Client Relationship Officer – Advance Savings & Loan

Job Description

Job description

What will your role be?
Reporting to the Branch Manager/ Team Leader, the Client Relationship Officer is responsible for prospecting for clients, appraising loan clients, and monitoring and developing his/her loan and deposit portfolio. The role holder is also responsible for developing the savings and deposits portfolio for the target groups.

MAIN RESPONSIBILITIES

1. Commercial Activities
• Organize prospecting and communication actions in the zone of intervention (Organize prospecting and communication actions in the zone of intervention (markets and commercial areas) by collaborating with his/her colleagues and other staff of the institution.
• Introduce Advans Ghana products and services to the target population.
• Follow up the prospects by regular contact with the identified potential clients.
• Propose new products and services to his/her current clients.
• Identify clients’ needs and propose new products/services to the management.
• Encourage clients to open deposit accounts and meet targets.
• Ensure that each customer receives outstanding service by providing a friendly environment, which includes greeting and acknowledging every customer, maintaining outstanding standards, solid product knowledge, and all other aspects of customer service.

2. Loan Activities
• Assist the clients with loan applications.
• Conduct loan appraisal and collect detailed information (personal, business, guaranties) on the field.
• Present the loan request to the loan committee.
• Organize recovery actions in case of late repayment.
• Maintain regular contact with clients by organizing visits to the field.
• Become a respected and active stakeholder in the intervention zone by spending most of the time on the field and creating a trusty relationship with small businessmen/women.

3. Administrative Activities
• Keep complete and detailed documentation on each client.

4. Organization and Control
• Prepare a weekly plan with expected tasks and visits to be done.
• Share information and best practices with staff.
• Report all the issues related to the job to the immediate supervisor.
• Analyse the client portfolio by using operational reports.

Performance Criteria
The Client Relationship Assistant shall demonstrate:
• Ability to meet objectives (quantitative and qualitative) determined by the operations department and branch manager.
• Ability to represent Advans Ghana in the branch by demonstrating professionalism and dynamism.
• Ability to respect policies and procedures.
• Ability to manage the information by using the MIS and keeping records in client files.
• Good communication skills.
• Good drive for initiatives.
• Ability to deliver clear, transparent, and accurate information to clients.
• Ability to manage the information by using the MIS and keeping records in the client files.
• Ability to become a key stakeholder in the intervention zone.
• Ability to adapt the communication depending on the type of clientele by speaking local languages and adapting the level of language.
• Ability to manage the information by using the MIS and keeping records in the client files.
• Ability to become a key stakeholder in the intervention zone.
• Ability to adapt the communication depending on the type of clientele by speaking local languages and adapting the level of language.

GENERIC ACTIVITIES
• Prospection, client/guarantor visits, loan disbursement, recovery

CHALLENGES
• Dealing with difficult clients
• Commuting in between different locations
• 80% of the work time on the field engaging customers

Required profile

What kind of profile are we looking for?
You have a:

• At least a Diploma/ Higher National Diploma and/or Bachelor’s Degree
• A minimum of one (1) year working experience (National Service inclusive).
• Good mathematical ability, market appraisal skills, and knowledge of accounting.
• Practical knowledge of micro/small businesses and the market environment is an advantage.