To build and deepen relationships with existing and potential clients by selling product/services of the company, particularly loans, to retail and MSME customers.
Duties and Responsibilities
- Grow the existing risk asset portfolio in line with the company’s strategy
- Identify, develop and cultivate relationships with customers within the retail and MSME segment that are in need of loans and advances to support their business
- Manage existing clients’ portfolio as well as develop new business opportunities by generating risk assets within the MSME and retail market
- Leverage the company’s existing relationship by developing and executing proactive, creative and on-going contact initiatives
- Prepare sales pitches, presentations and other documents required for client’s engagements
- Assist in the development, launching and sales of new product offering
- Act as liaison between the company and existing/prospective clients
- Responsible for ensuring the coordination, execution and monitoring of an extension of credit through the approval to maturity including the following
- Serving as the primary interface with the client
- Ensuring a complete, accurate and balanced assessment of risk in the credit approval presentation
- Coordinating the approval process managing information flow and ensuring that the credit follows the stated approval process for the facility limit
- Ensuring that clear communication between the company and the client is maintained and that the internal approvals are consistent with client expectations
- Ensuring compliance with related policies, especially the credit policy
- Ensuring that the approval documentation is complete
- Ensuring that the legal documentation is complete, consistent with the internal approvals and properly executed and filed.
- Ensuring quality and timely service delivery, within (or exceeding) customer expectations.
- Monitor industry trends and obtain necessary intelligence to be used as input for new product development
- Proactively manage client’s relationships and monitor the delivery of product/ service proposition to clients
- Drive engagements and close sales of loan products with retail and MSME customers.
- Monitoring and Recovering of PDO’s /Expired loans.
- Ensure that collateral- properties, equipment and inventories hold by the organization are properly insured.
- Prompt identification of unauthorized balances and follow up with customer on early warning and remedial action on newly created PDOs.
- Maintaining accurate, up-to-date customer account information.
- Negotiations/meetings with customers who want loan work out options such as refinancing, rescheduling and restructuring.
- Prepare call memos and progress reports on negotiations with debtors in respect of repayment of indebtedness.
- Follow up on release of security documents for loans which have been fully repaid
- Give priority attention to regularize outstanding legal and documentation issues on assigned portfolio.
- Staff training internally and externally as may be required
- Carry out such other duties that may be delegated to it by Head Of Unit
- Bachelor’s degree with 5 – 10 years work experience.
Method of Application
Interested and qualified candidates should send their CV and Cover letters to: [email protected] using the “Job Title” as the subject of the email.