Education/Professional Qualifications, Skills & Experience:

• Bachelor’s degree in business administration, Economics, Finance, Banking or its equivalent from a recognized institution. Credit management training.
  
• Master’s degree in a Business-related field from a recognized University is an added advantage.
  
• A minimum of Five (5) year’s banking experience in a similar role from a reputable organization.
  
• Excellent research, analytical, and problem-solving skills.
  
• Entrepreneurial and Commercial thinking.
  
• Strong persuasion, management, presentation and communication skills.
  
• Excellent stakeholder management and organizational skills.
  
• Creative approach, with the ability to anticipate challenges and develop innovative solutions. knowledge and ability to ensure good governance practices.
  
• Credit analysis skills and ability to develop credit reports
  

Method of Application

SME Business Growth & Market Development

• Drive SME business growth and market expansion by implementing business development
  
• initiatives aligned with the MSME strategy and growth plans.
  
• Increase revenue and portfolio activity through active marketing, cross-selling of SME products and services, and driving transactional income.
  
• Strengthen market presence by identifying new business opportunities and collaborating with
  
• Regional, Branch, and Support teams to sustainably grow SME market share.
  

Client Relationship & Customer Experience Management

• Build and manage strong SME client relationships and pipelines to support departmental objectives and convert opportunities into long-term, satisfied customers.
  
• Deliver exceptional customer experience by actively managing day-to-day engagements and advocating customer needs to ensure high service standards and lasting partnerships.
  

Portfolio Management & Credit Risk Oversight

• Ensure sound credit governance and compliance by adhering to SME underwriting standards, bank policies, and regulatory requirements while supporting credit reviews and facility recommendations.
  
• Safeguard portfolio quality and risk management through continuous monitoring of accounts, identification and mitigation of risks, and coordination of collateral requirements in line with procurement guidelines.
  

Product Penetration & Cross-Selling

• Identify and drive cross-selling opportunities to increase wallet share and revenue per SME client,
  
• Support SME product knowledge enhancement for branch staff to strengthen product penetration and overall business growth.
  

Market Intelligence, Brand Strategy & Commercial Positioning

• Provide strategic market intelligence and manage SME Banking brand initiatives to strengthen
  
• market positioning, support informed decision-making, and enhance overall business performance.