Retail Lending Officer

The Retail Lending Officer is responsible for driving portfolio growth and revenue for Massy Finance GFC Ltd (MFGFC) by managing customer relationships, meeting sales targets, and ensuring smooth client onboarding.

KEY RESPONSIBILITIES

•    Customer Relationship Management
•    Develop and sustain positive relationships with internal and external customers and stakeholders.
•    Provide tailored solutions and promptly resolve complaints by thoroughly understanding customer needs.
•    Manage CRM leads within 24 hours.
•    Supports the delinquent portfolio through the restructuring of Loans.
•    Sales and Business Development
•   Drive new and existing business growth through direct sales and relationship building.
•   Cross-sell and up-sell all the products and services.
•   Achieve monthly/annual sales targets by active marketing initiatives.
•    Provide on-site coverage at designated dealership locations and participate in sales events to promote products     and services.
•   Maintain accurate and healthy pipeline reports to track movement of business and conversions.
•  Customer Onboarding and Support
•   Manage the end-to-end onboarding process from application origination to disbursement including interviews, proposals and loan closing.
• Collaborate with internal teams to process applications and update customers accordingly.
•  Conduct site visits as required for Enhanced Due Diligence.
•  Compliance and Risk Management
• Ensure adherence to AML, ATF and regulatory guidelines while maintaining KYC compliance.
•  Conduct due diligence and ensure data accuracy/integrity for all credit applications.
•   Market and Product Knowledge
•   Stay updated on market trends, competitor offerings and financial products.
•   Maintain in-depth knowledge of the Company’s lending and investment product offerings.

ESSENTIAL QUALIFICATIONS & EXPERIENCE

• Bachelor's Degree in Business Management, Finance or related discipline
• A minimum of five (5) years’ experience in retail banking or financial services with at least three (3) years in a lending capacity

KNOWLEDGE, SKILLS & ABILITIES

• Financial products, risk management, and regulatory compliance (AML/ATF)
• Market trends, competitor analysis, and CRM tools
• Sales, negotiation, and customer service excellence
• Proficiency in MS Office Suite
• Strong communication, time management, and analytical skills
• Ability to use initiative, work independently and exercise sound judgement
• Ability to build and maintain relationships with customers and stakeholders
• Adaptability, decision-making, and attention to detail
• Team collaboration, integrity, and confidentiality