Customer Service Officer III- Accounts/ Branch Accountant

Company Profile 

Zemen Bank is one of the fastest growing financial institutions in Ethiopia with major blue-chip clients in its account. The Bank offers customer oriented financial services. We are a fast-moving, fast-growing financial institution seeking highly energetic individuals to join our team. We value high level of customer service excellence, integrity, diligence and teamwork. If you share these values, this is the time to join the bank

Job Description

This position is responsible for serving customers and managing customer relations and ensuring customer satisfaction with full effort and maximum care; to sell the products and services of the bank, acquire new customers and open and maintain customer accounts pay and receive cash and process transactions as per the policy and procedure of the bank.

Major Duties

• Promote and cross sells the Bank’s products and services
• Maintain a positive relationship with all customers and other contact persons.
• Call and visit potential and existing customers, promote the bank’s products and services, persuade them to open accounts and start working with the bank.
• Open deposit accounts and process cheque, Card Banking, Mobile Banking, Internet Banking, and similar requests of customer fulfilling the required documentation as per the banks policy and procedure and relevant directives of the National Bank of Ethiopia
• Handle customer applications for credit and international banking, reviews for against eligibility criteria completeness, submits for further processing
• Perform disbursements, account creation, loan initiation and schedule set-up, collection and delinquency management, loan status change processing, amendments to loans
• Approval loans as per the threshold set by the bank.
• Execute credit decisions in consultation with the Principal/Senior Officer-Operations and/or Branch manager.
• Ensure that all properties offered as collateral are insured to the full value of the asset over the duration of the loan and the policy is endorsed in the name of the Bank and borrower
• File insurance endorsement letters in the Bank’s safe custody and collateral documents per the policy and procedure of the Bank
• Reconcile suspense and Head Office Accounts, ATM and POS transactions and prepare summary drawing sheets and sends to respective organs per schedule
• Process checks, payments, and transfers through the clearance system
• Verify the presenter’s bank signature, check the validity, and verify the signature of the drawer.
• Prepare, signs and posts various tickets, vouchers, annexes, CPO (Banker’s Cheques) and other documents
• Take custody of the branch’s/unit/ATM cash, cheque book, card and other instruments per the relevant policies and procedure of the bank
• Review and authorize processed transactions, new account openings and amendments on existing accounts in line with the policies and procedures of the Bank
• Perform other related duties as may be assigned by the supervisor.