Job Title: Branch Relationship Officer – Consumer (Fresher Jobs)
Organisation: Tropical Bank
Duty Station: Kampala, Uganda
About Organisation:
Tropical Bank was established in 1973 under the name Libyan Arab Uganda Bank for Foreign Trade and Development. Tropical Bank Limited is jointly owned by the Governments of the Republic of Uganda 0.03% and the Libyan Foreign Bank (LFB) 99.97% of Paid-up Capital. The Bank provides professional and personalized commercial banking services to various sectors of the economy including financial support to Parastatals, Corporates, Small and Medium Enterprises, Individuals, and Non-Governmental Organisations.
Job Summary: Drive the growth of the consumer banking business by recruiting new customers, retaining existing relationships, and continuously reviewing client wallets to optimise the Bank’s revenue through cross-selling appropriate product bundles.
Key Duties and Responsibilities:
- Aggressively recruit new-to-bank consumer customers while retaining and managing existing relationships to support the branch’s growth in balance sheet and profitability.
- Scan Local Area Networks to find opportunities for consumer products and opportunities and work with the RM-Schemes to propose MOUs to offer product solutions to local area organisations.
- handle the application process for salary loans, including collecting and verifying documents such as proof of income, employment verification, and credit history.
- Work with the RM- Schemes recruit and sign MOUs with potential employers following the bank’s limits, policies, and procedures.
- Participate in community events and networking activities to increase the bank’s awareness and presence in the community.
- Take a consultative approach to understanding clients’ objectives, effectively identify their financial needs, implement appropriate financial solutions, and undertake ongoing reviews and assessments to ensure exceptional customer relationships.
- Develop and manage a pipeline of potential consumer customers to avoid end-of-period panics.
- Prepare credit applications and participate in the underwriting and branch credit committee approval process.
- Ensure that all loans are documented completely and that any documentation or loan policy exceptions are addressed and resolved.
- Monitor the Branch Consumer portfolio to ensure that actual performance is consistent with approved limits and loan covenants as informed by the credit approval.
- Prepare and present for approval thorough, timely, and accurately analysed credit applications.
- Manage the branch’s consumer relationships while effectively communicating with the Branch Manager and Manager Consumer.
- Contribute to product development and review of operational processes based on customer feedback to support the Bank in meeting its customers’ needs.
- Spot early warning signals, like delayed salary payments, to maintain a high-quality portfolio within the agreed-upon NPL ratio.
- Monitor and analyse the performance of client accounts, tracking key metrics such as revenue, deposit, profitability, and client satisfaction.
- Identify and develop the bank’s Consumer business relationships, generate new business lines and new customers to achieve defined sales targets
- Ensure that all client interactions and transactions comply with regulatory requirements, internal policies, and industry standards.
- Cross-sell Bank products to existing and new customers to grow the bank’s wallet share and revenue.
- Drive the Bank’s digital agenda among the branch segment clients.
- Comply with AML/CFT/CPF policies and procedures, non -compliance of which shall be addressed as per the bank disciplinary processes.
- Any other duty as shall be assigned to you from time to time.
Qualifications, Skills and Experience:
- A Bachelor’s degree in finance, Commerce, Business Administration, Economics, Statistics, management, or any relevant field.
Experience
- Relevant knowledge of general banking practices and procedures.
- Experience in utilising computer technology.
- Relevant knowledge of the banking sector in Uganda
- Experience in sales and product development
Competencies & Knowledge
- Sales Acumen
- Ability to demonstrate a positive image and uphold Bank values.
- Strong Analytical Skills
- Stakeholder and Relationship Management skills
- Effective oral and written communication skills.
- Effective negotiation and execution skills.
- High ethical standards and integrity.
- Client-focused and results-oriented mindset.
- Ability to work in a fast-paced and dynamic environment.
- excellent problem-solving and advisory skills.
- Proficiency in English Language and any other local language, preferably Luganda.
- Ability to work in a fast-paced and dynamic environment.
- excellent problem-solving and advisory skills.
- Proficiency in English Language and any other local language preferably Luganda particularly for explanatory purposes to Bank customers who do not understand the English Language.
How to Apply:
If you meet the above requirements, please submit your application online by sending a cover letter, a detailed CV, and copies of relevant academic and professional certificates to the following email address: [email protected]
Deadline: 2nd October 2025
Note:
- Tropical Bank Limited is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, national origin or disability status
- Only shortlisted candidates will be contacted.
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Level of Education: Bachelor Degree
Work Hours: 8
Experience in Months: no experience required