JOB DESCRIPTION
RESPONSIBILITIES
Customer Experience
- Understand the customer – both their operations and the sectors they operate to provide relevant tailored financial solutions.
- Drive customers to adopt digital platforms to reduce customer friction and service latency.
- Accurately and efficiently process customer mandates/ documentation requirements.
- Demonstrate customer obsession, by ensuring the customer is central to everything.
- Develops and maintains good relationship with all clients.
Sales Growth
- Develop and implement a customer-calling schedule to visit all customers in the portfolio.
- Develop and manage a pipeline of new customers to join Affinity.
- Offer lending solutions to customers based on their need.
- Ensure that products/solutions offered to customers are fit for their needs and the customers understand the workings of the products as well as pricing. Avoid mis selling.
- Ensure customers are effectively onboarded and retained through their life cycle with Affinity.
Credit Risk Management
- Plan and implement annual credit reviews for the portfolio.
- Support customers in the completion of credit application information requirements.
- Notify customers regarding the approval/ decline of credit facilities.
- Monitor of daily customer activities (leveraging on tools provided) to ensure that client facilities are managed within the parameters set by Risk. Exercising discretion regarding account conduct based on a close knowledge and understanding of customer activities.
- Provide first-level defence against deterioration of loan portfolio.
- Ensure all covenants/conditions are met by customer before disbursement and on an ongoing basis.
Compliance and Regulatory
- Ensure that all KYC and AML requirements and documents are accurate and documents (prior to account opening and on an ongoing basis) adequate for all customers in portfolio.
- Use customer information proactively in the prevention of fraud.
Key Skills
- Strong selling and relationship management skills
- Critical thinker with excellent analytical skills
- A ardent and creative problem-solver
- Excellent planning skills to ensure effective planning of the portfolio
- Customer-oriented with an ability to empathise with customers in every situation.
- A strong network
- Strong commercial awareness to ensure portfolio is delivering value to the organisation.
- Pays attention to details.
- Very decisive and taking ownership
- Curious mind with a strong desire to learn and adapt to situations
- Digitally-savvy and a strong desire for driving financial inclusion through digital technology
- A good understanding of analysing financial statements and credit risk management
- Strong quantitative thinking skills
Education and Professional Training
- Minimum of a Bachelor Degree in any area from a recognised and accredited institution
- At least two (2) years experience in relationship management in the SME segment
- At least one (1) year experience in a credit /risk environment.
Salary
Competitive
Monthly based
Location
, East Gonja Municipal District, Savannah Region, Ghana, Savannah Region, Ghana
Job Overview
Location
, East Gonja Municipal District, Savannah Region, Ghana, Savannah Region, Ghana