Relationship Officer -Biashara Banking

Job Detail

Job Purpose:

Reporting to the Relationship Manager Business, the Relationship Officer – Biashara Banking has the responsibility to manage and coordinate all the Micro businesses under him/her to ensure the bank goals and objectives are achieved.

Key Responsibilities:

Onboarding and Customer Management:

Onboard retailers and customers across various Ecosystem value chains and digital platforms (PWE, EAZZY APP, etc.).
Identify prospective leads and recruit new customers.
Conduct outreach and manage relationships for customer retention.
Utilize existing partnerships to expand the customer base.

Loan Processing and Compliance:

Guide customers through the loan application process, including business and home visits to verify financial information and securities.
Ensure timely loan approval and disbursement within SLAs.
Present client requests for approval and manage security perfection and disbursement.
Initiate recovery processes for overdue accounts.

Marketing and Sales:

Training and Policy Adherence:

Train branch staff on Biashara Banking lending policies, procedures, and new products.
Ensure compliance with credit policies and act as the custodian of bank policy in the branch.

Customer Service and Support:

Provide high-standard customer service, fast-track loan processes, and give prompt feedback on loan requests.
Liaise with internal and external stakeholders in the branch environment.
Mobilize clients for financial literacy training and guide them on maintaining proper records.

Portfolio and Relationship Management:

Maintain an up-to-date portfolio management toolkit for efficient customer follow-up.
Conduct post-disbursement visits and baseline all customers.

Deposit Mobilization and Documentation:

Qualifications

University degree holder with a preference in Education, Social sciences, or Business-related field.
Overall mean grade of C+ in KCSE
3-4 Years’ experience (selling experience) in the financial services sector
Experience in the microfinance industry is an added advantage.
Experienced in project management; Monitoring and evaluation is an added advantage.
Exhibits an exceptional degree of ingenuity, creativity, and resourcefulness.
Excellent business relationship management skills and business closure techniques.
Ability to develop, plan, execute, and implement according to laid business strategies.
Excellent interpersonal skills and demonstrated conflict resolution skills.
Strong training /coaching skills.
Strong communication, presentation, and negotiation skills.
Strong analytical and problem-solving skills.