Faulu MFB - Senior Relationship Officer SME

1. KEY TASKS AND RESPONSIBILITIES

KEY MEASURABLE GOALS

• Achievement of quality portfolio to meet targets <3 % for above 30 days and nil for below 30 days.
  
• Timely loan recovery and follow-ups to minimize delinquencies and improve portfolio health.
  
• Client acquisition, increase rate of MSME loan uptake and relationship management.
  
• Increase revenues through cross selling of other bank products e.g. sale of cheque  books, mobile banking enrolment.
  
• Active Deposit Mobilization to meet set targets.
  

KEY RESPONSIBILITIES

• Proactively market and generate business, focusing on deposit mobilization, loan  disbursement, and overall revenue growth.
  
• Undertake regular calls and visits to customers to ensure effective relationship  management and customer satisfaction.
  
• Cross sell all Faulu products and services to both existing and potential clients ensuring  maximum penetration and customer retention
  
• Business growth initiatives including marketing activities, new business sign ups, new  partnerships etc. 
  
• Prepare credit appraisals, analysis and present to the Branch Credit Committee  meetings further review & recommendations. 
  
• Adhere to current procedures, processes, memos and circulars as may be issued from  time to time. 
  
• Address all customer queries within stipulated Service Level Agreements (SLAs). 
  
• Monitor the portfolio quality on a daily basis and proactively institute remedial actions. 
  
• Conduct regular visits and follow-ups with customers to ensure satisfaction and relationships foster long-term
  
• Promote Digital Banking adoption by onboarding and supporting customers on usage of Digital Banking platforms (Digi Cash, Internet Banking USSD Code)
  
• Provide ongoing support to Sales Consultants to enhance their productivity and effectiveness.
  
• Recruit, train, and manage agency banking partners while monitoring their performance, providing support and ensuring compliance with banking policies.
  
• Liaison with the branch leadership team, local authority i.e. chiefs, opinion leaders to reinforce loan collections
  

2. SKILLS, KNOWLEDGE & COMPETENCIES

• Business management skills
  
• Credit management skills Supervisory skills
  
• At least 5 years as a Universal Banker in MSME business
  
• Lending hands on experience of at least 3 years.
  

Competencies Required

• Good communication 
  
• Interpersonal skills
  
• Team leader/player
  

3. QUALIFICATIONS & EXPERIENCE

Education

• Business related degree from a recognized university
  

Professional Qualifications

• Accounts Qualification Section 4 of CPAs 
  

Additional (Preferred, Not A Requirement) Qualifications/Experience

• Master’s degree
  

1. KEY TASKS AND RESPONSIBILITIES

KEY MEASURABLE GOALS

• Achievement of quality portfolio to meet targets <3 % for above 30 days and nil for below 30 days.
  
• Timely loan recovery and follow-ups to minimize delinquencies and improve portfolio health.
  
• Client acquisition, increase rate of MSME loan uptake and relationship management.
  
• Increase revenues through cross selling of other bank products e.g. sale of cheque  books, mobile banking enrolment.
  
• Active Deposit Mobilization to meet set targets.
  

KEY RESPONSIBILITIES

• Proactively market and generate business, focusing on deposit mobilization, loan  disbursement, and overall revenue growth.
  
• Undertake regular calls and visits to customers to ensure effective relationship  management and customer satisfaction.
  
• Cross sell all Faulu products and services to both existing and potential clients ensuring  maximum penetration and customer retention
  
• Business growth initiatives including marketing activities, new business sign ups, new  partnerships etc. 
  
• Prepare credit appraisals, analysis and present to the Branch Credit Committee  meetings further review & recommendations. 
  
• Adhere to current procedures, processes, memos and circulars as may be issued from  time to time. 
  
• Address all customer queries within stipulated Service Level Agreements (SLAs). 
  
• Monitor the portfolio quality on a daily basis and proactively institute remedial actions. 
  
• Conduct regular visits and follow-ups with customers to ensure satisfaction and relationships foster long-term
  
• Promote Digital Banking adoption by onboarding and supporting customers on usage of Digital Banking platforms (Digi Cash, Internet Banking USSD Code)
  
• Provide ongoing support to Sales Consultants to enhance their productivity and effectiveness.
  
• Recruit, train, and manage agency banking partners while monitoring their performance, providing support and ensuring compliance with banking policies.
  
• Liaison with the branch leadership team, local authority i.e. chiefs, opinion leaders to reinforce loan collections
  

2. SKILLS, KNOWLEDGE & COMPETENCIES

• Business management skills
  
• Credit management skills Supervisory skills
  
• At least 5 years as a Universal Banker in MSME business
  
• Lending hands on experience of at least 3 years.
  

Competencies Required

• Good communication 
  
• Interpersonal skills
  
• Team leader/player
  

3. QUALIFICATIONS & EXPERIENCE

Education

• Business related degree from a recognized university
  

Professional Qualifications

• Accounts Qualification Section 4 of CPAs 
  

Additional (Preferred, Not A Requirement) Qualifications/Experience

• Master’s degree