Job Purpose 

The Job holder will manage, develop, and grow the SME customer portfolio assigned and acquire new to bank customers for the growth of the Bank’s portfolio while ensuring the achievement of assets, liabilities and non-funded product targets, profitability objectives, and implementation of superior customer service culture and standards in adherence to Bank’s policies and guidelines.

Key Responsibilities 

• Deliver the revenue and balance sheet targets assigned by identifying and maintaining target customers/ customer segments within each catchment area.
• Manage the profitability of product portfolios and customers as well as improve the profitability through increased fee income generation.
• Identify the segment target market to broaden the portfolio and pursue growth opportunities towards on boarding of the new clients.
• Ensure the overall credit quality of the asset book is within acceptable limits.
• Review the overall portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.
• Maintain complete control aspects i.e., documentation, periodical customer visits / call reports, to monitor the assigned portfolio effectively and to ensure all statutory and controls for the business processes.
• Manage assigned relationships to ensure satisfactory account conduct and early ratification of various credit relatedissues.
• Ensure high performance culture and delivery of professional and quality customer service.
• Monitor customer complaints, approaching complainant personally where required to ensure prompt resolution.
• Ensuring all portfolio monitoring/management processes & measures are undertaken regularly and on an on-going basis and all credit files are properly maintained with a view to achieving good audit rating.
• Any other duties may be assigned by the team leader from time to time.

Job Specification 

• Bachelor’s degree in Business Management or related field from a recognized university.
• A professional qualification in Banking, Finance or Accounting will be an added advantage.
• Minimum of Seven (7) Years Banking experience with at least 3 years in business development for SME/Retail segment.
• Excellent financial acumen & analytical thinking skills
• Strong interpersonal skills
• Excellent sales and marketing skills
• In depth knowledge of commercial banking products.
• Sharia Foundations & principles of Islamic finance will be an added advantage.