Relationship Officer – Asset Finance

Good communication and presentation skills – Ability to convey information with clarity both spoken and written.
Marketing and selling proficiency – Equips the individual to undertake sales targeting, sell bank services and meeting sales targets.
Results driven – able to efficiently manage time, meet deadlines and communicate risks, resource needs, and priorities and deliver results.
Good analytical skills – Ability to collect and analyze information, problem-solve, and make sound judgements and decisions.
High Integrity – Ability to exhibit honesty and ethical behavior in one’s conduct.
Proactive – High sense of urgency and attention to detail. Ability to work without supervision and meet strict deadlines.

Minimum Requirements; Work Experience, Academic and Professional Qualifications.

Bachelor’s degree in business or a related field
A Minimum of 3 years’ experience in banking, with at least 2 years’ experience in sales
Strong credit skills and good understanding of SME and Corporate Banking Products.

Credit Application file set up and follow up.
Collect and analyse customers or prospect financial statements and other documents.
Analysis and preparation of credit facility application files, and adherence to pricing conditions negotiated, within set SLAs after receipt of all the documents from the customers.
Provides performance dashboards to the Head Asset finance including business opportunities that contribute to the overall growth of the portfolio.
Identify opportunities to cross sell the Bank’s various products.
Coordinate and mobilize asset finance business from branches.
Management of the asset finance portfolio quality and maintaining it within risk thresholds of the Bank.
Continuously identify and exploit cross selling opportunities that embed the bank and its products with customer needs.

2. Customer Focus.

Analysis of the real needs of customer and checks consistency of requested and proposed facilities.
Ensures retention of clients while enriching and updating prospect databases.
Identify opportunities to meet customer needs and for cross sell.
Follow up on customer complaint/s and ensures delivery within Service Level Agreements and procedures.
Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers.
Synergies with various departments in the bank and other external stake holders
Develop new relationships with clients with an aim of increasing the number of asset finance, attaining good quality asset finance book for the branch in line with the set budgets.
Drive the growth of Asset Finance book.
Daily dealer visit
participate in marketing activities within the business area in order to maximize an appropriate growth in business
Create a database of all key clients within assigned dealers to ensure continuous monthly care calls/visits.
Provide agreed levels of service within the agreed TAT (turnaround times) and SLAs of Asset finance products.

3. Internal Processes.

End to end credit approval process.
Monitoring of Covenants- Ensure that customers meet all the post drawdown covenants.
Maintaining relationship with international partners ranging from Direct Foreign Investors to Correspondent banks
Conducting further due diligence on customer profile and application documents.

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