Job Description
• A Personal Banking Officer is responsible for acquiring, managing, and growing customer relationships while promoting the bank’s products and services to meet deposit, loan, and profitability targets.
Essential Functions / Key Responsibilities
Customer Acquisition & Relationship Management:
• Source and onboard new individual and business customers.
• Build, nurture, and maintain strong relationships with existing account holders.
• Conduct regular customer site visits and ongoing follow-ups.
Deposit Mobilization:
• Drive growth across savings, current, and fixed deposit accounts.
• Consistently meet or exceed assigned deposit mobilization targets.
• Formulate and execute strategies to attract low-cost deposits.
Loan Generation & Portfolio Monitoring:
• Identify potential borrowers and market the bank's credit/loan products.
• Perform preliminary credit assessments and financial evaluations.
• Monitor loan repayments to preserve portfolio quality.
• Actively follow up on overdue loans and support debt recovery efforts.
Cross-Selling & Business Development:
• Cross-sell digital banking products, fixed deposits, and other financial services to increase customer product penetration.
• Identify new market opportunities, generate quality leads, and participate in community and market outreach events.
Customer Service & Operational Compliance:
• Address customer inquiries and resolve complaints promptly to ensure high satisfaction.
• Strictly adhere to KYC (Know Your Customer), AML (Anti-Money Laundering), and regulatory requirements.
• Maintain complete documentation for account opening and loan applications while safeguarding customer data confidentiality.
Reporting:
• Prepare daily, weekly, and monthly performance reports tracking sales activities, deposit growth, and loan portfolio performance.
Qualifications & Requirements
Educational Qualification:
• Degree: Bachelor’s Degree or HND in Banking & Finance, Business Administration, Economics, Marketing, Accounting, or a related discipline.
• Certifications: Professional certifications in banking or finance are an added advantage.
Experience:
• 1–3 years of relevant experience in banking, microfinance, sales, or relationship management.
• Direct experience in deposit mobilization and credit marketing is highly desirable.
Skills & Competencies:
• Strong sales, marketing, and negotiation abilities.
• Solid relationship management and customer service orientation.
• Basic knowledge of credit analysis and financial assessments.
• Proven ability to work under pressure and achieve set targets.
• Strong understanding of microfinance/banking products and services.
• Proficiency in Microsoft Office applications.
