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JIUNGE NA GROUP/CHANNEL YETU YA TELEGRAM. BOFYA HAPA

Relationship Officer at NBC Tanzania

Job Position: Relationship Officer. 

Employer: National Bank Of Commerce. 

The bank is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking and wealth management products and services.


Related Job: Paramedic at Tindwa Medical And Health Services


Job Locations: Samora Branch NBC, Dar Es Salaam.

Job Purpose:

  • Provide a differentiated customer experience that supports NBC's value proposition by maintaining regular contact with customers to ensure overall satisfaction.
  • Manage the quality of assets and liabilities in the portfolio through pro-active monitoring of customers’ transaction trends and movement.
  • Acquire and manage relationships with small and medium business customers through a pro-active and consultative approach in line with NBC policies and procedures.
  • Utilize a customer focus approach to provide holistic financial solutions to basic and complex financial needs by understanding the customer's business process cycle.


Job Description​ and accountabilities:

1. Sales and Relationship Management (40%)

  • Maximize client profitability within agreed-upon targets by identifying, building, and deepening relationships with small and medium-sized businesses.
  • Business clients to gain incremental wallet share by offering solutions through a diverse range of products and services.
  • Provide value-added engagement, regular face-to-face meetings, and consistent communication with clients by conducting meetings with clearly defined objectives and a desired outcome.
  • With the support of product specialists, they intuitively recognize and understand clients’ business cycles and financial goals and needs and proactively provide holistic financial solutions.
  • Create and maintain a pipeline of business opportunities and proactively manage referrals to grow your asset and liability portfolio.
  • Develop and maintain a Customer Relationship Management Plan for the top 10 borrowing clients and the top 10 non-borrowing clients.
  • Maintain accurate and up-to-date records of all actual and attempted client-customer interactions.
2. Customer Service (20%)

  • Proactively and professionally manage client experience by providing appropriate answers regarding products and services.
  • Respond promptly to customer complaints and constantly provide regular feedback on unresolved issues.
  • Keep accurate records of discussions or correspondence with clients.
  • Effectively coordinate client relationships and activities with other departments within the bank.
  • Educate customers on the bank's products, services, and procedures.
  • Use client feedback to improve product and service offerings.

3. Compliance and Risk Management (20%)

  • Check and sign off on all loan applications and legal documents, accepting responsibility for the documents' accuracy and quality.
  • Review the portfolio on a monthly basis and ensure that all documentation requirements (KYC, AML, and Sanctions) are up to date, and escalate any unresolved KYC requirements to the relevant mandated holders.
  • Build awareness and comply with KYC, AML, and Financial Sanctions and Prohibitions of Business Activity policies.

  • Identify and communicate potential problem accounts and appropriate risk mitigating strategies by accessing excess reports on a daily basis, regular monitoring of client’s transactions.
  • Research, read, and network to keep abreast of developments in various industry or sector to ensure adequate industry knowledge and potential risks and or opportunities.
  • Manage down accounts without limits by submitting outstanding financials on time, following up on outstanding securities, and updating credit files on a regular basis.
  • Prompt response to reports of arrears or excess loans by calling clients and communicating resolutions within 24 hours.
  • Drive the credit review process (new and renewal) by submitting to the credit department all required documents (checklist, comprehensive call report, and renewal documents) 90 days before the facility's expiration date.

4. Team and Networking. (10%)

  • Attend daily branch meetings and knowledge sharing meetings.
  • Maintaining constant communication and information sharing with other departments (Retail and Corporate Credit, Corporate Banking, Retail Banking).
  • Attend local functions, community, governmental, and business development activities.
  • Develop and maintain contact with product specialists in other areas of the bank, including corporate banking, Treasury, and Retail Banking.
  • Provide feedback in the performance review of other members of the cross-functional team.

5. Self-Development (10%)

  • Comply and keep abreast of all policies, procedures, and circulars updates.
  • Ensure self-development pertaining to your career path to develop knowledge and skills.
  • Completed all critical compliance training and Perform all other responsibilities as assigned. 

Job Qualifications, Skills and Experience:

  • Bachelors Degrees and Advanced Diplomas in Business, Commerce and Management Studies, and Banking Knowledge.
  • Junior's commercial mindset and quality orientation.
  • Experience in a similar environment, product and/or Service Knowledge.
  • Sales Management and enabling team success. 

Note: All of the above must meet some of the requirements and would need further development. 

  • Digital familiarity must meet all of the requirements.


CLICK HERE TO APPLY

The deadline for submitting an application is September 8, 2022.


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