Business Development Officers & Business Development Managers

Job Profile

To drive the growth of the Bank's assets and liabilities through the mobilization of deposits, acquisition of retail and institutional customers, origination of mortgage and other credit facilities, and development of strategic business relationships, while ensuring compliance with regulatory and internal credit standards.

Business Generation

• Mobilize deposits, savings accounts, fixed deposits, and investment funds from individuals, corporates, associations, cooperatives, and public sector institutions.
• Generate quality risk assets in line with the Bank's approved credit appetite.
• Develop and execute acquisition strategies to achieve assigned deposit and lending targets.

Lending Origination

• Identify prospective customers and guide them through the mortgage application process.
• Conduct preliminary customer assessments including affordability, repayment capacity, and eligibility requirements.
• Liaise with Credit, Legal, Operations, teams to facilitate timely processing of applications ensuring all loan applications are supported with complete documentation and meet regulatory requirements.
• Maintain a healthy pipeline of lending opportunities and track conversions through disbursement.

Deposit Mobilization and Liability Generation

• Drive low-cost deposit mobilization and liability growth.
• Cultivate and maintain relationships with high-net-worth individuals, corporate clients, religious organizations, professional bodies, and government agencies.
• Ensure retention and growth of existing deposit portfolios.
• Develop innovative strategies for sustainable liability generation.

Relationship Management

• Manage and deepen relationships with assigned customers.
• Cross-sell the Bank's products and services to existing and prospective customers.
• Conduct regular customer visits and business reviews.
• Ensure prompt resolution of customer complaints and service issues.

Educational Requirements

·         Bachelor's Degree in Business Administration, Marketing, or related discipline.

·         Minimum of 2-8 years' banking experience with evidence of deposit mobilization and/or loan generation.

·         Demonstrated achievement in both asset generation and deposit mobilization.

Skills & Competencies

·         Strong negotiation and influencing skills

·         Excellent communication and presentation abilities

·         Results-oriented and target-driven

·         Strong networking capability

·         High integrity and professionalism

·         Customer-centric mindset