Relationship Officer

Key Responsibilities:

Client Acquisition and Onboarding

• Proactively identify and acquire new Mass Retail and MSME customers through outreach, referrals, and branch walk-ins.
• Conduct client onboarding processes, ensuring compliance with KYC (Know Your Customer) and regulatory requirements.
• Present and promote the bank’s products and services to potential clients, tailoring offerings to meet their specific needs.

Relationship Management

• Build and maintain strong relationships with existing clients, ensuring regular engagement to understand and address their needs.
• Act as the primary point of contact for Mass Retail and MSME clients, providing personalized support and resolving queries or issues promptly.
• Conduct periodic reviews of client accounts to identify cross-selling or upselling opportunities for products like loans, deposits, insurance, and digital solutions.

Credit Sales and Loan Management

• Promote and sell credit products tailored to Mass Retail and MSME clients, such as personal loans, SME loans, and working capital finance.
• Assist clients with loan application processes, ensuring documentation is accurate and complete.
• Monitor loan repayments and follow up on delinquencies, working closely with the Branch Manager to mitigate credit risks.

Customer Education and Engagement

• Educate customers about the bank’s digital platforms and services, such as mobile banking, online banking, and self-service channels.
• Provide guidance to MSME clients on financial literacy, business growth opportunities, and leveraging the bank’s services to scale their operations.
• Organize and participate in branch or community events aimed at engaging Mass Retail and MSME clients.

 Sales Target Achievement

• Work towards achieving branch-specific sales targets for deposits, loans, and other retail products, as outlined by the Branch Manager.
• Develop and execute action plans to meet individual and branch-level goals.
• Regularly report progress on sales and client engagement activities to the Branch Manager.

Data and Market Insights

• Gather and analyze customer data to identify trends, preferences, and opportunities for service improvement.
• Provide feedback to the Branch Manager on customer needs, competitor activities, and potential market opportunities for Mass Retail and MSME segments.
• Maintain accurate and up-to-date records of all customer interactions and transactions.

Operational Support

• • Assist the Branch Manager in ensuring smooth branch operations by coordinating with other staff members.
• Support the implementation of branch-level campaigns and initiatives targeting Mass Retail and MSME clients.
• Ensure adherence to bank policies, procedures, and regulatory compliance in all interactions.

Risk Management

• Monitor client activities to identify and flag potential risks related to fraud, account misuse, or default.
• Work with the Branch Manager to implement strategies for risk mitigation, particularly in credit management for MSME clients.

Qualifications

• •Minimum of 2 years post qualification experience in the Banking Sector.
• A good first degree in any discipline. Masters degree or accounting or banking professional qualification will be an added advantage.

Competencies

• Good understanding of banking operations (Domestic & International Operations)
• Good accounting knowledge
• Good Customer service/ relationship management skills
• Good transaction processing & documentation
• Good communication (oral & written)

Salary Range: Attractive

Employment Type: Full-time

Location: Accra