Business Development Officer

Key Responsibilities

• Market and promote the institution’s financial products and services within the assigned market area.
• Recruit and onboard new individual customers, groups, churches, SMEs, and business clients.
• Mobilize deposits and support growth of the branch liability portfolio.
• Conduct customer training on financial literacy, business skills, loan management, and organizational products.
• Process loan applications, conduct credit appraisals, and support timely loan disbursements.
• Assess customer businesses and determine loan eligibility and repayment capability.
• Monitor loan utilization and ensure compliance with approved lending terms and conditions.
• Ensure timely loan repayment and follow up on arrears and delinquent accounts.
• Maintain a healthy quality loan portfolio and support reduction of nonperforming loans.
• Receive and account for customer collections and ensure timely banking of funds.Maintain proper customer records including savings, loan balances, and repayment schedules.
• Prepare daily, weekly, monthly, and quarterly business performance reports.
• Support branch customer relationship management and maintain excellent customer service standards.
• Build and maintain strong relationships with customers, churches, business groups, and community stakeholders.
• Support implementation of branch business development and customer retention initiatives.
• Participate in branch meetings, marketing activations, and community engagement forums.
• Identify and report suspicious transactions in line with AML, KYC, and compliance requirements.
• Ensure adherence to operational procedures, internal controls, and regulatory guidelines.
• Promote positive public relations and uphold the organization’s professional image within the market.
• Perform any other duties assigned by management from time to time.

Qualifications & Requirements

• Bachelor’s Degree or Diploma in Commerce, Business Administration, Economics, Banking, Finance, Marketing, or a related field.
• Formal training or certification in Lending, Relationship Management, or Sales will be an added advantage.
• Minimum of 2 years’ relevant experience in business development, lending, relationship management, or financial services sales.
• Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
• Experience in the same business is preferred.
• Strong understanding of the credit cycle, loan appraisal, and portfolio management.
• Proven sales, negotiation, and customer relationship management capabilities.
• Strong analytical, communication, and problemsolving skills.
• Ability to mobilize customers and achieve business growth targets.
• Proficiency in Microsoft Office applications and core banking systems will be an added advantage.

Key Competencies

• Business development and sales
• Customer relationship management
• Loan appraisal and portfolio management
• Deposits mobilization
• Credit analysis and collections followup
• Communication and negotiation skills
• Financial analysis and reporting
• Customer service excellence
• Compliance and operational controls
• Teamwork and stakeholder engagement

End Date:12th June 2026