About this role
KNOWLEDGE, SKILLS & EXPERIENCE REQUIRED
• Minimum 1st degree • Knowledge and experience of Banking/Financial services, preferably in the SME space • Ability to understanding and interpret financial statements • Proven track record in sales • Knowledge on SME customer relationship management • Good credit risk assessment skills • Strong interpersonal and communication skills • Strong time management and self organization skills • Excellent presentation skills • Sound PC skills • Ability to gain information of competitor activity in the local market • Understanding of economic trends • Sound knowledge of bank’s products • Sound knowledge of banking practices and theories • Strong supervisory skills
KEY RESULT AREAS
• Manage and grow the Bank’s income from a portfolio of predominantly SME customers by deepening relationships and delivering high quality service. • Establish new borrowing relationships for Commercial Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share. • Proactively work to reduce the level of portfolio dormancies in line with annual targets set • Reduce the level of attrition on the designated portfolio • Take responsibility through the banks provided tools, for monitoring post-sanction terms and ensuring customer adherence to them • Manage credit risk to an acceptable level as stipulated in the Banks policies and procedures • Establish strong working relationships with all key internal stakeholders to help drive the overall strategy of the bank. • Act as main point of contact for customers within their assigned market segment in the branch. • Develop and nurture relationships with the Clients assigned to ensure that the strategy and business objectives of the Client and the Bank are achieved. • Maximize all cross-selling opportunities to increase the penetration of products held per customer, in line with objectives set • Monitor portfolio asset quality to ensure NPL trends are in line with Bank specified average targets • Ensure adherence to branch service standards. • Suggest product feature and benefits changes to promote sales • Assist in the achievement of strategic, financial and other objectives of the branch • Ensure compliance with ALL bank procedures, policies and controls • Provide guidance and advice to customers on credit issues • Assist in developing assets/liability products for SMEs • Any other jobs which may be assigned from time to time
RISK AND COMPLIANCE
• Ensure prompt and adequate compliance responses to Sanctions and AML/CFT enquiries sent in by Compliance department • Take part in all annual mandatory refresher training organised by Compliance • Report all suspicious or fraudulent activities to Compliance or via whistle-blowing toll free line. • Ensure all accounts opened are KYC compliant or appropriate escalations have been followed.
COMMUNICATIONS AND WORKING RELATIONSHIPS
• All Branch staff • All Retail Banking staff • All assigned clients • Operations Staff • Credit Risk