Relationship Manager at Prosperis Holdings Company Limited

Job Summary

• The Relationship Manager is responsible for driving revenue growth through proactive client acquisition, effective relationship management, and successful origination and disbursement of loan products.
• The role focuses on identifying creditworthy clients, structuring appropriate lending solutions, managing end-to-end loan sales, and maintaining long-term relationships that support portfolio growth and asset quality.
• The Relationship Manager serves as the primary point of contact for clients and works closely with relevant teams to ensure timely loan processing, disbursement, and post-disbursement monitoring.

Key Responsibilities
Relationship Management:

• Develop, manage, and retain strong relationships with new and existing clients, including individuals, SMEs, and High Net Worth Individuals (HNIs).
• Maintain regular engagement with clients to understand evolving financial needs and proactively offer suitable lending solutions.
• Handle client inquiries, complaints, and service issues promptly, escalating when necessary to ensure timely resolution.
• Monitor client satisfaction levels and implement strategies to improve customer retention and repeat business.

Loan Sales and Business Development:

• Identify, prospect, and onboard new clients through direct marketing, referrals, networking, and strategic partnerships.
• Promote and sell the Company’s loan products, including consumer loans, asset financing, SME loans, and other approved credit offerings.
• Prepare and present loan proposals, term sheets, and product recommendations tailored to clients’ financial needs and risk profiles.
• Achieve assigned loan booking, disbursement, and revenue targets in line with the Company’s growth objectives.
• Collaborate with the Marketing teams to support campaigns and initiatives aimed at expanding the loan portfolio.

Credit Assessment and Loan Processing

• Engage prospective borrowers to obtain complete and accurate information required for loan applications.
• Conduct preliminary assessment of clients’ financial statements, cash flows, credit history, and collateral to determine loan feasibility.
• Liaise with Credit and Risk teams to ensure proper documentation, credit appraisal, and compliance with internal policies and regulatory requirements.
• Ensure timely submission of loan applications and follow up to drive prompt approval and disbursement.
• Support loan structuring discussions to balance client needs with the Company’s risk appetite.

Loan Disbursement and Portfolio Management:

• Coordinate with Operations to ensure accurate and timely loan disbursement in line with approved terms and conditions.
• Confirm fulfillment of all pre-disbursement conditions and documentation requirements.
• Monitor disbursed loans to ensure proper utilization and compliance with agreed repayment terms.
• Proactively follow up with clients on repayments and support early resolution of potential delinquencies.
• Assist in managing loan renewals, top-ups, and restructurings where applicable to grow portfolio value and minimize credit risk.

Requirements 

• BSc or HND in Business Administration, Marketing, Finance, Economics, or a related discipline.
• Minimum of 2 years relevant experience in relationship management, loan sales, or credit-related roles within the Financial Services or Lending sector.
• Proficiency in Microsoft Office tools (Word, Excel, PowerPoint).
• Strong understanding of lending products, credit processes, and financial analysis.

Skills:

• Strong relationship management, communication, and negotiation skills.
• Proven sales ability with a strong drive to meet and exceed loan targets.
• Sound business and financial acumen with attention to detail.
• Ability to assess risk and make informed credit recommendations.
• Persuasive, client-focused, and results-oriented mindset.
• Ability to work effectively in a fast-paced, target-driven environment.
• Strong problem-solving skills and ability to address issues proactively.
• Capacity to engage, manage, and retain High Net Worth Individuals and key accounts.