Relationship officer

Greater Accra Region Full Time Banking & Finance
Confidential
2 weeks ago

Job Summary

Performing the duties of a Relationship Officer

  • Minimum Qualification: Degree
  • Experience Level: Mid level
  • Experience Length: 2 years

Job Description

A Reputable Firm seeks the services of a Relationship Officer


Job Title: Relationship Officer


Job Location: Accra, Greater Accra


Job Summary

  • To assist in planning, managing and direct business focus in the Retail sector through creating and maintaining a good clientele base and contributing towards achievement of goals set for growth of the organization and revenue generation and to increase the company’s market share in the industry


Job Description

  • Marketing and prospecting for clients
  • Appraise customers’ credit applications in assigned portfolio and make the appropriate recommendations to members of the Credit Committee
  • Conduct due diligence on credit applications and clients together with the Relationship manager
  • Assist relationship manager to build and expand the portfolio of existing clients through effective relationship management techniques
  • Assist in recovering debts that are overdue in the portfolio and ensuring that loans granted are repaid on time
  • Assist in preparation of monthly and quarterly reports to Head of department and members of the Credit Committee
  • Ensure all pre-disbursement and post disbursement conditions of facilities are adhered to
  • Ensure credit files in portfolio are kept up to date
  • Ensure all security documents are well executed and placed in safe custody

Organizational Responsibilities

  • Mentoring less experienced employees
  • Monitor and evaluate internal processes and suggest ways of improvement
  • Continually seek opportunities to increase customer satisfaction and deepen client relationships
  • Lead internal teams/task forces


Qualification and Requirements

  • First Degree in Business Studies, Social Science or related field
  • Minimum of 2 years working experience in a financial institution (preferably a bank) with the Credit Department
  • Proven Credit risk assessment
  • Proven recovery skills
  • Strong analytical and problem solving skills
  • Good interpersonal and communication skills
  • Must be proactive and a self-starter
  • Meticulous and thorough


Other Key Relationships

Internal

  • Managing Director
  • Head, Treasury
  • Head, Legal
  • Head, Finance
  • Officer, Settlements
  • Other members of Credit Department


External

  • Direct Sales Team
  • Customers
  • Third Party Referrals

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