Entrepreneurs Financial Centre (EFC) Zambia
Job Summary
The primary responsibility of a Relationship Manager is to disburse quality loans, develop and maintain a quality loan portfolio and to ensure that the savings target is met, while ensuring that our clients experience an excellent customer service.
Essential Duties and Responsibilities
- Develop, together with the supervisor a plan/strategy on building a balanced risk portfolio, to meet Targets / Budget
- Identify potential clients for both savings and loan products and look for new opportunities with existing clients.
- Market EFC’s products to individuals and firms and promote services that meet customers’ needs
- Carry out an inventory of all eligible businesses in the respective branch catchment area
- Analyze loan applicants’ financial status, credit, and do property evaluations to determine feasibility of granting loans.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Stay abreast with new types of loans and other financial services and products in order to better meet customers’ needs.
- Participate in the branch loan recovery committee and ensure full recovery of past due loan repayments.
- Provide Credit Analysts/Credit Committee`s with a complete loan file in order to facilitate credit decision making and disbursement.
- Monitor the quality of the loan portfolio against identified risk profile. Follow up all delinquent loans to ensure they are recovered.
- Adhere to policies and procedures at all stages of loan processing.
Qualifications /Requirements
- Diploma in any discipline, Full Grade 12 certificate with 5 credits (Mathematics and English inclusive)
- At least 3 years experience in a similar role
- Basic computer skills: mainly excel
- Business Management and Credit analysis skills
- Analytical skills and logical reasoning
- A good feeling for numbers
- Excellent public relations skills
- Willingness to work in the field, sometimes for long hours