the payment have been followed up and report tabled and discussed with the manager – same day.
• Regularly tracks upcoming payments and reminds the clients on the repayment.
• Ensures groups pay as a solidarity structure and not as individuals.
• Periodically visits businesses to assist clients with technical advice, answer questions and verify the economic standing of the enterprise. You should know all the businesses of your clients.
• Closely monitors loans in arrears and, through group guarantee and peer pressure on solidarity group, solve loan repayment related problems.
• Undertakes clients’ orientation sessions and workshops as necessary.
• Through field contact undertake program marketing and encourage new potential clients to seek LETSHEGO KENYA financial services.
• Ensure that all policies and procedures governing LETSHEGO KENYA financial services are adhered to.
• Ensure correct documentation and filing of the appropriate loans processing documentation, ensure all files have requisite signatures, all group/internal communications are filed and files are in a safely lockable cabinet.
• Ensure that reports are made on time and targets set are met.
• Perform any other related duty as may be assigned by the Supervisor and or his assignee.

Requirements    

• Bachelor’s degree in Marketing, Business Administration/ Economics or a business related field
• At least 2 years’ experience in a customer facing/ sales role
• Strong understanding of customer insights and analytics
• Understanding product and customer lifecycle and management
• Integrity and ethical standards
• Excellent communication skills
• Organisational and planning skills
• Analytical skills, good judgment and decision-making ability to interpret businesses’ sales performance and market information.
• Ability to identify risks and work on mitigating the risks. Multidisciplinary disposition.