Relationship Officer at Personal Trust Microfinance Bank

Job summary

• 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 customer service experience.
• Achieve a healthy portfolio and deposit mix.
• Executes marketing strategy 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 r+eferral networks.
• Perform any other duties as may be assigned by Management.

Qualifications

• HND / B.Sc in Social Science or any other related course.
• Evidence of completion / exemption of / from NYSC.

Experience:

• 3 - 10 years of work experience.
• 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 MS Office suite.