Account Officer Job Description

An account officer is responsible for monitoring the creditworthiness of customers.

Active account officers must have the authority to make credit decisions, while inactive account officers may monitor account balances but not grant credit.

The account officer reviews a customer's creditworthiness by using industry account numbers, credit scores, and information about the customer's payment history.

If the account officer finds a credit risk, the account officer recommends whether the customer should be approved for credit, and if so, how much credit the customer should qualify for.

Financial institutions may assign account officers to oversee individual customers or groups of customers.

Updated on:     
September 15, 2022

Job Brief:

We're looking for an Account Officer who is detail oriented and organized, with excellent written and verbal communication skills. The ideal candidate will have a strong background in accounting and finance, and be able to work independently to manage a large volume of work.

Account Officer Duties:

  • Maintain positive relationships with clients by actively listening to clients, anticipating client’s goals, and developing solutions
  • Develop and manage client relationships and interactions
  • Provide professional and client-focused service
  • Identify and solve problems and provide creative solutions
  • Jointly resolve client problems
  • Lead the management of client portfolios
  • Review and analyze client finances, including income, expenses, fixed assets, and cash
  • Keep abreast of industry news
  • Develop strategies and plans for client accounts
  • Identify and report client risks and opportunities

Account Officer Responsibilities:

  • Manage all account management and relationship activities with new and existing clients
  • Work with clients to develop and implement business plans, including assessing their needs and matching them with industry best practices
  • Identify, qualify, and prospect for new clients
  • Conduct in-depth analyses of clients' financial circumstances
  • Develop and maintain strong working relationships with clients
  • Coordinate client implementations throughout the sales process
  • Conduct client training, onboarding, and support, including preparing training materials, developing processes, and tracking client status

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Requirements And Skills:

  • 2+ years proven experience in business development and account management
  • Bachelor's degree, preferably in accounting or finance
  • Strong knowledge of client relationship management (CRM) programs and Microsoft Office Suite

At [Company Name], we value diversity and inclusion. We are an equal opportunity employer committed to building a team that represents a variety of backgrounds, perspectives, and skills. We encourage applications from all races, religions, nationalities, genders, , and ages.

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