Relationship Officer, Retail Banking at Credit Bank

To grow the Branch business in terms of the loan book, liabilities, customer base and income from the bank’s target markets. Provide effective account relationship management resulting in optimization of customer satisfaction, retention and wallet share through selling multiple solutions from the entire bank’s product range.

Duties and Responsibilities

• Manage and grow branch customer relationships and account portfolios, focusing on customer retention, business growth, and overall account performance.
• To achieve Banking targets for new customer acquisition, customer relationship growth and market share.
• Develop a customer database for prospective customers.
• To identify selling opportunities in the marketplace.
• Work with branch network to ensure distribution of Banks asset &liability base by product.
• Active management of expensive deposits.
• Execution of business plan and strategies for Business Development Department
• Management of costs associated with the sales strategy and relationship growth.
• Work with Shared Distribution external service providers to ensure that customers are provided with a one-stop convenient, efficient, and reliable total banking and financial service.
• Work with Credit Department to effectively deliver a cost-efficient, timely and competitive approval & processing capability.
• Recommend changes required to meet target customers' expectations whilst fully in compliance with Bank policies.
• To enhance team development through interaction with other business segments and cross training on Banking products and initiatives.
• Conduct initial credit analysis and support credit recovery activities, including loan appraisal, monitoring, and follow-up on delinquent accounts.
• Ensure that Anti Money Laundering and KYC requirements are adhered to.

Job Specification

• Must have a bachelor’s degree from a recognized university.
• 5 years’ experience in Banking operations with demonstrated interest in relationship management/business development.
• Must be self-driven with strong interpersonal skills.
• Must be results oriented and can work with minimal supervision.
• Must be very innovative and possess good marketing skills.