Advans Ghana Job Vacancy For Client Relationship Officers

Job Description

• Location: MANKESSIM and its environs
• Department: Operations Department
• Level: O1
• Direct Manage: (Deputy) Branch Manager/ Team Leader /Branch Manager 

• The Client Relationship Officer is responsible for prospecting for clients, appraising loan clients, 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

• 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 the his/her colleagues and other staff of the institution. 
  • Introduce Advans Ghana products and services to 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 clients’ 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
• Loan Activities
•  
  • Assist the clients for loan application.
  • Conduct loan appraisal and to collect detailed information (personal, business, guaranties) on the field.
  • Present the loan request at the loan committee.
  • Monitor the loan portfolio and to ensure timely repayment.
  • Organize recovery actions in case of late repayment.
  • Maintain a regular contact with clients by organizing visits on 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 relationship with small businessmen/women.
• Administrative Activities
•  
  • Keep complete and detailed documentation on each client

• Organization and Control
•  
  • Prepare a 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 immediate supervisor.
  • Analyse the client portfolio by using operational reports.
• Performance Criteria

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The Client Relationship Assistant shall demonstrate:

• Ability to meet objectives (quantitative and qualitative) determined by 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

Required Skills or Experience

• Minimum required education level: At least an HND, Bachelor’s Degree and other professional qualifications. 
• Specific training required : CRO’s induction Training 

Required experience (work field and number of years)

• A minimum of one (1) year working experience (National Service inclusive). Good mathematical ability, market appraisal skills and knowledge in accounting. Practical knowledge of micro/small businesses and market environment is an advantage

Interpersonal  Relation:

• Internal relations: Branch staff / Head Office departments
• External relations: Clients

Career Path:

• Horizontal mobility: Recovery officer, Customer Service Officer, Back Office Officer, Risk Officer etc
• Vertical mobility: Client Relationship Officer (Senior), Team Leader/Deputy Branch Manager, Branch Manager, Operations Department and other supervisory departments in Head Office