The service of a Business Relationship Officer is needed At Affinity. As the Business Relationship Officer, you are responsible for managing business customer expectations, identifying new business opportunities, and recording daily customer transactions to achieve the assigned asset and liability targets. You will grow and retain a portfolio of SME customers by performing a proactive, mobile, value-adding financial partnership role, ensuring that a full array of customized and relevant financial solutions and services tailored to meet the growth needs and potential of the customers are provided.
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Key responsibilities:
Customer Experience
- Understand the customer – both its operations and the sector it operates in order to provide relevant tailored solutions
- Drive customers to adopt digital platforms to reduce customer friction and service latency
- Interact frequently and closely with all customers to analyze and establish ongoing needs and to assist customers to better understand their financial requirements
- Accurately and efficiently process customer mandates/ documentation requirements
- Demonstrate customer obsession, by ensuring the customer is central to everything
- Ensure customer queries and service requests are done within the shortest possible
time - Develops and maintains good relationship with all clients
Sales Growth
- Develop and implement a customer-calling schedule to visit all customers in the portfolio
- Conduct a full customer value analysis on customers with the view of understanding customers’ businesses and identifying opportunities to bank their ecosystem
- Private and Confidential Affinity Ghana Savings & Loans Limited, all rights reserved
- Develop and manage a pipeline of new customers to join Affinity
- Offer solutions (lending, transactional and investment) 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 misselling
- Coordinate with Hub supervisor and Hub coordinator to schedule sales programs and promotion for new markets.
- 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
- Motivate and process non-pre-qualified credit applications
- 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 defense 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 and requirements:
- 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 empathize with customers in every situation A strong network
- Strong commercial awareness to ensure portfolio is delivering value to the organization.
- 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 analyzing financial statements and credit risk management
- Strong quantitative thinking skills
Education and professional training:
- Minimum of a bachelor’s degree in any area from a recognised and accredited institution
- At least three (3) years’ experience in relationship management in the SME segment
- At least one (1) year experience in a credit /risk environment
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How To Submit An Application For Business Relationship Officer (Affinity)
All applications should be sent to: jobs@affinityghana.com