The Relationship Manager, SME is responsible for achieving business growth for the Bank by selling SME Unit products within assigned market segments. The RM will be required to manage a portfolio of SME customers, meet growth targets in Assets and Liabilities as well as revenues.

·       To build and maintain productive and strategic relations with customers/ line manager/ stakeholders to drive the development and delivery of business solutions and revenue growth for the assigned sectors

·       Build existing and win new long-term customer relationships

·       Keep abreast of external factors influencing business e.g. economic, procedural and regulatory requirements

·       Ensure timely and accurate maintenance of customer and deal pipeline information as required Monitor relationship performance regularly to ensure that the return is commensurate with the type of customer.

·       Take timely and proactive corrective action to mitigate potential losses, exercising effective portfolio stewardship and control.

·       Ensure strong cross-selling of existing and new products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the bank

·       Filing concise, but informative, call reports after customer visits (these should specify topics discussed, customer needs/ feedback, potential product needs, next steps, credit-relevant information etc.).

·       Build a high-quality client portfolio by effectively managing clients across the entire credit cycle. Grow the bank’s liabilities, assets and non-funded income (NFI) in the SME banking sector, meeting set targets.

·       Prepare and submit the branch periodic SME Business growth Plan.

·       Promote active utilization of the bank’s Credit and Treasury facilities to existing and potential clients.

·       Conduct consistent monitoring to prevent defaults on client’s payment, alterations in the client’s business, and to be aware of forthcoming client’s financial needs

·       Continuously scan the environment to identify fresh business opportunities and play an active role in product development relevant to the SME Banking sector.

·       Evaluate credit proposals and ensure the credit applications are processed on a timely basis within the bank’s set turnaround times.

·       Ensure continuous improvement in customer service and implement effective retention of customers within the SME banking framework.

·       Relevant post graduate professional qualification AKIB will be an added advantage

·       Proven experience of at least 2 years in a similar position (relationship management, business banker)

·       Possess good Credit Appraisal Techniques and Report writing skills

Job specific competencies

·       Emotional Intelligence; Dynamic, individual with the ability to work under pressure. Excellent selling skills

·       Strong networking skills, for both internal and external networks

·       A passion for performance, teamwork, and achievement in a competitive and dynamic environment Hardworking, strategically minded individual with excellent self-leadership, organizational, and planning skills

·       Commercial awareness with good analytical skills.

Core Competencies required for the position

·       Customer focus- Ability to manage relationships through interpersonal skills

·       Personal development- Ability to acquire and apply new knowledge relevant to the role, keep abreast of policies, procedures and guidelines relating to the role

·       Team management- Demonstrate a positive approach to teamwork by sharing information and contributing to team effort

• Performance management- Ability to set stretched targets and impose a high personal standard Attention to detail – Ability to capture information accurately Cl Communication- Ability to communicate clearly and concisely