KeyStone Bank requires the services of a relationship
officer.
Job Description
To build and cultivate relationships with potential/existing
customers and translate those relationships into profitable business for the
Bank
Relationship Officer
Duties And Responsibilities
Act on behalf of and perform other tasks as assigned by the
Branch Manager
Analyze and screen applications for credit based on the
Bank’s credit risk procedures
Assist customers in the account opening process
Contribute to the formulation and implementation of
strategies necessary to acquire and sustain accounts in the commercial sector
of the market
Ensure timely resolution of customer complaints and issues
Identify customer needs/buyer values and proactively seek to
provide products/ services to meet the identified needs
Initiate and carry out recovery action on non-performing
credit facilities on assigned accounts
Maintain a comprehensive database of existing
relationships/prospects
Manage assigned credit portfolio and monitor the quality of
existing credit relationships on a continuous basis
Participate in regional and other team meetings
Prepare monthly activity and performance reports for
Regional Manager’s attention
Regularly contact customers via telephone calls and physical
marketing visits to obtain feedback on service quality and customer
satisfaction levels
Review applications for credit facility (in line with the
Bank’s policy) and make appropriate recommendations/decisions
Key Performance Indicators:
% of loan recovery
% of retained customers
CASA, Tenored, PBT achievement against Target
Customer satisfaction index
Dormant/Inactive account ratio
Loan loss Provision/Total Loans and Advances
Number of Performing/Non-performing Loans and Advances
Quality of credit portfolio maintained
Quality of customer base
Revenue/customer growth rate
Minimum Education Qualifications:
First Degree from a reputable University
Post Graduate Qualifications:
A relevant post graduate qualification or higher degree
(e.g. MBA) would be an added advantage
Professional Qualifications:
Membership of a relevant professional management body would
be an added advantage
Skills And Competencies:
Knowledge of basic products and services in the Financial
Services Industry
Possession of basic listening skills to understand customer
requests
Ability to provide prompt, accurate and complete resolution
to general
Requests and directs technical queries to the most
appropriate solution provider
Excellent communication and interpersonal skills
Interpersonal and communication Skills
Computer Appreciation
Customer service orientation
Negotiation Skills
Location: Not Specified
Experience: 3 year(s)
Course of Study: Not Specified
Required Grade: Not
Specified
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