Careers at Umba

The Relationship Officer is responsible for identifying potential clients, promoting credit products, and managing customer relationships to drive loan disbursement and ensure timely repayments. This role involves sales, client acquisition, relationship management, risk assessment, and portfolio management while maintaining compliance with company policies and regulatory requirements.
Responsibilities
Sales & Business Development:

• Identify and acquire new clients through direct sales, referrals, and field visits.
• Relationship Management for Proper KYC and KYB
• Promote the company’s credit products and services, explaining features and benefits to potential customers.
• Build and maintain strong relationships with existing clients to encourage repeat business and referrals.

Credit Assessment & Loan Processing:

• Assist clients in completing loan applications and gather necessary documentation.
• Conduct preliminary credit assessments to evaluate a client’s ability to repay the loan.
• Submit loan applications for approval and follow up on the disbursement process.

Client Management & Collections:

• Monitor clients’ repayment behavior and ensure timely loan repayments.
• Proactively engage customers who may face repayment challenges and provide solutions.
• Work with the collections team to manage delinquent accounts and recover outstanding loans.

 Compliance & Reporting:

• Ensure all transactions adhere to company policies, procedures, and regulatory guidelines.
• Maintain accurate records of client interactions, loan applications, and sales performance.
• Provide daily, weekly, and monthly reports on sales performance, client portfolio, and collections.

Dealer Financing:

• Identify, onboard, and manage a network of dealers to support asset-based financing
• Collaborate with the credit team to assess and approve dealer-linked financing requests, ensuring due diligence and adherence to lending policies.
• Track and report on key dealer financing KPIs including volumes, conversion rates, and repayment performance.
• Monitor the performance of dealer referrals and maintain a healthy pipeline of prospective borrowers through dealer networks.

Key Qualifications & Skills:

• Education: Diploma or Bachelor's degree in Finance, Business, Marketing, or a related field.
• Experience: At least 1–3 years of experience in credit sales, banking, microfinance, or a related industry.
• Strong sales and negotiation skills, with a proven ability to meet targets.
• Knowledge of credit risk assessment and loan processing.
• Excellent customer service and relationship management skills.
• Ability to work independently and as part of a team.
• Proficiency in MS Office (Excel, Word, PowerPoint) and CRM systems.

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The role is responsible for supporting the Finance Department in maintaining accurate financial records through timely and accurate reconciliation of bank and account statements. The position plays a key role in ensuring data integrity, assisting in audit preparations, managing financial documentation, and supporting the timely posting of payments and statutory filings. The incumbent will also contribute to process improvements and provide general administrative support to ensure smooth financial operations.
Key Responsibilities
Bank Reconciliation

• Assist in reconciling bank statements with company financial records.
• Identify and resolve discrepancies between bank records and the general ledger.

Account Reconciliation

• Perform monthly reconciliations of various balance sheet accounts.
• Investigate and promptly resolve all reconciling items.
• Preparation of CBK reports for review by senior officer

Documentation and Reporting

• Prepare daily liquidity monitoring reports.
• Maintain accurate and organized reconciliation documentation.
• Prepare reconciliation reports and summaries for senior finance staff review.

Support Financial Audits

• Assist in preparing documentation required for internal and external audits.
• Provide necessary support during audits by ensuring all requested information is readily available.

Data Entry and Maintenance

• Ensure accurate and timely posting of all payments in the Management Information System (MIS).
• Facilitate prompt loan disbursement in both MIS and bank systems.
• Maintain and update the fixed assets register.

Statutory Filing and Payments

• Ensure timely filing and remittance of all statutory deductions in line with regulatory deadlines.

Process Improvement

• Identify areas for improving reconciliation processes and increasing efficiency.
• Support the implementation of new reconciliation tools or software solutions.