JOB SUMMARY:

The overall purpose of this role is to achieve business growth for the Bank by selling products and services to SME’s within assigned market segments and by promoting and selling other products and services of the Bank to enhance value-added relationship with existing customers.

KEY RESPONSIBILITIES:

 Strategy - 20%

To support the branches in increasing business in the sectors and segments allocated.

Ensure implementation of the SME Banking strategy in line with the allotted Sector / Segment and aligned to the overall strategy of the Bank. 

Acquisition: Business Development -35%

To onboard new customers so as to grow the Bank's liabilities, Assets and NFI

To service existing customers so as to continuously grow the Bank's liabilities, Assets and NFI

To increase product usage amongst existing customers in the portfolio assigned

To increase account activity and utilization amongst existing customers in the portfolio assigned

To ensure continuous engagement

To play a key role in product development relevant to the SME Banking sector.

To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times.

To effectively manage and expand the relationships with existing SME banking clients and bringing in new partnerships so as to ensure business growth and continuity.

To ensure continuous improvement in customer service and implementing effective retention of customers within the corporate banking framework.

Cross-sell, Retention & Servicing of Clients - 25%

Provide advice on potential financial solutions based on identified need

Understand and Resolve and where necessary, escalate client queries in a timely and appropriate manner

Analyze financial requirements of customer and match with the Bank’s product offerings

To grow the Bank's wallet share in the SME banking sector within the designated portfolio / segment.

To evaluate credit proposals and ensure the credit applications process on a timely basis with the bank’s set turnaround times.

Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities

Ensure renewal of facilities such as overdrafts are undertaken in a timely manner and no limits expire / mature

Ensure proper communication to clientele in respect to any changes in the Banks services or products 

Manage all facilities in the portfolio to maintain an acceptable PAR

Ensure that the client has an active account by frequently reviewing the account to ensure that there are regular transactions depending on the nature of the clients business

Compliance - 10%

To ensure compliance with both internal and external regulatory requirements. 

To work closely with risk and compliance units to ensure effective controls to mitigate against business risks associated with corporate banking.

Talent Management - 5%

Ensure personal development

 Ensure development of the team by also effectively charting their career paths 

To safeguard and promote the bank’s image with the general public.

Other - 5%

To safeguard and promote the bank’s image with the general public.

KEY RELATIONSHIPS:

Customers to this Position

SME Sector Relationship Managers

Regional Mangers

 Branch Manager

Senior Relationship Officers

Relationship Officers

Analyst

Credit Department

 Products and Verticals department

Corporate

Treasury

Knowledge; Skills and Experience required for this Role

Bachelor’s degree from an accredited University preferably with a Major in Finance, Accounting, Marketing or Economics

Excellent interpersonal skills

Excellent communication and presentation skills

Organizing and planning skills

Information gathering, monitoring and analytical skills

Problem analysis and solving skills

Decision making skills

Competencies required for this Role

Emotional Intelligence; Dynamic individual with the ability to work under pressure.

A passion for performance, building team play, and achievement in a competitive and dynamic environment

Commercial awareness and customer focus

Strong networking skills, for both internal and external networks

Delivering Results and Meeting Customer Expectations

Achieving Personal Work Goals and Objectives

Entrepreneurial and Commercial Thinking

Persuasion and Influencing

Presenting and Communicating Information eloquently

Team Player

Problem Solving

Ability to maintain a quality Asset book

Ability to handle customer complaints and expectations in a diplomatic way

Ability to foster team work with colleagues to enhance a good working environment

Ability to conduct oneself in a professional manner ensuring that the Bank’s image and reputation is protected

Knowledgeable in analysing of statements of accounts and annual financial reports to ensure that the company’s earnings are correct in terms of industry and period of analysis

Accountability

Ensuring timely submission of reports

Ensuring seamless execution of tasks

Ensuring adherence to the department’s SLA

Ensuring a customer satisfaction/retention mechanism