Date: 05-03-2025
Company: MetroCredit COOP Ltd.
Category: Operation
Job type: Full time.
Position Title: Account Relation Officers
Number of positions: 1
Duration: 1 year renewable
Application period: Rolling basis
Location: Buea
Institution Overview
Metropolitan Cooperative Credit Union Ltd is a Category 1 MFI created in 2024 providing savings and loans solutions to Unbanked Cameroonians as well as digital financial solutions to small businesses and corporate structure. Headquartered in Buea, Cameroon with expansion plans across the national territory and beyond Cameroon to other African markets.
website: www.metrocreditplc.com
Job Brief
The Account Relation Officer has a challenging and ever-evolving role to play when it comes to optimizing the customer experience. The ARO has to evaluate, authorize approval or deny loan applications for people or for business. Under the supervision of the branch manager, he/she will act as liaison between customers and our financial institution and will help qualified applicants acquire loans in a timely manner.
He or she would also be in charge of championing and managing all prospecting campaigns of the company as well as acting as direct supervisor for Direct Sales Agents.
Metrocredit places great value on relevant personal qualities including resourcefulness, tenacity, independence, patience, humility, and strong work ethic.
Functional Responsibilities
1. Client Acquisition & Relationship Management
- Canvass potential clients by promoting financial products and services, highlighting their benefits.
- Act as the focal point between clients and the financial institution, managing client relationships.
- Assist clients in selecting and opening accounts that meet their needs.
- Go the extra mile to build trust, customer loyalty, and satisfaction throughout the underwriting process.
2. Loan Processing & Credit Assessment
- Evaluate creditworthiness by processing loan applications and documentation within specified limits.
- Interview loan applicants to determine financial eligibility and feasibility of granting loans.
- Determine applicable ratios and metrics and set up debt payment plans.
- Complete loan contracts and counsel clients on policies and restrictions.
- Justify credit decisions (approvals/rejections) and report them to management.
- Assess customer needs, explore financing options, and introduce different types of loans.
3. Compliance & Risk Management
- Operate in compliance with financial laws, regulations, and lending guidelines.
- Maintain and update account records to ensure data accuracy and compliance.
- Communicate with clients to request or provide information while ensuring adherence to policies.
4. Marketing & Business Development
- Develop referral networks, suggest alternate banking channels, and cross-sell financial products and services to achieve targets.
- Manage key marketing and prospecting campaigns to drive customer acquisition.
- Prepare and submit marketing reports to management for strategic decision-making.
5. Knowledge & Professional Development
- Stay updated on loan types, financial services, and industry best practices to enhance job knowledge.
Education, Experience and skills:
- Minimum Bachelor’s degree in Management / Accounting / Banking / Finance / Economics / Law / Marketing / Commerce;
- 01-year minimum experience in managing a portfolio;
- Practical mastery of financial analysis; risk analysis and accounting;
- Good knowledge of the microfinance sector, banking or insurance.
- A good knowledge of lending activities.
- Good knowledge in Marketing and commercial sales campaigns
- Dynamism / Sense of Contact and Dialogue / Autonomy / Sense of Teamwork / Rigor / Synthetic Mind / Business Capabilities;
- Comfortable with calculations and use of numbers;
- Good knowledge of business accounting and banking applications;
- Ability and motivation for fieldwork;
- A good mastery of Microsoft Office.
How to apply
To apply for this position, applicants should submit their CVs and cover letters via email to recruitment@metrocreditplc.com
The subject should read ‘Account Relations Officer’
Thank you in advance for your interest in this position. Only those who meet the requirements will be contacted. If you have not been contacted four (4) weeks after closing, consider your application unsuccessful.
Deadline for applications: Rolling basis