Relationship Officer (Mortgage bank)

Job Title: Relationship Officer (Mortgage bank)

Department /Unit: Business Development

Job Grade: Executive Trainee - Senior Banking Officer

Job Summary

To facilitate activities relating to promoting and marketing the Banks products.

Key Responsibilities

• Identify opportunities and promote the Banks products.
  
• Acquire new customers and nurture business relationship(s) with potential customers (e.g. high net worth individuals corporate bodies etc.).
  
• Manage relationships with key accounts owners and ensure growth in deposit and prompt loan repayment.
  
• Build long-term relationship with clients and customers.
  
• Prepare Credit Appraisal Memorandum (CAM) and manage credit risk within applicable limit.
  
• Attend related forums seminars business receptions etc. to learn about the latest market developments business opportunities and existing competitors.
  
• Create and enforce plans/strategies that will boost positive brand perception and ensure customer needs are met.
  
• Effectively initiate and complete accounting opening documentation for customers in accordance with the KYC guidelines.
  
• Perform other duties as assigned by the Business Development Manager.
  

Skills and Competency Requirements

• Good selling skills and ability to win customers trust.
  
• Negotiation skills and ability to close the deal.
  
• Good understanding of Mortgage loan system and credit appraisal system.
  
• Strong Communication Skills and client management skills.
  
• Analytical problem solving with ability to generate ideas.
  
• Ability to use own initiative and pay close attention to detail.
  
• Organization and ability to cope with competing demands.
  
• Good Office etiquette and interpersonal skills.
  
• Strategic thinking and ability to solve problems.
  
• Ability to work in a team and independently.
  

Specifications

• A minimum of first degree or its equivalent in any discipline.
  
• A masters degree or Professional qualification/Certification will be an added advantage.(not compulsory).
  
• Post -graduation experience in marketing of Banks Products and Services not mandatory. Key Performance Indicators
  
• Market share in geographical location.
  
• Growth in total deposit balance.
  
• Overall profitability of the Bank (Revenue growth).
  
• Customer growth (Number of new and repeat customers).
  
• Number improved (existing) and new products/services.
  
• Accuracy and completeness of reports.
  
• Number of non-Performing Loan
  
• No of complaints from external and Internal customers
  
• Internal Control Exceptions/Audit Opinion
  
• Effective administration of NHF loan
  

Key Result Areas

*Deposit mobilization

* Quality of Mortgage loans booked

* Loan repayment

* Sound credit judgement

* Number of HNI Accounts

*Non-performing loans

* Number of new active account and Number of repeat customers.

Reporting Relationships

Administratively Reports to Business Manager Business Development Supervises Not Applicable