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Relationship Officer- Portfolio Quality Management Job Bank of Africa 

Banking Jobs. Bank of Africa Jobs

  • Develop and implement proactive strategies to prevent portfolio deterioration, including early intervention and customer outreach.
  • Ensure the timely collection of outstanding debts by regularly communicating with clients.
  • Analyze customer financial data and account activity to assess credit risk and potential for delinquency.
  • Collaborate with business teams for Corporate/Key SME accounts identified as having a high risk of deterioration by conducting calls or visits
  • Track collection efforts, report on progress, and identify opportunities to improve collection processes.
  • Maintain consistent and effective communication with customers throughout the collection process.
  • Maintain a strong understanding of bank policies and collection regulations.
  • Work collaboratively with other departments (e.g., legal) to ensure efficient resolution of delinquent accounts and contribute to overall asset quality maintenance.

Competencies and Attributes

  • Ability to establish effective rapport with debtors, responsible relatives, and other parties to obtain information and elicit cooperation.
  • Ability to independently evaluate information and initiate action within prescribed guidelines.
  • Ability to establish and maintain accurate records and files.
  • Ability to understand, apply and explain pertinent laws and procedures concerning collections.
  • Ability to gather and present information in legal proceedings to procure legal judgments.
  • Proactive and results-oriented:
  • Takes initiative to identify and address potential issues before they escalate.
  • Strong communicator: Clearly conveys information, negotiates effectively, and builds rapport with customers.
  • Empathetic and assertive: Understands customer challenges while firmly advocating for bank’s interests.
  • Analytical and problem-solver: Analyzes financial data to assess risk and develop solutions for debt collection.
  • Team player: Collaborates effectively with ARMs and other departments to achieve common goals.
  • Bachelor’s degree in Business Administration, Finance, or a related field .
  • Minimum of 2-3 years of experience in loan collections or credit risk management.
  • Proven track record of successfully resolving delinquent accounts, recovering outstanding debts, and preventing portfolio deterioration.

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