Job Purpose:To drive the growth, profitability, and retention of the Small and Medium-Sized Enterprises (SMEs)
portfolio by acquiring new business and managing key relationships and offering tailored financial
solutions.
Key Result Areas:
⢠Lead the execution of the SME banking Strategy to meet targets for asset portfolio, Deposits, number
of customers and revenue while ensuring good risk management.
⢠Client Relationship Management-enforce regular customer visits and financial health checks to
understand clientsā business needs and provide advisory support.
⢠Manage and nurture a portfolio of high SME value clients, ensuring high customer satisfaction and
retention.
⢠Oversee the SME lending process, ensuring that loan packages are properly filed with appropriate
signatures, disclosures, credit authority, and supporting documentation.
⢠Review and update the SME Customer Value Propositions in line with the changing customer needs.
⢠Reviews SME loan procedures on a routine basis and recommends any necessary updates or revisions.
⢠Prepare and authorise necessary lending documentation, including settlement sheets, vouchers, and
general ledger entries.
⢠Conduct regular sales meetings to address goals and progress to date and drive productivity among
staff.
⢠Market analysis ā Monitor competition trends and guide the bank on opportunities and possible risks.
Financial Responsibility:
⢠Responsible for delivering the SME lending business & financial targets drive proper product mix.
⢠Responsible for controlling costs within the agreed budget.
Person Specification
Education & Training:
⢠A Business Degree in Finance, Commerce, Business Administration, Economics, Statistics,
Management or any relevant field.
⢠Possession of a Certified banking qualification or Masterās Degree in a relevant field would be an
added advantage.
Skills & Experience:
⢠Critical thinking, analytical, attention to detail and problem-solving skills.
⢠Good verbal and written communication skills.
⢠A minimum of 7 yearsā experience in a Banking environment with at least 3 years in the relationship
management function and sales function.
⢠Business Development Skills, Customer service skills, Relationship/People Management Skills,
Negotiation Skills, Leadership skills, Marketing, Selling and Strong Credit analysis skills