Client Relationship Officer - Advans Ghana Savings and Loans

The Client Relationship Officer is primarily responsible for prospecting for clients, appraising loan clients, and monitoring and developing his/her loan and deposit portfolio.

He/she will also be responsible for developing the savings and deposits portfolio for the target groups

MAIN DUTIES AND RESPONSIBILITIES

Commercial Activities

• Organize prospecting and communication actions in the zone of intervention (Organize prospecting and communication actions in the zone of intervention (markets and commercial areas) by collaborating with his/her colleagues and other staff of the institution.
• Introduce Advans Ghana products and services to the target population
• Follow-up the prospects by regular contact with the identified potential clients 
• Propose new products and services to his/her current clients
• Identify client's needs and propose new products/services to the management
• Encourage clients to open deposit accounts and meet targets
• Ensure that each customer receives outstanding service by providing a friendly environment, which includes greeting and acknowledging every customer, maintaining outstanding standards, solid product knowledge and all other aspects of customer service.
• May be tasked to lead in the organisation and implementation of group prospection and other commercial activities.

Loan Activities

• Assist the clients with loan applications.
• Conduct loan appraisal and collect detailed information (personal, business, guaranties) on the field.
• Present the loan request to the loan committee.
• Monitor the loan portfolio and ensure a timely repayment.
• Organize recovery actions in case of late repayment.
• Maintain regular contact with clients by organizing visits to the field.
• Become a respected and active stakeholder in the intervention zone by spending most of the time on the field and creating a trusty relationships with small businessmen/women.

Administrative Activities

• Keep complete and detailed documentation on each client
• May be tasked to assist in the organisation of the branch’s loan committees.
• May be required to assist in on-the-job coaching of new CROs.

Organization and Control

• Prepare weekly planning with expected tasks and visits to be done.
• Share information and best practices with staff.
• Report all the issues related to the job to the immediate supervisor.
• Analyse the client portfolio by using operational reports.

 Performance Criteria

The Client Relationship Assistant shall demonstrate:

• Ability to meet objectives (quantitative and qualitative) determined by the operations department and branch manager.
• Ability to represent Advans Ghana in the branch by demonstrating professionalism and dynamism.
• Ability to respect policies and procedures.
• Ability to manage the information by using the MIS and keeping records in  client files
• Good communication skills.
• Good drive for initiatives.
• Ability to deliver clear, transparent and accurate information to clients.
• Ability to manage the information by using the MIS and keeping records in the client files.
• Ability to become a key stakeholder in the intervention zone.
• Ability to adapt the communication depending on the type of clientele by speaking local languages and adapting the level of language
• Ability to manage the information by using the MIS and keeping records in the client files.
• Ability to become a key stakeholder in the intervention zone.
• Ability to adapt the communication depending on the type of clientele by speaking local languages and adapting the level of language

GENERIC ACTIVITIES

• Prospection, client/guarantor visits, loan disbursement, recovery