Relationship Officer – Business Banking
Full Time
2 Feb 2022
Verified by Turrior
Content + Source + Freshness • 12 Dec 2025 • 95% confidence
78 / 100
Offer value
This role presents considerable opportunities for career advancement within the banking industry while focusing on relationship management for SMEs.
- Significant role in SME portfolio management
- Opportunities for commissions based on performance
- Strong prospects for career growth
Pros
- Direct impact on client relationship and business growth.
- Potential for high commissions based on performance.
- Supportive environment for developing entrepreneurial skills.
Cons
- Sales targets may introduce high pressure.
- Intensive customer interaction can lead to stress.
- Requirement for adaptability to changing market conditions.
Who it's for
Mid-level to Senior • On-site
Good fit
- Experienced sales professionals in finance
- Candidates skilled in relationship management
- Individuals eager to positively impact SME client businesses
Not recommended for
- New graduates without sales experience
- Applicants preferring less customer engagement
- Those uncomfortable in a performance-driven environment
Motivation fit
Desire to build and maintain strong client relationships.Interest in sales-driven roles that reward performance.Ambition to grow within the business banking sector.
Key skills
Relationship managementSales strategy and executionCustomer serviceFinancial analysis
Score: 78/100 AI verified analysis
About the job
JOB SUMMARY
To grow and retain a portfolio of SME customers by performing a proactive, mobile, value adding financial partnership role, ensuring that a full array of customised and relevant financial solutions and services tailored to meet the growth needs and potential of the customers are provided.
KEY RESPONSIBILITIES
Customer Experience
- Understand the customer – both its operations and the sector it operates in order to provide relevant tailored solutions.
- Drive customers to adopt digital platforms to reduce customer friction and service latency.
- Interact frequently and closely with all customers to analyze and establish ongoing needs and to assist customers to better understand their financial requirements.
- Accurately and efficiently process customer mandates/ documentation requirements.
- Demonstrate customer obsession, by ensuring the customer is central to everything.
- Ensure customer queries and service requests are done within the shortest possible time.
- Develops and maintains good relationship with all clients
Sales Growth
- Develop and implement a customer-calling schedule to visit all customers in the portfolio.
- Conduct a full customer value analysis on customers with the view of understanding customers’ businesses and identifying opportunities to bank their ecosystem.
- Develop and manage a pipeline of new customers to join Affinity.
- Offer solutions (lending, transactional and investment) to customers based on their need.
- Ensure that products/solutions offered to customers are fit for their needs and the customers understand the workings of the products as well as pricing. Avoid mis selling.
- Coordinate with Hub supervisor and Hub coordinator to schedule sales programs and promotion for new markets.
- Ensure customers are effectively onboarded and retained through their life cycle with Affinity.
Compliance and Regulatory
- Ensure that all KYC and AML requirements and documents are accurate and documents (prior to account opening and on an ongoing basis) adequate for all customers in portfolio.
- Use customer information proactively in the prevention of fraud
Credit Risk Management
- Plan and implement annual credit reviews for the portfolio.
- Support customers in the completion of credit application information requirements
- Motivate and process non-pre-qualified credit applications.
- Notify customers regarding the approval/ decline of credit facilities.
- Monitor of daily customer activities (leveraging on tools provided) to ensure that client facilities are managed within the parameters set by Risk. Exercising discretion regarding account conduct based on a close knowledge and understanding of customer activities.
- Provide first-level defense against deterioration of loan portfolio.
- Ensure all covenants/conditions are met by customer before disbursement and on an ongoing basis
SKILLS AND REQUIREMENTS
- Strong selling and relationship management skills
- Critical thinker with excellent analytical skills
- A ardent and creative problem-solver
- Excellent planning skills to ensure effective planning of the portfolio
- Customer-oriented with an ability to empathise with customers in every situation.
- A strong network
- Strong commercial awareness to ensure portfolio is delivering value to the organisation.
- Pays attention to details.
- Very decisive and taking ownership
- Curious mind with a strong desire to learn and adapt to situations
- Digitally-savvy and a strong desire for driving financial inclusion through digital technology
- A good understanding of analysing financial statements and credit risk management
- Strong quantitative thinking skills
EDUCATION AND PROFESSIONAL TRAINING
- Minimum of a bachelor’s degree in any area from a recognised and accredited institution
- At least three (3) years’ experience in relationship management in the SME segment
- At least one (1) year experience in a credit /risk environment
