Job Details

Job Description

EFC ZAMBIA: RELATIONSHIP MANAGER
1. Position Title: Relationship Manager
2. Department: Operations
3. Job Grade: EFC 7
4. Reporting Officer: Branch Manager

5. Job Summary
The primary responsibility of a Relationship Manager is to disburse quality loans, develop and maintain a
quality loan portfolio and to ensure that the savings target is met, while ensuring that our clients
experience an excellent customer service.

6. Essential Duties and Responsibilities
1. Develop, together with the supervisor a plan/strategy on building a balanced risk portfolio, to
meet Targets / Budget
2. Identify potential clients for both savings and loan products and look for new opportunities with
existing clients.
3. Market EFC’s products to individuals and firms and promote services that meet customers’ needs
4. Carry out an inventory of all eligible businesses in the respective branch catchment area
5. Analyze loan applicants’ financial status, credit, and do property evaluations to determine
feasibility of granting loans.
6. Explain to customers the different types of loans and credit options that are available, as well as
the terms of those services.
7. Stay abreast with new types of loans and other financial services and products in order to better
meet customers’ needs.
8. Participate in the branch loan recovery committee and ensure full recovery of past due loan
repayments.
9. Provide Credit Analysts/Credit Committee`s with a complete loan file in order to facilitate credit
decision making and disbursement.
10. Monitor the quality of the loan portfolio against identified risk profile. Follow up all delinquent
loans to ensure they are recovered.
11. Adhere to policies and procedures at all stages of loan processing.
7. Qualifications /Requirements
1. Diploma in any discipline, Full Grade 12 certificate with 5 credits (Mathematics and English
inclusive)
2. At least 3 years experience in a similar role
3. Basic computer skills: mainly excel
4. Business Management and Credit analysis skills
5. Analytical skills and logical reasoning
6. A good feeling for numbers
7. Excellent public relations skills
8. Willingness to work in the field, sometimes for long hours

RELATIONSHIP MANAGER
Entrepreneurs Financial Centre (EFC) is a leading Microfinance Institution, licensed and regulated by the Bank of Zambia. For 30 years now, we have served and empowered entrepreneurs with tailor-made financial solutions to help them take the next step in their business.
OUR CORE VALUES
Our Core Values of Purpose, Accountability, Service, Stewardship, Integrity, Ownership, Novelty (PASSION) were carefully selected to reflect our passion and what we stand for as an organisation. These values underpin our Vision and Mission, and guide all our business activities, actions, and behaviours. All our business decisions are based on these values.

OUR CULTURE AND OUR WORK ENVIRONMENT
We are passionate about our business, the people behind our success, and our clients. We are a performance-driven and result-oriented organisation. Our culture of open communication and trust propels us to deliver strong results year in, year out. Our work environment is fast-paced and of high intensity, yet highly empowering and highly collaborative. We stretch and challenge every colleague to perform at their highest level and to the best standards and quality. Our reward and remuneration system strongly reflects the premium we place on high performance, and on attracting, developing, and retaining high performing talent.

OUR PHILOSOPHY ON PEOPLE
We are passionate about our people. In everything we do, we start with our people who take care of our clients, who in turn help us deliver sustainable returns for our shareholders. Therefore, we are intent on investing heavily in, and providing a thrilling and best possible career experience for our people. We want our workplace environment and culture to feel like a second home for our people. An environment where our people know each other. An environment where our people know our Clients. An environment where our Clients know our people.

THE ROLE AND THE CANDIDATE
We are looking for a Relationship Manager to acquire new clients and expand existing relationships and collaborate with cross-functional teams to ensure seamless delivery of products and services to support quality portfolio growth and enhance customer satisfaction. The role is responsible for building and maintaining strong relationships with clients, identifying new business opportunities, and delivering exceptional customer service.
Are you interested in adding value to our business? Do you have the attributes (skills, knowledge, experience, attitude, character) that squarely match our values, culture, and philosophy described above? Will you cope and thrive under a highly demanding, yet empowering and rewarding environment?
If yes, we invite you to join our team as Relationship Manager based at one of our branch locations (Lusaka, Kitwe, Ndola, Chipata and upcoming Solwezi branch).

You may send your application, including copies of academic & professional qualifications and three professional references via e-mail to [email protected] . The closing date for receiving applications is Tuesday, 7th January 2025.