Client Relationship Officer

Working closely with the Senior Relationship Officer the job holder will ensure implementation of sales and business growth strategies of lending and at the same time ensure quality of the loans portfolio (loans being to individuals and groups and across loan products) under the Old Mutual Finance Company (OMFin). The incumbent will identify business growth opportunities, acquire clients in area of jurisdiction, provide support first through facilitating opening of CABS Business/Personal Account, manage daily account utilization, mobile banking linkage and exposure for usage towards future lending and build a sizeable portfolio in both Old Mutual Unit Trust (OMUT) deposits (LSF and own account) while ensuring excellent client Experience.

• Holder of a business
• related degree.
• At least 1 year as a Relationship Officer either in group or micro loan lending.
Competency Requirements:
• Technical Knowledge, Ownership, Initiating Action, Gaining Commitment, Decision Making, Client Focus
Skills
• Client Prospecting, Client Relationship Building, Client Service, Loan Management, Loan Management System, Service Levels, Time Management

Key Result Areas:
• Proactively markets and generates business through in taking new groups or add on clients to already existing groups through client recruitment, and disbursement.
• Undertakes regular calls and visits to customers to ensure effective relationship management both at pre
• loan appraisal, post disbursement and engaging guarantors.
• Maintains up to date records especially transaction reports and client status reports.
• Cross sells all Old Mutual Group products and services to both existing and potential clients.
• Implements business growth initiatives including marketing activities, new business sign
• ups, new clients join in, front any potential partnerships to Branch Manager for review especially where such partnerships can lead to increased customer base.
• Prepares loan form applications and conducts credit appraisals, analysis and recommendations.
• Adheres to current procedures and processes in line with credit, operations and other set guidelines within Old Mutual Finance.
• Addresses all customer queries within stipulated Service Level Agreements (SLAs).
• Monitors the portfolio quality and proactively institutes remedial actions.
• Maintains sound relationships with all borrowing clients.
• Liaises with the branch leadership team, local authority i.e. chiefs, opinion leaders to reinforce loan collections.

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