Relationship Manager

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