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