Job Purpose:

To oversee the credit loan book portfolio of the branch and to provide branch-based financial products & services, follow up on pipeline of leads and to grow branch customer base through proactive sales activities.

Key Responsibilities

In a branch without a Branch Relationship Manager, oversee the credit control function at the branch by enforcing adherence to the credit policy and procedures.

In charge of the branch loan book in absence of the Branch Relationship Manager.

Provides leadership to the Relationship officers at the branch level.

Be the custodian of a comprehensive set of Credit Risk Policies and Procedures at the branch; as well as recommend any necessary changes in the credit policy to senior management.

Meet Business Banking sales targets both in number of accounts and volume and deposits through cross selling to existing customers and acquiring new customers.

Generate new customers/ new company’s referrals from head office, existing customers, or personal connections.

Prepare target audience/lead lists and sales activities plans; implement and fill in accurately sales activities reports.

Conducts daily sales calls from prioritized lead lists with the objective of scheduling companies visits / customer’s meetings.

Conducts daily company visits/ customer meetings with the objective of acquiring new customers / selling bank products.

Receive, verify, and certify against original; all account application documents and forms from customer.

Ensure compliance with the Data Protection laws, policies and procedures of the Bank.

Check and verify the accuracy, completeness of the documents against the checklist provide according to product lines; KYC/AML compliance requirements.

Follow up on accounts and products opening and process on system.

Communicate to customers on accounts declined.

Handling and monitoring customer enquiries and complaints effectively to ensure retention and loyalty.

Qualifications:

Bachelor’s degree in commerce/business related field.

At least three (3) years’ experience in credit with relevant experience in credit analysis and/or Credit relationship management with proven result track record.

Have a minimum of 5 years working in the Banking Industry; with relevant experience in product knowledge, analytics and risk management.

Sound knowledge of the Banking Act and the regulatory framework in the Financial Services Industry

Able to apply financial knowledge and skills to achieve business goals.

Able to identify and minimize potential and inherent risks in banking.

Communicates effectively and can explain complex Business issues.

Proficient in the use of Banking and office management systems.

Competencies:

Goal focused and able to spot business opportunities.

Builds networks and maintains strong relationships.

Able to manage and influence others to achieve results.

Has passion and drive to achieve results under difficult circumstances.

Pleasant and able to relate well in diverse social set ups and teams.

Upholds high standard of Professionalism, integrity and respect for others.