Business Development / Relationship Officer at Estrada International Staffing Solutions

Job objectives

• The successful candidate will play a crucial role in building and maintaining strong relationships with clients, identifying their financial needs, and providing tailored financial solutions.
• This role requires excellent interpersonal skills, a deep understanding of microfinance products, and the ability to drive customer satisfaction and business growth.

Principal Duties / Responsibilities
Client Relationship Management:

• Develop and maintain strong relationships with existing and potential clients.
• Act as the primary point of contact for clients, addressing their inquiries and resolving issues promptly.
• Conduct regular client visits to assess their financial needs and offer appropriate financial solutions.
• Provide personalized service to high-value clients to enhance customer loyalty and retention.

Sales and Business Development:

• Identify and pursue new business opportunities to expand the client base.
• Promote and cross-sell the bank’s products and services, including loans, savings accounts, and other financial products.
• Achieve individual and team sales targets through effective sales strategies and initiatives.
• Participate in marketing campaigns and community outreach programs to raise awareness of the bank’s offerings.

Credit Assessment and Risk Management:

• Conduct thorough credit assessments to evaluate the creditworthiness of potential borrowers.
• Prepare and present credit proposals to the credit committee for approval.
• Monitor and manage the loan portfolio to ensure timely repayments and minimize default rates.
• Implement risk management practices to safeguard the bank’s assets and maintain a healthy loan portfolio.

Customer Service and Support:

• Provide clients with accurate and timely information about their accounts and transactions.
• Assist clients with the loan application process, ensuring all required documentation is complete and accurate.
• Educate clients on the bank’s policies, procedures, and financial literacy to empower them to make informed financial decisions.
• Handle client complaints and feedback professionally, escalating issues as necessary to ensure resolution.

Reporting and Documentation:

• Maintain detailed records of client interactions, transactions, and loan activities.
• Prepare and submit regular reports on sales activities, client feedback, and market trends.
• Ensure compliance with all regulatory requirements and internal policies.

Team Collaboration:

• Work closely with other departments, such as credit, operations, and customer service, to deliver seamless banking experiences to clients.
• Participate in team meetings, training sessions, and performance reviews.
• Contribute to a positive team environment by sharing best practices and supporting colleagues.

Job Requirements

• Bachelor’s Degree in Finance, Business Administration, Economics, or a related field.
• 2 - 5 years relevant work experience.
• Proven experience as a Relationship Officer, Sales Representative, or similar role in the microfinance banking industry.
• Strong knowledge of microfinance products, credit assessment, and risk management.
• Excellent interpersonal and communication skills.
• Strong sales and negotiation skills with a track record of achieving sales targets.
• Customer-focused with a commitment to delivering exceptional service.
• Ability to work independently and as part of a team.
• Proficiency in MS Office applications and banking software.
• High level of integrity and ethical standards.
• Strong analytical and problem-solving skills.