Relationship Officer at Stellar Human Resource Solutions

Responsibilities

• Prospecting and drawing leads for new business from potential clientele, and meeting the disbursement, collection and new business targets as set from time to time.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
• Prepare and review loan agreements to ensure that they are complete and accurate according to policy.
• Negotiate payment arrangements with customers who have delinquent loans and ensure the loan collection and recovery process is effected and maintain a repayment rate of at least 95%. 
• Presenting of complete loan application documentation to the Credit committee for approval or recommendation within the agreed timelines of the customer service charter. 
• Ensure all customer records are up to date at all times. These include, but not limited to: Customer loan statement and repayments, client’s documentation in the file.
• Identify business ideas by researching industry and related events, publications, and announcements.

Qualifications

• Bachelor's degree in Business Administration or a related field.
• Previous experience in a customer-facing role, preferably in the financial services industry.
• Strong communication and interpersonal skills, with the ability to engage effectively with clients from diverse backgrounds.
• Knowledge of microfinance products, services, and operational processes is preferred.
• Excellent sales and negotiation skills, with a proven track record of meeting or exceeding targets.
• Ability to work independently and as part of a team in a fast-paced and dynamic environment.
• Proficiency in computer applications, including MS Office Suite and banking software.