Relationship Officers at Caritas MFB

JOB PURPOSE
 
Provide financial and business solutions to micro customers including credit solutions, liability products and customer service.

KEY RESPONSIBILITIES

• Driving customer recruitment for micro business customers.
• Leading in developing suitable products and services for micro in liaison with the branches, HOD Retail Banking and the Product Development team
• Delivery of exceptional performance through the micro business team.
• Proactive leading and directing the relationship teams accountable for the portfolio of micro business customers.
• Taking initiative in terms of business development activities and ensuring that quality business is retained, and high service standards are delivered by the team.
• Demonstrating an intimate knowledge of the market and the competitor to inform market penetration, growth, and retention.
• Making quick business decisions that balance risk, profitability and most importantly responsiveness to customer needs.
• Reviewing performance of assigned Relationship Officers and/or Branch Managers against micro business budgets for all assigned KPI targets.
• Continually monitoring and following up with respective micro business Relationship Officers and/or Branch Managers to ensure that the set Micro business targets are being achieved, and gaps adequately addressed.
• Conducting regular customer visits to enhance relationship development and customer maintenance, as well as growth of the business wallet.
• Monitoring and following up with micro business Relationship Managers/Officers and/or Branch Managers to ensure balanced growth of the micro business portfolio.
• Monitoring quality of the loan book advances by reviewing arrears, account excesses and irregular accounts, among others.
• Monitoring performance against set targets.
• Conducting customer engagement initiatives like financial literacy, coaching and mentorship

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• Holder of bachelor’s degree in a business-related field.
• Thorough knowledge of MSME banking product and policies.
• Minimum 3 year working experience in the same position
• Professional banking qualifications will be added advantage
• Knowledge of lending products and prudential guidelines.
• Ability to lead teams and deliver business results.
• Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills.

go to method of application »

JOB PURPOSE

The purpose of the role is to grow the consumer loan and liability book through retail customers, corporate schemes/partners, Government institutions, Developers, and other relevant partnerships.

KEY RESPONSIBILITIES

• Drive sales budgets/targets through the branch sales team to ensure they are achieved.
• Establish and maintain a strong customer focus approach both with internal and external customers.
• Facilitate and develop sound relationships with the Employers, Government institutions, Insurance companies and other strategic partners.
• Enter key partnerships with key stakeholders in the consumer lending segment.
• Ensure participation in relevant forums with key partners/customers
• Facilitate and develop sound relationships with the internal channels such as Branch network, Marketing units and other Head Office departments.
• Proactively engage customers to establish service levels and initiate constant improvement.
• Provide regular and honest feedback to agents and clients.
• Ensure that sub-ordinates maintain a good rapport with all customers in a professional manner.
• Keep customers constantly informed on the progress of their applications and drive this culture throughout the team
• Adherence to the consumer lending product profile, Credit Policies, Legislation (KYC) & (AML).
• Identify and address any fraud related activities and ensure risk exposure is minimized.
• Conduct a needs analysis to identify customer needs effectively when opening new accounts or giving product advice.
• Complete disclosure to the customers in terms of accreditation, repayments, service fees, and commissions.
• Research of industries in which existing and potential clients operate, to identify and understand the contextual threats to those clients.
• Maintain a high quality-lending book, through prudent and effective management thereof.
• Proactively assess the review process of existing facilities, ensure a consistent thorough and timely evaluation of all existing facilities.
• Ensure that allocated work is processed within the set TAT, therefore meeting monthly targets.
• Provide weekly/monthly management information reports to all relevant stakeholders.
• To perform any other duty as assigned in line with the Organizational goals and objectives.

QUALIFICATION AND EXPERIENCE REQUIREMENTS

• Holder of bachelor’s degree in a business-related field.
• Thorough knowledge of MSME banking product and policies.
• Minimum 3 year working experience in the same position
• AKIB banking certificates will be an added advantage
• 3 years’ experience in banking 2 of which should be in Business development (Personal Banking/Consumer lending) and customer relationship management.
• Knowledge of lending products and prudential guidelines.
• Ability to lead teams and deliver business results.
• Must be self-driven; possess excellent administrative, communication and interpersonal skills, strong organization, and negotiation skills.