UNION Savings and Loans Ltd, one of the oldest savings and loans companies in Ghana and is positioning itself to be among the three (3) top savings and loans companies by 2015 and a dominant universal bank by 2017.

Our mission is to provide rapid and suitable deposit, transaction, and lending services to individuals and businesses through high quality and satisfied employees, and modern technology.

Job Description

•   To acquire, manage and sustain a portfolio of SME clients, and develop long term relationships, founded on efficient and reliable delivery of services and support for their businesses.
•   This responsibility covers both new and existing clients and must be discharged in a professional manner to achieve a high degree of client satisfaction. The overall target of a client relationship officer is to achieve a growing and quality loan and deposit portfolios, and income-generating transactions from those portfolios.

Description of Specific Responsibilities

•   Implement effective demand acquisition efforts.
•   Provide professional advice and information to  business clients on loans, deposits, transactions and investments(cross selling)
•   Determine clients’ needs and propose most appropriate products and services to meet such needs, ensuring that solutions are implemented on time.

Credit Analysis

•   Gather relevant client information for conducting good credit analysis, and prepare good proposals for decision making. Average time for completing credit analysis should not exceed 3 working days.

Portfolio Quality Management

•   Conduct regular monitoring (financial, collateral) of the business(es) of clients in accordance with credit committee decisions.
•   Ensure full settlement of all disbursed credit exposures according to the repayment plans.
•   Implement all Arrears/Risk Committee (and other Management) decisions to improve portfolio quality.

Training and Coaching

•   Attend all training programmes.
•   Training/Coaching of colleagues when needed

Qualification Required and Experience

•   First Degree or Higher National Diploma.
•   Minimum of one year working experience in a similar position.
•   Experience in sales and relationship management.
•   Good Understanding of financial statements.
•   Good knowledge and skills in Microsoft applications.
•   Good communication ( verbal and written)skills
•   Strong analytical, technical and problem solving skills.
•   Professional and ethical with confidential information.
•   Strong communication and interpersonal skills and presentation abilities.
•   Committed, responsible and able to work under pressure and limited time frames.
•   Ability to carry out work independently and also a team player
•   Good planning and organizing skills.

Location: Accra

How To Apply For The Job

Please submit a detailed CV together with names and contact details of at least two referees by Friday, January 31, 2014. All applications should be sent to:

jobs@unionbanking.com.gh

The “subject” to the mail MUST read “Client Relationship Officer Job”.

Closing Date: 31 January, 2014