[ref. r340900] Relationship Manager

Job Description:

• Responsible for marketing and generating loans based on target market and lending directions of the bank.
• Prospect loan clients, evaluate accounts, validate business and financial statements, prepare loan recommendations, and present for approval.
• Monitor and nurture approved accounts.
• Act as a credit officer, making recommendations based on the client’s financial needs and conditions.
• Ensure loan applications follow the required credit process, including credit information, collateral appraisal, and credit scoring.
• Disclose all credit information to the approving body.
• Ensure proper documentation for approved loans, including account registration and loan disbursement.
• Continuously monitor and supervise accounts until full repayment.
• Identify problem loans early and implement remedial solutions such as term amendments, rescheduling, or restructuring.
• Transfer accounts to the Remedial Management Department (RMD) if necessary for litigation.
• Keep credit folders complete and up-to-date.

Qualifications:

• Preferably a graduate of any Business Related course
• With at least with three (3) years of experience in banking and sales in other banks.
• Preferably with experience as Relationship Manager.
• Preferably with existing loan portfolio
• Strong loan marketing and sales skills
• Excellent negotiation skills
• Proficient in credit analysis and risk assessment
• Experience in rural banking is a plus