Corporate Relationship Officer (1)
Job Purpose
To support the Relationship Manager in the day-to-day management of an assigned portfolio and provide credit analysis on key assigned credit relationships. Direct, Control and coordinate all banking, lending, and operations associated with the assigned portfolio of accounts to monitor acceptable risk and maximize the bank’s return from each client.
Main Responsibilities
- Provide an interface between the Bank and existing/prospective customers to maintain good customer relations and meet customer needs within the Bank’s strategic objectives.
- Oversee the relationship management of assigned customers through an effective call program, accompany the Relationship Manager on client visits, and file call reports.
- Run customer experience initiatives to build customer loyalty for the allocated portfolio.
- Attend to queries and routine correspondence from Customers, Credit Administration, Security Documentation, Risk Control, Branches, etc.
- Manage the portfolio in liaison with the Relationship Manager and, in their absence, assume full responsibility for the assigned portfolio.
- Prepare and submit credit proposals in line with Credit Policy guidelines and requirements in liaison with the Relationship Manager, ensuring high standards of Credit Analysis.
- Collect and analyze vital client data such as annual reports, management accounts, interim reports, industry reports, and press cuttings to facilitate a comprehensive review of assigned relationships.
- Obtain account statistics and profitability figures for facility review/appraisal purposes, ensuring information accuracy and incorporating relevant remarks in the credit proposal.
- Ensure timely review of all existing clients’ facilities.
- Prepare excess approval requests for all excesses.
Income Generation
- Support the Relationship Manager in achieving set income targets (interest income, fees, and commissions).
- Ensure all income is collected.
- Cross-sell other bank products.
Operations & Audits
- Monitor accounts daily to ensure facilities remain within approved limits, advising the Relationship Manager on overdrawn current accounts and processing cheque payments when necessary.
- Take remedial actions by pursuing customers for the regularization of overdrawn positions.
- Confirm interest rates regularly.
- Address audit queries, perform monthly snap checks, and resolve any anomalies or exceptions.
- Ensure that instructions are sent to lawyers via the Securities Documentation Centre for the perfection of securities.
- Continuously follow up with the Securities Department to ensure timely documentation and perfection of securities.
- Ensure compliance with securities perfection requirements, including payment of land rents, rates, and insurance.
- Prepare daily excess monitoring reports, monthly asset and income reports, and other relevant reports for the portfolio.
Cost Containment
- Ensure optimal use of stationery and recycling where applicable.
- Assist the Relationship Manager in containing interest expenses.
Daily Responsibilities
- Relationship Management
- Credit Appraisal
- Income Generation
- Operations and Audits
- Cost Containment
Educational Qualifications and Work Experience
- Bachelor’s Degree in any business-related field
- Professional Qualification – CPA
- Minimum three (3) years’ experience in Sales, Credit, and Banking operations
- Master’s Degree is an added advantage
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