Relationship Officer

Requirements

• 3-5 years in retail banking, microfinance, or customer-facing sales role with demonstrable deposit mobilisation or business development results preferred.
  
• HND/BSc in Business, Finance, Social Science or related field.
  
• Microfinance certification or relevant banking training is an advantage.
  
• Strong sales, negotiation, and relationship management skills focused on deposit products.
  
• Proficiency with the bank’s core systems and Microsoft Office.
  
• Excellent verbal and written communication skills.
  

• Achieve growth across KPIs: liability mobilisation, CASA and fixed deposits, new funded accounts, income generation, and e-banking product adoption.
  
• Actively seek new sales opportunities through cold calling, networking, referrals, merchant and payroll initiatives, and community outreach.
  

• Open and convert funded accounts; ensure KYC/AML documentation is complete and accurate before funding.
  
• Explain product features, fees and benefits; onboard customers to digital channels (mobile, USSD, internet banking) to increase transactional volumes.
  

• Build and maintain strong relationships with retail and small business customers; conduct periodic account reviews and needs assessments.
  
• Cross-sell and bundle products (standing orders, payroll solutions, e-wallets) to deepen wallet share.
  

• Maintain a healthy portfolio and deposit mix; monitor account activity and retention.
  
• Identify potential credit or lending opportunities and refer qualified prospects to the credit team; support documentation but do not own collections unless assigned.
  

• Monitor competition and gather marketplace information on pricing, products and promotions.
  
• Recommend changes to products, services or processes based on market feedback and performance results.