Equity Bank is hiring a Relationship Officer – Pamoja Banking skilled in relationship management, community banking, and portfolio growth.
Job Purpose:
Reporting
to the Relationship Manager Business, the Relationship Officer- Pamoja Banking
has the responsibility to manage and coordinate all the groups under
him/her to ensure the bank’s goals and objectives are achieved.
Responsibilities:
Stakeholder
Engagement and Outreach:
- Hold consultative meetings with stakeholders (e.g., Chiefs, market
opinion leaders) to arrange meetings with potential clients (groups).
- Prepare keynote messages for forums to promote the Pamoja banking
value proposition.
- Manage inquiries on Pamoja banking at the branch and in the
marketplace.
Group
Onboarding and Training:
- Identify and select qualifying groups from the market.
- Support groups in registering with relevant government offices and
obtaining KYC documents for account opening.
- Set up group structures, maintain records, and train group
officials. o Conduct pre-registration and post-registration training for
groups.
- Deliver training to group members at their convenience.
Deposit
Mobilization and Documentation:
- Enforce weekly savings contributions and ensure proper documentation
at the group level (e.g., treasurer’s ledger, group minutes, passbooks).
- Mobilize deposits through weekly savings collections.
Loan
Processing and Compliance:
- Conduct business and home visits to verify borrowers’ ability to
pay, collect financial information, and confirm securities pledged.
- Compile credit proposals for discussion at the Branch Credit
Committee (BCC) and present group client requests for approval
- Onboard groups and group members in the IGLS system and generate
relevant reports.
- Initiate group loan requests and manage end-of-day postings in the
IGLS system.
- Perform data cleanup of exited and dormant customers from the IGLS
system.
- Ensure compliance with credit policies and train branch staff on any
amendments in the Pamoja banking product offering.
Portfolio
and Relationship Management:
- Manage and maintain the quality of the loan book through
post-disbursement visits, weekly collection of savings and loan payments,
and enforcing co-guarantee mechanisms in groups.
- Establish working group structures and enforce the five pillars of
stable groups.
- Ensure timely loan approval and disbursement within SLAs.
Customer
Recruitment and Segment Growth:
- Recruit new-to-bank customers and actualize segment partnership
objectives to align with sector growth objectives.
Qualifications and
Experience:
- University degree in a Business-Related Course, Education, Social
Sciences or Diploma in business related course.
- Overall C+ in KCSE and C+ in mathematics
- 2-3 Years’ experience
- Sales experience is an added advantage.
- Experience in micro finance industry is an added advantage.
- Experienced in project management; Monitoring and evaluation is an
added advantage.
- Computer literacy with high command in Microsoft suite.
Key Skills and
Competencies:
- Exhibits an exceptional degree of ingenuity, creativity, and
resourcefulness.
- Excellent business relationship management skills and business
closure techniques.
- Ability to develop, plan, execute and implement according to laid
business strategies.
- Excellent interpersonal skills and demonstrated conflicts resolution
skills.
- Strong training /coaching skills
- Strong communication, presentation, and negotiation skills
- Strong analytical and problem-solving skills
How to Apply
