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 Bank’s products.

Key Responsibilities

• Identify opportunities and promote the Bank’s 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 master’s degree or Professional qualification/Certification will be an added advantage.(not compulsory).
  


• Post -graduation experience in marketing of Bank’s 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