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