Job Description
A Relationship Officer is responsible for prospecting, marketing, business development, and income generation in line with the key performance indicators.
The Relationship Officer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.
Duties and Responsibilities
Achieve growth within the key performance indicators: liability and risk asset generation, account opening, income generation, and e-banking product offerings.
Evaluate the creditworthiness of customers by processing loan applications and documentation.
Monitors active loans and enforces collection and recoveries.
Ensures the achievement of all budget parameters.
Develop referral networks and cross-sell products and services.
Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
Actively seek out new sales opportunities through cold calling, networking, and referrals.
Expedites the resolution of complaints to maximize satisfaction and boost the customer service experience.
Achieve a healthy portfolio and deposit mix.
Executes marketing strategies and develops marketing campaigns.
Ensures compliance with all internal policies and regulatory guidelines.
Monitors competition by gathering current marketplace information on pricing, products, etc.
Recommends changes in products, services, and policies by evaluating results and competitive developments.
Identify potential loan markets and develop referral networks.
Perform any other duties as may be assigned by Management.
Qualifications and Experience
Candidates should possess a B.Sc / HND qualification in Social Science or any other related course.
3 – 10 years of work experience
Evidence of completion / exemption from NYSC.
Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.
Skills:
Demonstrated ability to communicate, present, and influence credibly and effectively at all societal levels.
Proven ability to drive the sales process.
Strong business sense and industry expertise.
Basic understanding of sales principles and customer service practices.
Friendly, helpful, confident, and engaging personality.
Excellent communication and interpersonal skills.
Ability to work in a goal-oriented environment.
Ability to work in a team
Strong planning, organizational, and time management abilities
Proficient in the use of the MS Office suite.
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