Branch Relationship Officer - Consumer

Drive the growth of the consumer banking business by recruiting new customers, retaining existing relationships, and continuously reviewing client wallets to optimise the Bank’s revenue through cross-selling appropriate product bundles.

Qualifications

• A Bachelor’s degree in finance, Commerce, Business Administration, Economics, Statistics, management, or any relevant field.
  

Experience

• Relevant knowledge of general banking practices and procedures.
  

• Experience in utilising computer technology.
  

• Relevant knowledge of the banking sector in Uganda
  

• Experience in sales and product development
  

• Aggressively recruit new-to-bank consumer customers while retaining and managing existing relationships to support the branch's growth in balance sheet and profitability.
  

• Scan Local Area Networks to find opportunities for consumer products and opportunities and work with the RM-Schemes to propose MOUs to offer product solutions to local area organisations.
  

• Handle the application process for salary loans, including collecting and verifying documents such as proof of income, employment verification, and credit history.
  

• Work with the RM- Schemes recruit and sign MOUs with potential employers following the bank’s limits, policies, and procedures.
  

• Participate in community events and networking activities to increase the bank's awareness and presence in the community.
  

• Take a consultative approach to understanding clients’ objectives, effectively identify their financial needs, implement appropriate financial solutions, and undertake ongoing reviews and assessments to ensure exceptional customer relationships.
  

• Develop and manage a pipeline of potential consumer customers to avoid end-of-period panics.
  

• Prepare credit applications and participate in the underwriting and branch credit committee approval process.
  

• Ensure that all loans are documented completely and that any documentation or loan policy exceptions are addressed and resolved.
  

• Monitor the Branch Consumer portfolio to ensure that actual performance is consistent with approved limits and loan covenants as informed by the credit approval.
  

• Prepare and present for approval thorough, timely, and accurately analysed credit applications.
  

• Manage the branch's consumer relationships while effectively communicating with the Branch Manager and Manager Consumer.
  

• Contribute to product development and review of operational processes based on customer feedback to support the Bank in meeting its customers’ needs.
  

• Spot early warning signals, like delayed salary payments, to maintain a high-quality portfolio within the agreed-upon NPL ratio.
  

• Monitor and analyse the performance of client accounts, tracking key metrics such as revenue, deposit, profitability, and client satisfaction.