Manager SME

Job Purpose:To drive the growth, profitability, and retention of the Small and Medium-Sized Enterprises (SMEs)
portfolio by acquiring new business and managing key relationships and offering tailored financial
solutions.

Key Result Areas:

• Lead the execution of the SME banking Strategy to meet targets for asset portfolio, Deposits, number
of customers and revenue while ensuring good risk management.
• Client Relationship Management-enforce regular customer visits and financial health checks to
understand clients’ business needs and provide advisory support.
• Manage and nurture a portfolio of high SME value clients, ensuring high customer satisfaction and
retention.
• Oversee the SME lending process, ensuring that loan packages are properly filed with appropriate
signatures, disclosures, credit authority, and supporting documentation.
• Review and update the SME Customer Value Propositions in line with the changing customer needs.
• Reviews SME loan procedures on a routine basis and recommends any necessary updates or revisions.
• Prepare and authorise necessary lending documentation, including settlement sheets, vouchers, and
general ledger entries.
• Conduct regular sales meetings to address goals and progress to date and drive productivity among
staff.
• Market analysis – Monitor competition trends and guide the bank on opportunities and possible risks.
Financial Responsibility:
• Responsible for delivering the SME lending business & financial targets drive proper product mix.
• Responsible for controlling costs within the agreed budget.
Person Specification

Education & Training:

• A Business Degree in Finance, Commerce, Business Administration, Economics, Statistics,
Management or any relevant field.
• Possession of a Certified banking qualification or Master’s Degree in a relevant field would be an
added advantage.
Skills & Experience:
• Critical thinking, analytical, attention to detail and problem-solving skills.
• Good verbal and written communication skills.
• A minimum of 7 years’ experience in a Banking environment with at least 3 years in the relationship
management function and sales function.
• Business Development Skills, Customer service skills, Relationship/People Management Skills,Negotiation Skills, Leadership skills, Marketing, Selling and Strong Credit analysis skills