Business Relationship Officer Job Opportunity at Kilimanjaro Co-operative Bank Limited (KCBL)- January 2021

 Business Relationship Officer Job Opportunity at Kilimanjaro Co-operative Bank Limited (KCBL)- January 2021

Kilimanjaro Co-operative Bank Limited (KCBL) is the only Co-operative Bank in the country, Headquartered in Moshi – Kilimanjaro is a fully-fledged Bank owned by Co-operatives and private business entities. The Bank is ambitiously reorganizing its business model and implementing a growth strategy to widen nationwide outreach and network expansion to support the government Cooperative movement agenda and mass-market financial inclusion for Co-operatives, retail, and SMEs across the country.

To deliver its strategic agenda and lasting customer experience, the BANK is seeking to recruit professional, competent, and experienced Tanzanian to grow their careers and fill the following vacant positions listed below;


Term: Permanent

Reporting to: Team Leader –Business Development.
Placement: Branch
Station: Moshi-Kilimanjaro.

Develop and acquire new business opportunities and proactively market for lending/deposit mobilization from the existing business relationship and prospective clients.
Cross-selling bank services; working closely with the entire branch staff to maintain a high degree of customer focus.
Maintain a relationship with all business customers and work closely with these customers for the mutual benefit of both the customer and the bank.



  • Identify and acquire new business opportunities through local market intelligence.
  • Manage bank and customer relationships to sell and cross the bank’s products and services.
  • Build and maintain strong business relationships with existing and prospective customers.
  • Identify new business ventures through local market intelligence and identify the support required for sales and onboarding execution.
  • Demonstrate a high level of integrity through compliance to credit policy and procedures.
  • Handling customers’ queries/complaints relating to loan installments and other loan-related issues.
  • Deliver the promised service in a consistent and accurate manner with speed.
  • Create trust, confidence, and confidentiality to customers.
  • Proactive monitoring and maintenance of the relationship especially in lending


  • Acquire, analyses, and appraisal new and existing business projects for loan application
  • Interviewing, analyzing, and evaluating borrowers and potential borrowers with emphasis on risks (business, financial, market, etc) and a particular focus on repayment risk (cash flow); preparation and completion of the Credit Application form; making recommendations to branch Credit Committee/Head office Credit Dept.


  • Maintaining SME credit files; coordinating efforts with SME UNIT, audit, loans administration & documentation, and banking operations.
  • Working together with the Branch Credit Officer to ensure loan documentation, security, etc is perfected and in place before disbursement.
  • Daily monitoring of account operations of all SME borrowers
  • Check covenants and other conditions at least monthly
  • Ensure compliance with terms & conditions laid down by the Approval and Offer Letter
  • Review risk grades at least quarterlyMaintain client registers/databases and ensuring all files and branch records are in order
  • Quarterly review of security values (FSV)
  • Undertake renewals &/or reviews of outstanding loans before 90 days of expiry.


Working in co-operation with the Branch Manager and immediate supervisor to identify and monitor problem loans and possible delinquent facilities for further action;
Actively pursue and engage doubtful customers and those in arrears, so that all avenues are explored before marking the loan as substandard or doubtful.


  • Daily monitoring of all accounts in arrears
  • Immediate follow-up of accounts in arrears
  • Initiation of demand and other procedures
  • Recommendations to Branch Manager/Field Supervisor
  • Down-grading of accounts in arrears
  • Re-assessment of securities and documentation
  • Liaising with Recoveries Unit when appropriate (recovery of collaterals, use of debt collectors/auctioneers, write-offs etc)


  • Preparing and agreeing to an annual budget based on client portfolio
  • Preparing and agreeing with a monthly action plan and calling program; regular monthly appraisal meeting with Branch Manager
  • Maintain a database of borrowing customers in the branch.
  • Prepare performance reports (monthly work plan, activity report etc)


Well-informed of the market competitive structure, banking industry practices, and regulations.
Strong analytical, problem-solving, decision-making, and financial management skills.
Excellent interpersonal and networking skills.

University Degree in Business Administration, Banking, Accounting, Finance or any Business-related field.
At least 3 years’ experience in banking operations particularly lending and business relationship management for both personal and enterprises customers
Also read:

  1. Sales And Service Officer Job Opportunity at Kilimanjaro Co-operative Bank Limited (KCBL)- January 2021
  2. Director of Operations Job Opportunity at APHFTA – January 2021
  3. Technical Director Job Opportunity at APHFTA – January 2021


If you have what it takes to fill the announced vacant posts; you’re encouraged to submit your application with a detailed resume/CV attached with copies of academic certificates, your full contacts (address and telephone numbers), and three referees addressed to:

The General Manager,
Kilimanjaro Co-operative Bank Ltd,

Please, note:

Applications should be hand-delivered to the Bank offices in MOSHI or emailed through

The deadline is set at 16hrs on the 25th January 2021.

Shortlisted candidates should be ready for a written and oral interview.


Leave a Reply