The Relationship Officer Credit – Pamoja Banking sector will report to Branch Business Growth & Development Manager. He /She will manage and coordinate all the group’s activities / operations under him/her to ensure Sector goals (Growth and Quality) and objectives are achieved.
Job Purpose:
Reporting to the Relationship Manager Business, the Relationship Officer- Pamoja Banking has the responsibility to manage and coordinate all the groups under him/her to ensure the bank’s goals and objectives are achieved.
Job Responsibilities:
Stakeholder Engagement and Outreach:
- Hold consultative meetings with stakeholders (e.g., Chiefs, market opinion leaders) to arrange meetings with potential clients (groups).
- Prepare keynote messages for forums to promote the Pamoja banking value proposition.
- Manage inquiries on Pamoja banking at the branch and in the marketplace.
Group Onboarding and Training:
- Identify and select qualifying groups from the market.
- Support groups in registering with relevant government offices and obtaining KYC documents for account opening.
- Set up group structures, maintain records, and train group officials. o Conduct pre-registration and post-registration training for groups.
- Deliver training to group members at their convenience.
Deposit Mobilization and Documentation:
- Enforce weekly savings contributions and ensure proper documentation at the group level (e.g., treasurer’s ledger, group minutes, passbooks).
- Mobilize deposits through weekly savings collections.
Loan Processing and Compliance:
- Conduct business and home visits to verify borrowers' ability to pay, collect financial information, and confirm securities pledged.
- Compile credit proposals for discussion at the Branch Credit Committee (BCC) and present group client requests for approval
- Onboard groups and group members in the IGLS system and generate relevant reports.
- Initiate group loan requests and manage end-of-day postings in the IGLS system.
- Perform data cleanup of exited and dormant customers from the IGLS system.
- Ensure compliance with credit policies and train branch staff on any amendments in the Pamoja banking product offering.
Portfolio and Relationship Management:
- Manage and maintain the quality of the loan book through post-disbursement visits, weekly collection of savings and loan payments, and enforcing co-guarantee mechanisms in groups.
- Establish working group structures and enforce the five pillars of stable groups.
- Ensure timely loan approval and disbursement within SLAs.
Customer Recruitment and Segment Growth:
- Recruit new-to-bank customers and actualize segment partnership objectives to align with sector growth objectives.
Qualifications
Qualifications and Experience:
- University degree in a Business-Related Course, Education, Social Sciences or Diploma in business related course.
- Overall C+ in KCSE and C+ in mathematics
- 2-3 Years’ experience
- Sales experience is an added advantage.
- Experience in micro finance industry is an added advantage.
- Experienced in project management; Monitoring and evaluation is an added advantage.
- Computer literacy with high command in Microsoft suite.
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