• Application Deadline: Fri, 21 Feb 2025 00:00:00 GMT
• Position: Relationship Officer



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 1 - 4 years



• Location Lagos




• Job Field Banking  , Sales / Marketing / Retail / Business Development 
  
  

Promotion of products and origination of new clients

• Build and maintain portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period. 


• Liaise with community organizations, business associations, and individual entrepreneurs


• Identify potential clients


• Sensitize potential clients on all aspects of the loan program: procedures to apply, the terms and conditions, the incentives for good performance, and penalties for late repayment and default.

Conduct loan evaluations according to policies and procedures 

• Develop an accurate evaluation of each client’s capacity and willingness to repay the requested loan.


• Correctly complete loan application and evaluation process


• Arrange and undertake business site visits;


• Verify and cross-check all information relevant to the loan application and evaluation;


• Evaluate the willingness and capacity to repay of the client;


• Ensure an appropriate guarantee is in place and documented;


• Determine and present loan terms and conditions to credit committee.

Credit committee member

• Participate in credit committees providing input on other members’ loan proposals;


• Prepare and present own loan proposals to credit committee.

Provide high-quality customer service

• Develop relationship with each client to support the business success and cultivate loyalty.


• Monitor client business progress to identify any potential problems; 


• Offer suggestions and referrals where appropriate and within company policy;


• Demonstrate a concern and build client rapport.

Manage and recover late repayments

• Implement late repayment recovery procedures of the Bank


• Achieve and maintain targets on portfolio at risk and loan loss;


• Emphasize the importance of on-time repayment with clients;


• Monitor repayment reports daily and client behavior patterns.

Build community rapport

• Become knowledgeable and known in the assigned geographic zone.


• Build rapport with community, business associations and leaders;


• Be known and visible in the community;


• Develop goodwill of community towards the Bank.

Support the Team 

Providee support to peers and others within the Bank in uplifting its values and policies.

Qualification and Experience 

• A minimum of HND or BSC in Business, Banking, Finance, Accounting, Economics, and/or related fields.


• Must have completed NYSC


• Understand the local area where they are working 


• Strong interpersonal skills


• Ability to develop strong financial analysis skills 


• Ability to assess character of potential clients


• Computer literacy


• Independent worker; honest and of high integrity


• Experience in credit of financial service industry will be an added advantage. 

Key Performance Indicators (KPIs):

• Client retention rate.


• Number of new client acquisitions.


• Revenue generated from upselling/cross-selling.