Job Purpose: 

Reporting to the Branch Credit Manager, Relationship Officer shall be based at the Branch. He/she will be responsible for overseeing the growth of a High-Quality Asset Portfolio within the Sector. He is responsible of customer acquisition, facilitation of loan application and appraisal, presentation of the loan requests to the Branch Credit Committee and forwarding the loan request to Head office Credit Risk for approval.

•  The holder of the role will on a weekly basis hold discussions with the Branch Credit Manager/Branch Manager and share progress report on their performance.
• Overall review of the targets vis-a-vis the actuals on a monthly on Growth and Quality.

Key Duties and Responsibilities:

1. Mobilizing deposits and growth of the loan book to grow the Bank’s portfolio.
2. Manage the portfolio quality of the various customers under their portfolio.
3. Growing customer numbers/base
4. Ensure the Sector’s policies and procedures are adhered to.
5. Identifying customer potential and credit worthiness and preparing credit proposals in compliance with the Bank’s credit and lending policy
6. Growth of the loan book by marketing to new and existing customers.
7. Relationship management of both customers and institutions.
8. Customer and Institutional appraisal.
9. Quality Customer Service.
10. Financial Literacy.
11. Supporting the various branch operations

Qualifications

 Desired Knowledge, Skills, and Ability:

• Strong communication, presentation, and negotiation skills
• Good analytical skills and ability to think outside the box
• Team player with excellent interpersonal skills
• Excellent planning skills
• High personal standards and goal oriented

Requirements:

• University degree preferably in a business field
• KCSE- C+ and above, C+ in English and C+ Mathematics
• Age – 24- 32 years old
• Computer literacy especially in office packages

THE ROLE:  RELATIONSHIP OFFICER-  BIASHARA BANKING (ONE YEAR CONTRACT RENEWABLE)

Reporting to the Credit Manager, ideal candidate will will manage and coordinate all the Lending activities / operations under him/her to ensure Sector goals (Growth and Quality) and objectives are achieved. He/she will:

• Drive growth of high quality portfolio in specific branch/business units as per the set Targets.
• Loan assessments/appraisals  and Recommendations to the Branch Credit Committee/Head Office Credit Committee
• Maintain Portfolio at Risk (PAR) as per Set Target
• Maintain High standards of customer service
• Ensure implementation/Compliance of Biashara Banking policies and procedures
• Actualize Sector Partnerships objectives and align to the Sector objectives
• Participate in development of Sector Products and reviews based on market needs
• Liaison with various Sector’s internal and external Stakeholders in the branch environment
• Sales & marketing of the Bank  products
• Coaching, Mentoring and hand holding the New Relationship officers
• Doing any other duties as may be assigned by the Business Growth & Development Manager or other line manager

Qualifications

• University degree in business related course.
• Experience in micro finance industry is an added advantage.
• Excellent understanding of micro customers. Exhibits an exceptional degree of ingenuity, creativity and resourcefulness. Guides and transfers knowledge to his/ her team members.
• Experienced in project management; Monitoring and evaluation is an added advantage.
• Strong proficiency in Microsoft suite.
• Able to operate in a performance driven organization
• Proficient in written and spoken Kiswahili and English 

Key Critical Competencies

• Mature personality
• Excellent interpersonal skills and  demonstrated conflicts resolution skills
• Strong training /coaching skills
• Strong communication, presentation and negotiation skills
• Team player
• Self-Driven, an eye for detail and capacity to meet strict deadlines while working under pressure with minimal supervision
• Strong analytical skills and problem solving skills
• Culture sensitive
• Individual Leadership skills, Excellent Planning and organizing skills
• Good knowledge of Microsoft office suite
• Willingness to learn
• Flexibility and an ability to change focus areas when needed
• Self-motivated and a self-starter