Working closely with the Business Growth & Development Manage, the Senior Relationship Officer SME will ensure implementation of sales & business growth strategies and at the same time ensure quality of the MSME book. The holder will identify business growth opportunities, acquire clients in area of jurisdiction, provide support first through Faulu Business Account opening, manage daily utilization towards future lending and build a sizeable portfolio in both deposits & MSME ensuring excellent client experience.

KEY TASKS AND RESPONSIBILITIES

KEY MEASURABLE GOALS

• Achievement of quality portfolio to meet targets <3 % for above 30 days and nil for below 30 days.
• Timely loan recovery and follow-ups to minimize delinquencies and improve portfolio health.
• Client acquisition, increase rate of MSME loan uptake and relationship management.
• Increase revenues through cross selling of other bank products e.g. sale of cheque books, mobile banking enrolment.
• Active Deposit Mobilization to meet set targets.

KEY RESPONSIBILITIES

• Proactively market and generate business, focusing on deposit mobilization, loan disbursement, and overall revenue growth
• Undertake regular calls and visits to customers to ensure effective relationship management and customer satisfaction
• Cross sell all Faulu products and services to both existing and potential clients ensuring maximum penetration and customer retention
• Business growth initiatives including marketing activities, new business sign-ups, new partnerships etc
• Prepare credit appraisals, analysis and present to the Branch Credit Committee meetings further review & recommendations
• Adhere to current procedures, processes, memos and circulars as may be issued from time to time
• Address all customer queries within stipulated Service Level Agreements (SLAs)
• Monitor the portfolio quality on a daily basis and proactively institute remedial actions
• Conduct regular visits and follow-ups with customers to ensure satisfaction and foster long-term relationships
• Promote Digital Banking adoption by onboarding and supporting customers on usage of Digital Banking platforms (Digi Cash, Internet Banking USSD Code)
• Provide ongoing support to Sales Consultants to enhance their productivity and effectiveness
• Recruit, train, and manage agency banking partners while monitoring their performance, providing support and ensuring compliance with banking policies
• Liaison with the branch leadership team, local authority i.e. chiefs, opinion leaders to reinforce loan collections

SKILLS, KNOWLEDGE & COMPETENCIES

• Business management skills
• Credit management skills Supervisory skills
• At least 5 years as a Universal Banker in MSME business
• Lending hands on experience of at least 3 years.

Competencies Required

• Good communication
• Interpersonal skills
• Team leader/player

QUALIFICATIONS & EXPERIENCE

Education

• Business related degree from a recognized university

Professional Qualifications

• Accounts Qualification Section 4 of CPAs

Additional Qualifications/Experience (Preferred, Not A Requirement)

• Master’s degree