Minimum educational and technical competence requirements:

• Bachelors degree in any field or its equivalent in any relevant discipline.
  
• A post graduate or professional qualification (e.g. MBA, ACCA, CPA,Certificate in Risk Management) will be an added advantage.
  
• A minimum of 5 years in a credit dispensing role with proven performance.
  
• Experience in Business Banker or SME Officer roles is an added advantage.
  
• Leadership skills
  
• Good personal & presentation skills
  

Customer Acquisition & Business Growth

• Identify potential customers and market credit products to drive growth in loans and deposits.
  
• Achieve balance sheet, revenue, and profitability targets in line with the business plan.
  
• Drive growth of the Loan portfolio
  

Portfolio Quality Management

• Manage the allocated loan portfolio to maintain a high-quality asset book.
  

Client Relationship Management

• Enhance acquisition, retention, and growth of customers through proactive engagement.
  
• Conduct field visits and document call reports to monitor customer interactions.
  

Risk & Compliance

• Ensure strict adherence to the Bank’s internal operational guidelines and regulatory standards.
  
• Lead credit committee meetings for efficient credit operations.
  
• Verify authenticity and completeness of loan documentation and collateral security.
  
• Ensure safe storage of collateral in a fireproof safe under dual control.
  

Credit Operations

• Portfolio Planning: Plan, review, and monitor strategies for loan portfolio growth.
  
• Credit Appraisal: Review proposals, appraise, and authorize disbursements as per policy.
  
• Credit Monitoring: Track all disbursed loans to maintain portfolio.
  

Partnership Management

• Ensure timely submission of claims and returns (e.g., EADB, ACELI, aBi Finance) as per required frequency.
  

Digital & Alternate Channels

• Onboard customers onto digital platforms (Internet Banking, Mobile Banking, Agent Banking).
  

Customer Experience

• Deliver superior service and engagement to enhance customer satisfaction.