Customer Relationship Officer (BUSINESS LOANS (BL) / VILLAGE BANKING (VB) / SMALL GROUP LOANS (SGL)

  • Multiple Locations, Malawi
  • Operations
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REPORTS TO:

Customer Relationship Supervisor

 

BASIC FUNCTION

 

The main role of the Accounts Relationship Officer is to develop and maintain a quality Loan Portfolio at the respective branch.

 

Major Areas of Responsibility:

 

 

I.          Budget and Targets

  • Develop together with the supervisor a plan/strategy on building a balanced risk portfolio, to meet Targets / Budget
  • Identify potential clients for the products
  • Carry out an inventory of all eligible businesses in the attributed zone
  • Develop a risk profiling of these businesses according to BCP

 

II.         Sell products to Clients

  • Target the identified clients businesses and interest them in the products
  • Analyse willingness and capacity of loan repayment in accordance with FINCA VB/ BL / SGL Lending methodology.
  • Refer clients that might be eligible for other FINCA products to the respective department.
  • Look for new opportunities with existing clients

 

III.        Processing of loan applications

  • Evaluate and assess the credit risk of clients by inspecting businesses and households of potential clients, appraise client’s businesses and repayment capability and provide recommendation of a loan amount.

 

IV.        Manage client relationships

  • Explain the terms of the loan agreement.

 

V.         Risk Management

  • Conduct pre-payment visits to clients to verify proper loan utilization.
  • Analyse expected payment reports and remind clients to pay their instalments at least three days before due date.
  • Monitor the repayments of loans disbursed.
  • Verify that the loan has been invested in the purpose for which it was given.
  • Ensure to maintain a quality loan portfolio with PAR >30 days <3%
  • Monitor the quality of loan portfolio against identified risk profile per Action Plan
  • Adhere to policies and procedures in all stages of processing

 

VI.        Loan Recovery

  • Follow up all delinquent loans to ensure they are recovered.
  • Make sure an updated action sheet exists on each and every client in the portfolio that is/has been delinquent.
  • Participate in the loan recovery committee.
  • Escalate all non performing loans according to FINCA Policy to the Loan/Credit supervisor/ARS.

 

VII.       Record Keeping

  • Provide loan operator with a complete loan file in order to facilitate credit decision making and disbursement
  • Maintain complete and accurate loan documentation.

 

VIII.      Reporting and Adherence to procedures

  • Prepare and submit reports on the number of clients, repayments, portfolio quality, loan recoveries and follow-up action on delinquent loans as per established reporting procedures and timelines.

 

IX.        Competition / Market Trends

  • Follow Competition closely to get to know their next moves

 

  1. X.            Training
  • Undergo Training

 

PERSONNEL SPECIFICATIONS:

 

Education:       

  • University Degree preferably in commerce and accounting (B.Com), Business Administration (B.BA/ Banking) or related discipline.

Language:

  • English/French in DRC
  • Language of the area in which the branch is located.

Experience:      

  • None.
  • Extra curricular activities during studies are a plus

 

Functional skills:

  • Ability to effectively sell FINCA products/services.
  • Basic computer skills: mainly excel and windows
  • Business management skills.
  • Credit analysis skills.
  • Observations skills.
  • Analytical skills and logical reasoning
  • A good feeling for numbers
  • Excellent public relations skills
  • Willingness to work in the field, sometimes for long hours

 

Managerial/professional skills:  

  • Planning and organizing skills.
  • Excellent communication and interpersonal skills.
  • A team player who is also able to work independently.
  • Good problem-solving skills
  • Good negotiation skills.
  • Customer-oriented.
  • Social consciousness.
  • Integrity and professional ethics.
  • Goal and target oriented
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