Role of the Job:

• Mobilise, Monitor, identify potential SME clients, appraise loans /Over Drafts, grow the trade finance business, Grow deposits and carry out disbursements in accordance with the bank’s procedures.

Key Result Areas:  

• Market the bank’s products and services by cross-selling them to the customers.
• Identify and develop the bank’s SME business relationships, generate new business lines and new customers to achieve defined sales targets.
• Grow the trade finance portfolio in line with the Corporate objectives of the Bank, through excellent customer service delivery and efficient and accurate processing of trade finance transactions.
• Screen all potential SME /Corporate borrowers for eligibility by conducting financial and non-financial analysis, reviewing and analyzing all SME /corporate credit applications for accuracy, completeness, and compliance with the bank’s policies.
• Discuss loan terms and conditions, conduct a collateral risk analysis to ensure compliance with the bank’s policies and procedures.
• Participate in the loan approval committee at the branch.
• Prepare and forward clients’  requests for uncleared effects, overdrafts, Guarantees, ensuring that all required documents are acquired and filed in line with the bank’s policy.
• Monitor the growth and quality of the SME portfolio and recommend remedial action in line with the bank’s policy.
• Manage delinquency through monitoring of the Portfolio At Risk (PAR) and the non-performing loans and receiver loans to avoid arrears.
• Manage customer relationships through a proactive and consultative approach so as to create and maintain a clientele base for profitable business especially with SME’s within your area for operation.
• Proactively manage the customer experience by staying in touch with the customer, resolving customer queries, and processing requests on time.
• Prepare daily, weekly and monthly, reports for loan recoveries, sales, and new accounts opened.
• Minimize risks through adherence to KYC compliance as per the bank policy and procedure in all your operations.
• Perform any other duties as may be assigned by your supervisor from time to time.
• Mobilise for deposits;
• Mobilise for off -balance sheet items.

Minimum educational and technical competence requirements:

• • • • • A Bachelor’s degree from a recognized university
        • Over 4 years’ experience in lending and loan portfolio management
        • Experience in Customer Relationship management will be an added advantage
        • High level of business acumen and understanding of business relationship management.
        • Good understanding of sales management and branch banking business.
        • Excellent communication and stakeholder management skills.
        • Understanding of the Corporate and commercial Banking business environment.
        • Good personal presentation skills.
        • Business analysis skills.
        • Ability to work under pressure in order to meet deadlines.
        • Good teamwork skills.

        Flexibility to travel upcountry