Individual Sales Officer Job at Urwego Bank Plc – Career Opportunity in Rwanda

Vacancy title:
Individual Sales Officer

[ Type: FULL TIME , Industry: Nonprofit, and NGO , Category: Sales & Retail ]

Jobs at:

Urwego Bank Plc

Deadline of this Job:
30 November 2020  

Duty Station:
Within Rwanda , Kigali , East Africa

Summary
Date Posted: Wednesday, November 18, 2020 , Base Salary: Not Disclosed


JOB DETAILS:
Urwego Bank Plc is dedicated to providing financial services to the people of Rwanda. Motivated by Jesus Christ’s call to serve those in need. Its mission is to achieve economic spiritual transformation in the lives of the underserved, using financial services and tested trainings as we share Jesus Christ’s love. Urwego Bank wishes to recruit (4) qualified, competent, committed, and proactive Individual Sales Officers to support the sales business of Urwego bank Plc Kigali Branches
Job Title: Individual Sales Officer Department: Service Delivery Department
Reporting to: Sales Team leader
Directly Supervises: None
Location: Kigali

JOB SUMMARY.
Individual Sales Officers are expected to develop and manage a portfolio for individual clients with minimum supervision to achieve growth targets as well as maintain excellent portfolio quality. The Individual Loan Officer acquire new clients, ensure the checklist is filled properly, and should produce a credit analysis to the MCC or BCC requesting approval. Must also ensure that they provide reliable and quality customer service in a way that promotes Urwego’s entire business and enhances transformation in clients’ lives. .

RESPONSIBILITIES
Promote and fulfill Urwego Bank’s 3Ms as listed above while working within a Christ-centered environment that is mission-driven, community-oriented, and results-driven.
Spiritual Integration and Christian Witness
• Ensure a personal, healthy spiritual balance within the family, work, and church life through the adoption of biblical personal and spiritual disciplines; and • Conduct daily work, make decisions, and help Urwego Bank make decisions in a way that witnesses to the presence, power, and love of Jesus and the reality of his Kingdom on earth. • Competencies
• Customer Orientation – Embodies a strong customer orientation and seeks new and better ways to serve end clients.
• Good Communicator – Communicates well, both verbally and in writing. Effectively conveys and shares information with others. Presents ideas clearly and concisely.
• Interpersonal Skills – Maintains positive working relationships with individuals and teams at all levels of the organization.
• Compliance to Policy and Procedure – Maintain a copy of the valid policy and procedure manuals for the critical processes associated with service delivery.
• Regulatory Alignment – Ensure adequate knowledge of regulatory requirements on account opening and general banking operations.

QUALIFICATIONS
• Personal confession of Christian faith and commitment to the mission of Urwego Bank.
• Bachelor’s degree in business, economics, or related field;
• 2 or more years of experience in microfinance, banking, or financial services sector;
• Experience in customer service operation, complaint, and conflict management.


Individual Sales Officer Major Area Of Focus:
• Market and Business Development of Individual Loan Products to achieve growth targets
• Proactively identify potential loan clients, as well as potential depositors and follow them through until a deal is closed with Urwego
• Educate Individual business owners in the area of Urwego’s products and services and ensure all potential clients understand their responsibilities attached to a loan.
• Collect, verify, and update all client information and perform a comprehensive assessment of a potential client.
• Make objective recommendations on a potential client’s character, creditworthiness, and paying capacity to the credit committee.
• Ensure loans are processed in a timely manner according to the agreement, customer needs, and bank lending policies.
• Monitoring and recovery of delinquent loans from the Portfolio at Risk from one day to 90 days, but focusing on early-stage delinquency management (1-30 days)
• Maintain comprehensive records on all clients and submit timely reports (e.g., client exits, warning letters, visit reports, rescheduling request, etc.)
• Monitor usage of loans by clients to ensure regular loan payments and maintain Superior Levels of Customer Delight
• At all times, treat prospective and actual clients with respect, integrity, stewardship, and commitment to the poor in line with Urwego’s core values.
• Act as liaison between clients in the fields and the Sales Team Leader or Branch Manager, giving client feedback and providing recommendations on improving products to be more client focused.
• Handle any other task assigned by the Sales Team Leader or Branch Manager


Competencies
• Customer Orientation – Embodies a strong customer orientation and seeks new and better ways to serve end clients.
• Good Communicator – Communicates well, both verbally and in writing. Effectively conveys and shares information with others. Presents ideas clearly and concisely.
• Attention to details – Crosscheck, verify all information and data from clients, do a background check to ensure the client’s character and capacity has been assessed
• Interpersonal Skills – Maintains positive working relationships with clients, credit team, credit administration, and other support teams at all levels of the organization
• Compliance to Policy and Procedure – Maintain a copy of the valid policy and procedure manuals for the critical processes associated with your work such as credit policy, HR Manual, fraud detection guidelines and ensure compliance to those policies


Knowledge and Skills
• Basic experience and/or training in accounting, financial and/or credit analysis or related areas.
• Good mathematical skills, ability to calculate interest, commissions, percentages, etc.
• Knowledge of the microfinance industry and community development.
• Excellent negotiation, presentation, communication, and interpersonal skills.
• Knowledge of the economy/markets where Urwego is operating
• Intermediate skills in personal computer operation, word processing, and spreadsheet software.


QUALIFICATIONS
• Education and Experience
• Poses a Degree in Management, business administration, Finance, or another similar field
• At least 2 years’ experience in a bank or an MFI institution as An Individual loan officer or Marketing officer
• High-quality selling skills are a requirement
• Excellent written and verbal communication skills in English and including report writing.
• Excellent interpersonal, time management, and organizational skills
• Highly independent and driven by sales targets.
• Knowledge of MS Word, PowerPoint, and Excel is a plus


Work Hours: 8

 

Job application procedure
Interested and eligible applicants should submit the following documents to Urwego Bank Plc Head Office at Remera, Umuyenzi Plaza not later than 30th November 2020 at 5 pm.
Applications should be addressed to the HR Department
An application letter explaining your suitability for the position,
Curriculum vitae with 2 referee names,
Degree Certificate, and additional certificates if any.
Recommendation from your Church with a validity of not less than 6 Months Signed Statement of Faith.
Copy of ID
Only selected candidates will be contacted for the test.
Thank you.
Urwego Bank PLC
Management


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