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Relationship Officer – Business Banking

Full Time


To grow and retain a portfolio of SME customers by performing a proactive, mobile, value adding financial partnership role, ensuring that a full array of customised and relevant financial solutions and services tailored to meet the growth needs and potential of the customers are provided.


Customer Experience

  1. Understand the customer – both its operations and the sector it operates in order to provide relevant tailored solutions.
  2. Drive customers to adopt digital platforms to reduce customer friction and service latency.
  3. Interact frequently and closely with all customers to analyze and establish ongoing needs and to assist customers to better understand their financial requirements.
  4. Accurately and efficiently process customer mandates/ documentation requirements.
  5. Demonstrate customer obsession, by ensuring the customer is central to everything.
  6. Ensure customer queries and service requests are done within the shortest possible time.
  1. Develops and maintains good relationship with all clients

Sales Growth

  1. Develop and implement a customer-calling schedule to visit all customers in the portfolio.
  2. Conduct a full customer value analysis on customers with the view of understanding customers’ businesses and identifying opportunities to bank their ecosystem.
  3. Develop and manage a pipeline of new customers to join Affinity.
  4. Offer solutions (lending, transactional and investment) to customers based on their need.
  5. 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.
  6. Coordinate with Hub supervisor and Hub coordinator to schedule sales programs and promotion for new markets.
  7. Ensure customers are effectively onboarded and retained through their life cycle with Affinity.

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

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. Motivate and process non-pre-qualified credit applications.
  4. Notify customers regarding the approval/ decline of credit facilities.
  5. 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.
  6. Provide first-level defense against deterioration of loan portfolio.
  7. Ensure all covenants/conditions are met by customer before disbursement and on an ongoing basis


  1. Strong selling and relationship management skills
  2. Critical thinker with excellent analytical skills
  3. A ardent and creative problem-solver
  4. Excellent planning skills to ensure effective planning of the portfolio
  5. Customer-oriented with an ability to empathise with customers in every situation.
  6. A strong network
  7. Strong commercial awareness to ensure portfolio is delivering value to the organisation.
  8. Pays attention to details.
  9. Very decisive and taking ownership
  10. Curious mind with a strong desire to learn and adapt to situations
  11. Digitally-savvy and a strong desire for driving financial inclusion through digital technology
  12. A good understanding of analysing financial statements and credit risk management
  13. Strong quantitative thinking skills


  1. Minimum of a bachelor’s degree in any area from a recognised and accredited institution
  2. At least three (3) years’ experience in relationship management in the SME segment
  3. At least one (1) year experience in a credit /risk environment


Banking / Savings and Loans Experience(Required)
Have you ever worked in a Bank or Savings & Loans company before? DO NOT LIE.
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