Business Credit Associate
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Job Location:
Monthly Salary:
Posted on:
18 hours ago
Vacancies:
1 Vacancy
Job Summary
Job Summary
The Business Credit Associate (BCA) takes ownership of the SME customer journey from acquisition and onboarding through transactions deposits and quality loans. We define quality as a mutual relationship where the customer receives funds to meet their business needs through the loan from Affinity and customer has the ability to pay back that loan. The BCA is the liaison between Affinity and the customer managing customer relationships and ensuring that Affinitys interest is protected. If the opportunity to develop your career in a digital banking space through the onboarding growing and retaining a portfolio of SME customers excites you then this role is for you.
Our Mission
We are building an Africa where dreams are achievable through access to affordable financing. Our mission begins with building Ghanas first fully digital banking institution and expanding across Africa to offer affordable deposits loans and instant account opening all through a seamless app experience. By providing free bank accounts with no monthly fees and interest on all products Affinity drives innovation and economic growth through meaningful financial inclusion. Our goal is to reach a million customers by 2030.
Required Skills:
Customer Experience
- Understand the customer both their operations and the sectors they operate to provide relevant tailored financial solutions.
- Drive customers to adopt digital platforms to reduce customer friction and service latency.
- Accurately and efficiently process customer mandates/ documentation requirements.
- Demonstrate customer obsession by ensuring the customer is central to everything.
- Develops and maintains good relationship with all clients.
Sales Growth
- Develop and implement a customer-calling schedule to visit all customers in the portfolio.
- Develop and manage a pipeline of new customers to join Affinity.
- Offer lending solutions to customers based on their need.
- Ensure that products/solutions offered to customers are fit for their needs and the customers understand the workings of the products as well as pricing. Avoid mis selling.
- Ensure customers are effectively onboarded and retained through their life cycle with Affinity.
Credit Risk Management
- Plan and implement annual credit reviews for the portfolio.
- Support customers in the completion of credit application information requirements.
- Notify customers regarding the approval/ decline of credit facilities.
- Monitor of daily customer activities (leveraging on tools provided) to ensure that client facilities are managed within the parameters set by Risk. Exercising discretion regarding account conduct based on a close knowledge and understanding of customer activities.
- Provide first-level defence against deterioration of loan portfolio.
- Ensure all covenants/conditions are met by customer before disbursement and on an ongoing basis.
Compliance and Regulatory
- Ensure that all KYC and AML requirements and documents are accurate and documents (prior to account opening and on an ongoing basis) adequate for all customers in portfolio.
- Use customer information proactively in the prevention of fraud.
Key Skills
- Sales Experience
- B2B Sales
- Time Management
- Marketing
- Analysis Skills
- Dental Office Experience
- Sales Pipeline
- Project Management
- CRM Software
- negotiation
- Management Consulting
- Phone Etiquette
