Relationship Officer at Brisk Credit LTD

Role Summary:

Brisk relationship officer is responsible for lending and collections in his/her branch. RO will be responsible for new customer onboarding, business appraisal & collections. The RO will ensure to meet sales and collections target and are held responsible for the unit target.

Key Responsibilities:

• Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
• Achieving set disbursement, new customer, repeat loans and collection target.
• Collecting the needed KYC documentation and assessing the clients' credit worthiness as per the business.
• Calculating and analysing the risk ratios of clients based on their credit score and financial history.
• Leads collection, categorizing and communicating your decision to both clients and management.
• Setting up payment plans for clients explaining daily, weekly or monthly instalment amounts, interest rates, and other costs.
• Maintaining records of loan applications by using core banking system.
• Managing repeat & top up clients by organizing follow-up meetings with clients.
• Monitoring the progress of the loan repayments instalments and relaying any concerns to the clients.
• Ensuring that loan applications are in line with the company's SOP’s policies, as well as state laws and regulations.
• Ensure customers are well trained on the product and any other training that the company would like to offer to the customer.
• Ensure all Brisk customer are treated with dignity and all customer feedback either compliment or complaints are recorded.
• Ensure personal hygiene of the highest level by being neat and well presentable while conducting any business on or behalf of Brisk.

Qualifications, Skills and Experience:

• The applicant should preferably be holder of a Diploma/Bachelor Degree in any Business related feild of study.

Competencies and Personal Attributes:

• Strong interpersonal, management and demonstrable leadership skills.
• Analytical thinker who can recognize trends and opportunities.
• Excellent communication skills with people at all levels and backgrounds.
• Demonstrated ability to build cohesive teams to achieve goals through teamwork.
• Customer service orientation and commercial awareness.
• Utmost professional integrity.