Reports to:
Relationship Manager, Schemes
Job Purpose:
Mobilize and grow Assets and Deposits in retail banking segment whilst ensuring that the customers in the corporate, SME, Institutions, HNI are retained profitably. Key Responsibilities Strategy:
Assist Business Development, Monitoring and Debt Recovery in implementation of agreed strategies aimed towards improving asset and liability portfolio
Management:
Contribute to the growth of schemes business
Monitor monthly loan payments/ check off payments
Effect check offs and ensure timely delivery of check off schedules to employers
Schemes relationship management
Follow up on schemes MOUs to ensure speedy sign off.
Monitor re-invoicing and collections and ensure they are well conducted
Monitor hardcore cases and ensure they are sent to DRU & external debt collectors and close follow-up to ensure clients regularize their loan accounts
Compilation and sharing of various retail performance reports with the relevant teams and management on a daily, weekly and Monthly basis
Monitor portfolio Clean Up, and follow up with Credit Administration to ensure all loans in the system are corrected and well maintained
CRB listing – Ensure all defaulting clients who deserve to be listed are all listed with the various Credit Reference Bureaus
Build and maintain customer relationships in order to achieve excellent customer service and customer loyalty Compliance:
Ensure compliance with both internal and external regulatory requirements.
Work closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with retail and consumer banking
Escalate any recommended improvements in procedures
Skills, Experience and Competencies
Skills and Experience required for this Role
Be a holder of Bachelor’s degree in Business related field.
Relationship Management experience.
Must possess experience in portfolio management from a financial institution.
Possess Public Relationship skills in both formal and social gatherings and ability to establish and maintain effective working relationship with those interacted with in the course of carrying out duties.
Credit management experience.
Life skills – confidence and ability to relate to people from varied circumstances and walks of life.
Knowledge of credit industry and legal processes and application in a schemes administration.
Core Competencies
Emotional Intelligence; Dynamic, individual with the ability to work under pressure.
Excellent selling skills
Strong networking skills, for both internal and external networks
Relationship Management skills with excellent Human Relations skills, communication skills and interpersonal skills
A passion for performance, building team play, and achievement in a competitive and dynamic environment
Hardworking, strategically minded individual with excellent leadership, organizational, and planning skills
Commercial awareness and customer focus
Pleasant, honest, outgoing, well groomed and self-driven
