Centenary Bank
PERSONAL BANKER – (BUSINESS AND INDIVIDUAL LENDING)
5 Positions:
Lilongwe – 2 Positions
Mzuzu – 1 Position
Kasungu – 1 Position
Blantyre – 1 Position
Job Purpose:
Build and maintain a healthy portfolio of micro and small enterprise clients. Identify, process, and monitor new and existing clients. Ensure accurate loan appraisals, evaluations, and the efficient follow-up of arrears/delinquent clients and the provision of strong client service. Maintain up-to-date client records and reports.
Duties and Responsibilities:
Promotion of products and services and origination of new clients
- Build and maintain a portfolio of quality clients rapidly and consistently to reach target portfolio within assigned period.
- Liaise with community organizations, business associations, and individual entrepreneurs:
- Implement promotion campaigns and promotional sessions/meetings for sourcing clients;
- Sensitize potential clients on all aspects of account opening and the loan processes, products and policies and procedures on how to become a Centenary Bank client.
- Sensitize potential clients on the terms and conditions, the incentives for good performance, and conditions for late repayment and default.
- Conduct loan evaluations according to policies and procedures
- Develop an accurate evaluation of each client’s capacity and willingness to repay the requested loan.
- Correctly complete loan application and evaluation forms;
- Arrange and undertake business site visits;
- Verify and cross-check all information relevant to the loan application and evaluation;
- Evaluate the willingness and capacity to repay of the client:
- Ensure an appropriate guarantee or collateral is in place and documented;
- Determine and present loan terms and conditions to credit committee (CC).
- Participate in credit committees providing input on other members’ loan proposals;
- Prepare and present own loan proposals to credit committee.
Provide high-quality customer service
- Develop relationship with each client to support the business success and cultivate loyalty.
- Monitor client business progress to identify any potential problems;
- Offer suggestions and referrals where appropriate and within company policy;
- Demonstrate a concern and build client rapport.
Manage and recover Late Loan repayments
- Implement late repayment recovery procedures of Centenary Bank
- Achieve and maintain targets on portfolio at risk and loan loss.
- Emphasize the importance of on-time repayment with clients.
- Monitor repayment reports daily and client behavior patterns.
Build community rapport
- Become knowledgeable and known in the assigned geographic zone.
- Build rapport with community, business associations and leaders in his/her geographical zone.
- Be known and visible in the community.
- Develop goodwill of community towards Centenary Bank
Portfolio administration
- Efficiently and accurately complete all forms and administrative steps required to manage the Loan portfolio and contribute to the smooth operation of CENTENARY BANK.
Qualification, Knowledge, Skills and Abilities
- A degree in Business Administration, Banking, Finance, Agriculture, or related fields. Excellent computer literacy and experience with Microsoft Office applications, especially Excel. Applicants with a Diploma and over 5 years of practical experience are also encouraged to apply.
- Experience in the Banking profession in sales or Marketing is a plus
- Those with Motorcycle riding license will have an added advantage
- Strong written and oral communication skills
- Strong interpersonal skills
- Good time management and planning skills
- Able to work as part of a team
- Service orientation and strong Customer focus
- Honesty and Integrity
Applications for the Position:
Applications with Curriculum Vitae (both cover letter and CV should be saved in one PDF file) should be emailed to: recruitment@centenarybank.co.mw
Please indicate on the email subject line the position you are applying for.
The closing date for the receipt of applications is Sunday, 9th February, 2025.
Only shortlisted applicants will be acknowledged.