Old Mutual, a firm deeply committed to embracing the African opportunity, is seeking vibrant individuals to join our diverse talent pool.
Job Description: Working closely with the Senior Relationship Officer, the successful candidate will play a crucial role in implementing sales and business growth strategies for lending. The focus will be on ensuring the quality of the loans portfolio, catering to both individuals and groups across various loan products under Old Mutual Finance (OMFIN). The role involves identifying business growth opportunities, acquiring clients in the designated area, facilitating the opening of CABS Business/Personal Accounts, managing daily account utilization, establishing mobile banking linkages, and building a substantial portfolio in both OMUT deposits (LSF and own account). Additionally, ensuring an excellent client experience is paramount.
Duties and Responsibilities
-Proactively market and generate business by onboarding new groups or adding clients to existing groups through client recruitment and disbursement. -Conduct regular calls and visits to customers to ensure effective relationship management, spanning pre-loan appraisal, post-disbursement, and engaging guarantors. -Maintain up-to-date records, especially weekly Periodic Transaction Reports and Client Status Reports, for client updates shared during group meetings. -Cross-sell all Old Mutual Group products and services to both existing and potential clients. -Implement business growth initiatives, including marketing activities, new business sign-ups, new client acquisitions, and presenting potential partnerships to the Branch Manager for review. -Prepare loan form applications for presentation to BCC, conduct credit appraisals, and present findings in meetings for further review and recommendations. -Adhere to current procedures, processes, memos, and circulars issued from time to time in line with credit, operations, and other set guidelines within Old Mutual Finance. -Address all customer queries within stipulated Service Level Agreements (SLAs). -Monitor the portfolio quality on a daily basis and proactively institute remedial actions. -Maintain sound relationships with all borrowing clients. -Liaise with the branch leadership team, local authorities (e.g., chiefs, opinion leaders) to reinforce loan collections.
Qualifications and Experience
-At least 1 year of experience as a Relationship Officer, either in group or micro loan lending.
