Relationship Officer at Keystone Bank

Keystone Bank is recruiting :

Job Tittle: Relationship Officer

Job Discription

  • To build and cultivate relationships with potential/existing customers and translate those relationships into profitable business for the Bank

Duties And Responsibilities

  • Act on behalf of and perform other tasks as assigned by the Branch Manager
  • Analyze and screen applications for credit based on the Bank’s credit risk procedures
  • Assist customers in the account opening process
  • Contribute to the formulation and implementation of strategies necessary to acquire and sustain accounts in the commercial sector of the market
  • Ensure timely resolution of customer complaints and issues
  • Identify customer needs/buyer values and proactively seek to provide products/ services to meet the identified needs
  • Initiate and carry out recovery action on non-performing credit facilities on assigned accounts
  • Maintain a comprehensive database of existing relationships/prospects
  • Manage assigned credit portfolio and monitor the quality of existing credit relationships on a continuous basis
  • Participate in regional and other team meetings
  • Prepare monthly activity and performance reports for Regional Manager’s attention
  • Regularly contact customers via telephone calls and physical marketing visits to obtain feedback on service quality and customer satisfaction levels
  • Review applications for credit facility (in line with the Bank’s policy) and make appropriate recommendations/decisions.

Key Performance Indicators

  • % of loan recovery
  • % of retained customers
  • CASA, Tenored, PBT achievement against Target
  • Customer satisfaction index
  • Dormant/Inactive account ratio
  • Loan loss Provision/Total Loans and Advances
  • Number of Performing/Non-performing Loans and Advances
  • Quality of credit portfolio maintained
  • Quality of customer base
  • Revenue/customer growth rate.


  • First Degree from a reputable University
  • A relevant post graduate qualification or higher degree (e.g. MBA) would be an added advantage
  • Membership of a relevant professional management body would be an added advantage
  • Knowledge of basic products and services in the Financial Services Industry
  • Possession of basic listening skills to understand customer requests
  • Ability to provide prompt, accurate and complete resolution to general
  • Requests and directs technical queries to the most appropriate solution provider
  • Excellent communication and interpersonal skill
  • Interpersonal and communication Skills
  • Computer Appreciation
  • Customer service orientation
  • Negotiation Skills

Application Closing Date
1st August, 2013

Method of Application

Qualified candidate should APPLY

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