Relationship Officer – Personal Lending & Mortgages

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Relationship Officer – Personal Lending & Mortgages

  • Post Date:March 1, 2022
  • Views 636
0 Applications
  • Career Level Officer
    Qualification Degree
    Experience 3-5 Years
  • Industry Banking
Job Description

Business Unit: Retail & Business Banking
Geographical Area: Zimbabwe
Department: Retail & Business Banking
Vacancy Manager: Mortgages & Retail Lending Manager

Purpose of the job

Managing the growth of the BancABC Retail Lending & Mortgages Portfolio through driving sales, managing client relationships and preserving the quality of Group Loan Scheme and non-scheme Individual loans portfolio.

Main Focus Areas

Ensure the long-term prosperity of the business

  • Develop, manage and maintain a profitable portfolio of Retail Personal Loans and Mortgages (Group Loan Scheme and nonscheme loans).
  • Continuously assess and report on risks associated with the bank’s personal lending and mortgages businesses.
  • Participate in the formulation and review of the retail lending and mortgages strategy.
  • Manage the retail lending and mortgages product development process.
  • Recommend and obtain approvals for changes in product parameters to in line with market conditions and to support retail lending and mortgages strategy.
  • Recommend retail lending processes improvements and reviews.
  • Manage the asset quality of retail loans and mortgages.
  • Manage internal and external stakeholders to ensure sustained and enduring support.
  • Identify and recommend partnership or collaborative opportunities with internal and external stakeholders.

Ensure good levels of customer service

  • Employ and manage an effective customer relationship management system for the assigned retail lending space.
  • Employ and manage an effective customer feedback mechanism for the assigned retail lending space.
  • Timeous and correct resolution of customer queries and complaints
  • Effective tracking of Group Loan Scheme and non-scheme Individual loans applications to attain desired turnaround times.
  • Manage Service Level Agreements.

Meet financial targets

  • Manage the acquisition and retention of a profitable retail loans and mortgages (Group Loan Scheme and non-scheme) loans portfolio within assigned product categories and/or territories.
  • Manage the quality of assigned retail loans and mortgages loans (Group Loan Scheme and non-scheme) portfolio as measured by the levels of provisions and NPL ratios for the assigned product categories and/or territories.
  • Cross sell group products and services.
  • Recommend and implement appropriate marketing campaigns Delivery of the financial plan and achievement of business objectives and targets.

Qualifications and Work Experience

  • B.Com, BA or BSc or equivalent in Accounting, Business Studies, Economics, Marketing or related field
  • A minimum of 3 years’ experience in a Relationship Management or similar role preferably in a retail lending or mortgages environment.
  • Broad knowledge of financial products and services, financial markets and economic environments.
  • Broad knowledge of the evolving retail lending environment.
  • Knowledge of the financial services and lending related operational and regulatory environment.
  • Ability to research and aggressively source new business through own initiatives.
  • Demonstrated ability to network and build own portfolio of contacts to maximize referral network.

Skills and Competencies:

  • Sales skills
  • Interpersonal and communication skills
  • Analytical Skills
  • Credit analysis and management skills
  • Operational Risk management skills
  • Stakeholder management skills

Interested applicants who meet the job requirements should e-mail their CVs to [email protected] with the Heading: “Relationship Officer-Personal Lending & Mortgages”.

APPOINTMENTS WILL BE MADE IN COMPLIANCE WITH BancABC’s RECRUITMENT POLICY.

Closing date: 2 March 2022 @ 16:30hrs.