Business Credit Officer BCO -AFL5

Job summary

The Business Credit Officer (BCO) mobilises quality loans to grow the loan portfolio at Affinity. They onboard grow and retain a portfolio of SME customers by providing proactive mobile value adding financial partnership to SME customers. The BCO builds good pipelines that transcend into quality loans and monitors the loans until pay off.

About Affinity

Affinity is a digitally driven financial institution that provides affordable services to the underserved and unbanked. We have built channels for both digital natives and low fidelity users enabling us to provide banking services 24/7 to the mass market at a low cost.

Skills :

Customer Experience

1. Understand the customer both their operations and the sectors they operate to provide relevant tailored financial solutions.
2. Drive customers to adopt digital platforms to reduce customer friction and service latency.
3. Accurately and efficiently process customer mandates/ documentation requirements.
4. Demonstrate customer obsession by ensuring the customer is central to everything.
5. Develops and maintains good relationship with all clients.

Sales Growth

1. Develop and implement a customercalling schedule to visit all customers in the portfolio.
2. Develop and manage a pipeline of new customers to join Affinity.
3. Offer lending solutions to customers based on their need.
4. Ensure that products/solutions offered to customers are fit for their needs and the customers understand the workings of the products as well as pricing. Avoid mis selling.
5. Ensure customers are effectively onboarded and retained through their life cycle with Affinity.

Credit Risk Management

1. Plan and implement annual credit reviews for the portfolio.
2. Support customers in the completion of credit application information requirements.
3. Notify customers regarding the approval/ decline of credit facilities.
4. Monitor of daily customer activities (leveraging on tools provided) to ensure that client facilities are managed within the parameters set by Risk. Exercising discretion regarding account conduct based on a close knowledge and understanding of customer activities.
5. Provide firstlevel defence against deterioration of loan portfolio.
6. Ensure all covenants/conditions are met by customer before disbursement and on an ongoing basis.

Compliance and Regulatory

1. Ensure that all KYC and AML requirements and documents are accurate and documents (prior to account opening and on an ongoing basis) adequate for all customers in portfolio.
2. Use customer information proactively in the prevention of fraud.