Relationship Manager-SME

Job Purpose

To develop and maintain relationships with SME clients and grow bank revenue by identifying cross-selling opportunities while ensuring clients’ financial needs and goals are effectively met.

Key Responsibilities

Business Growth

• Acquire profitable SME clients to meet sales targets in liabilities and assets
• Grow and maintain a clean customer database and track performance through regular reports
• Drive deposit growth and ensure loan accounts are funded
• Manage assigned credit portfolio and monitor credit quality
• Review and assess credit applications in line with bank policies
• Follow up with valuers and insurance agents
• Prepare memos for excesses, amendments, and exceptions

Relationship Management

• Analyze clients’ financial health and recommend tailored financial solutions
• Ensure compliance with bank policies while meeting customer expectations
• Monitor market trends and provide insights for product development
• Maintain and grow a strong customer and prospect database
• Conduct client visits to identify lending opportunities
• Maximize opportunities within the existing portfolio

Product and Service Offerings

• Market the bank’s products across various sectors
• Identify and execute cross-selling opportunities within the client ecosystem

Credit Analysis and Risk Assessment

• Review and recommend credit applications
• Monitor credit portfolio performance and quality
• Evaluate client creditworthiness through financial analysis and risk assessment
• Initiate and manage recovery actions for non-performing loans

Educational Requirements

• Bachelor’s degree in Finance, Business, Accounting, Commerce, or related field
• Master’s degree is an added advantage
• Professional qualifications such as CIMA, CFA, ACCA, or CPA are an added advantage

Work Experience

• Minimum of 4 years’ experience in a commercial environment
• At least 2 years as a Relationship Manager

Key Competencies and Skills

• Leadership and decision-making skills
• Strong problem-solving ability
• Analytical skills and attention to detail
• Excellent communication and interpersonal skills
• Client relationship management
• Product knowledge
• Business development skills

Application Deadline

• Friday, 8 May 2025 at 5:00 PM

Only shortlisted candidates will be contacted.