Advans Ghana Savings and Loans Limited Vacancies 2019

Advans Ghana Savings and Loans is a rapidly growing International Institution with 19 Branches in Ghana.

Job Description

Job Title: Client Relation Officers

• Location: MANKESSIM and its environs
• Department: Operations Department
• Level: O1
• Direct Manage: (Deputy) Branch Manager/ Team Leader /Branch Manager

Job Purpose:

• The Client Relationship Officer is responsible for prospecting for clients, appraising loan clients, monitoring and developing his/her loan and deposit portfolio
• He/she will also be responsible for developing the savings and deposits portfolio for the target groups

Main Duties And Responsibilities

Commercial Activities

• Organize prospecting and communication actions in the zone of intervention (Organize prospecting and communication actions in the zone of intervention (markets and commercial areas) by collaborating with the his/her colleagues and other staff of the institution.
• Introduce Advans Ghana products and services to target population
• Follow-up the prospects by regular contact with the identified potential clients
• Propose new products and services to his/her current clients
• Identify clients’ needs and propose new products/services to the management
• Encourage clients to open deposit accounts and meet targets
• Ensure that each customer receives outstanding service by providing a friendly environment, which includes greeting and acknowledging every customer, maintaining outstanding standards, solid product knowledge and all other aspects of customer service

Loan Activities

• Assist the clients for loan application.
• Conduct loan appraisal and to collect detailed information (personal, business, guaranties) on the field.
• Present the loan request at the loan committee.
• Monitor the loan portfolio and to ensure timely repayment.
• Organize recovery actions in case of late repayment.
• Maintain a regular contact with clients by organizing visits on the field.
• Become a respected and active stakeholder in the intervention zone by spending most of the time on the field and creating a trusty relationship with small businessmen/women.

Administrative Activities

• Keep complete and detailed documentation on each client

Organization and Control

• Prepare a weekly planning with expected tasks and visits to be done.
• Share information and best practices with staff.
• Report all the issues related to the job to immediate supervisor.
• Analyse the client portfolio by using operational reports.

Performance Criteria

The Client Relationship Assistant shall demonstrate:

• Ability to meet objectives (quantitative and qualitative) determined by operations department and branch manager.
• Ability to represent Advans Ghana in the branch by demonstrating professionalism and dynamism.
• Ability to respect policies and procedures.
• Ability to manage the information by using the MIS and keeping records in client files
• Good communication skills.
• Good drive for initiatives.
• Ability to deliver clear, transparent and accurate information to clients.
• Ability to manage the information by using the MIS and keeping records in the client files.
• Ability to become a key stakeholder in the intervention zone.
• Ability to adapt the communication depending on the type of clientele by speaking local languages and adapting the level of language
• Ability to manage the information by using the MIS and keeping records in the client files.
• Ability to become a key stakeholder in the intervention zone.
• Ability to adapt the communication depending on the type of clientele by speaking local languages and adapting the level of language

Generic Activities: Prospection, client/guarantor visits, loan disbursement, recovery

Challenges: Deal with difficult clients

Required Skills or Experience

• Minimum required education level: At least an HND, Bachelor’s Degree and other professional qualifications.
• Specific training required : CRO’s induction Training

Required experience (work field and number of years)

• A minimum of one (1) year working experience (National Service inclusive). Good mathematical ability, market appraisal skills and knowledge in accounting. Practical knowledge of micro/small businesses and market environment is an advantage

Interpersonal  Relation:

• Internal relations: Branch staff / Head Office departments
• External relations: Clients

Career Path:

• Horizontal mobility: Recovery officer, Customer Service Officer, Back Office Officer, Risk Officer etc
• Vertical mobility: Client Relationship Officer (Senior), Team Leader/Deputy Branch Manager, Branch Manager, Operations Department and other supervisory departments in Head Office

How to Apply

Applications should be sent to  [email protected].