Relationship Manager

Overview

We are recruiting!

Our client in Solwezi, is looking for a Relationship Manager to join their team for a job vacancy within the microfinance industry.

To apply, or for more information, follow the link below.

Relationship Manager

 Job Summary

The Relationship Manager will play a key role in managing and expanding the SME client portfolio within the microfinance sector. The position requires a seasoned professional who understands the unique financial needs and challenges of small and medium enterprises. The ideal candidate will have at least 7 years of experience in microfinance or banking, strong credit assessment skills, and a passion for supporting SME growth through innovative and responsible financial solutions.

Key Responsibilities

Client Acquisition & Relationship Management

Identify, acquire, and onboard SME clients that align with the company’s target market and lending strategy.
Build, maintain, and nurture strong, long-term relationships with clients to support their business growth.
Provide ongoing advisory support to clients regarding financial planning, working capital needs, and expansion financing.

Loan Origination, Assessment & Portfolio Management

Conduct detailed business assessments, site visits, and due diligence to evaluate client needs and creditworthiness.
Prepare high-quality credit proposals in compliance with internal lending policies and regulatory requirements.
Manage a robust loan portfolio, ensuring healthy repayment performance and adherence to risk management standards.
Actively monitor borrower performance, identify early warning signals, and take appropriate actions to mitigate risk.

Business Development & Market Expansion

Drive growth by identifying new market opportunities and recommending tailored financing solutions for SMEs.
Collaborate with internal teams to develop new products and services that address SME financial challenges.
Achieve individual and departmental targets related to portfolio size, quality, and profitability.

Customer Service & Support

Ensure timely and accurate resolution of client inquiries, complaints, and service needs.
Provide training or financial literacy support to SME clients to enhance their business sustainability.

Compliance, Reporting & Documentation

Maintain accurate and complete documentation for all loan files and client interactions.
Ensure full compliance with microfinance regulations, internal controls, and operational policies.
Prepare periodic reports on portfolio performance, credit pipeline, and client engagement activities.

Qualifications & Experience

Bachelor’s degree in Business Administration, Finance, Economics, or related field (required).
Minimum of 7 years’ experience in microfinance or banking, specifically working with SME clients.
Strong background in credit analysis, loan appraisal, and lending methodologies within the microfinance environment.
Demonstrated ability to manage and grow a high-performing SME loan portfolio.
Excellent interpersonal, negotiation, and customer engagement skills.
Strong problem-solving ability with sound judgement in credit and risk assessment.
Proficiency in MS Office Suite and experience with microfinance or core banking systems.

Key Competencies

Deep understanding of SME financial needs and challenges
Strong credit analysis and risk management skills
Effective relationship-building and stakeholder management
Business development and sales focus
High ethical standards and integrity
Excellent communication and presentation abilities
Results-oriented with strong organizational skills

“All candidates are required to obtain their ZAQA certification from the Zambia Qualifications Authority (ZAQA)”