Senior Relationship Officer

Job Purpose

Responsible for growing both Assets (Loans) and Liabilities (Deposits) by fostering and maintaining customer relationships to drive the banks business. Responsible for managing and growing a portfolio of SMEs & Retail Banking clients by understanding their unique financial needs and providing tailored banking solutions.

Summary of Key Duties and Responsibilities

• Pro-actively managing and developing effective client relationships, identifying and managing solutions to meet a wide range of client needs, and promoting products and services
• Generating and growing revenue streams through effective client management
• Developing a comprehensive understanding of the clients financial needs and demonstrating strong product and service knowledge to match the banks offering with the client's needs
• Generating new client acquisitions and selling products to new clients; liaising with the sales team to ensure the quality of leads referred is to the required standard
• Conducting KYC reviews and risk assessments associated with on-boarding new clients
• Overseeing the credit risk associated with assigned client relationships
• Coordinate with Relationship officers/Branch Manager to prepare appropriate financial structure for managing risks and realizing economic value
• Proactively engage with other stakeholders of the bank to ensure the portfolio is maintained to the highest standard.
• Maintaining and updating accurate client information; taking ownership of client service requests and inquiries
• Making proactive client calls and responding swiftly to client requests
• Working with other Relationship officers to enhance the service offered and improve revenue generation
• Preparing presentations to senior management to appraise them of new business development plans and strategies
• To ensure the performance criteria ratio is maintained within the acceptable risk level.
• To accept cash or money orders deposited by customers, credit customers' accounts, and issue receipts and statements
• Facilitate payment of money to or credit accounts for customers according to advice slips, cheques, or other banking documents, and debit appropriate accounts
• Conduct foreign currency transactions as requested by customers
• To balance cash
• Identify customer needs and refer customers to appropriate banking services and specialists
• Handling any inquiries and resolving customer complaints.
• To open and close accounts as per Customer request.

Key Competencies Required and Academic Background

Required Qualifications

• Bachelor's degree in Business Administration, Marketing, Banking and Finance, or any other relevant fields.
• MBA will be an added advantage

Required Experience

3 to 5 years experience in SMEs and Retail Banking.

Required Knowledge and Skills

• Ability to assess clients financial needs and recommend suitable banking products or services.
• Excellent verbal and written communication for clear client interaction and presentations.
• Strong ability to build rapport, resolve complaints effectively, and ensure a positive customer experience.
• Capability to establish trust and maintain long-term partnerships with clients.
• Maintaining integrity and professionalism in handling client information and transactions.