Relationship Manager SME at CRDB Bank

Job Purpose

Recruitment of SME customers, Deposit Mobilization, Growth of quality assets and Cross selling of other bank products at a respective zone while maintaining business relationship with existing and new customers in accordance with Bank’s strategic focus.

Main Responsibilities

Business growth

Growing Loan Portfolio

• Engage potential SME customers on daily basis with intention of Identify and negotiate business opportunities in order to recruit customers in line with business targets.
• Track sale leads and pipelines to ensure maturity.
• Explore opportunities in the zone and devising strategies for benefits realization.
• Facilitate processing of SME application as per committed TAT.
• Assist branches to develop and monitor strategic plans i.e target market, sectors and expectations based on local market survey and customer feedback.
• Communicate and review AMs -SME portfolio performance at branch and devise remedial measures for any deviation from the target.
• Cross selling of all bank products and services to SME Customers.

Deposit mobilization

• Engage potential SME customers to secure deposit.
• Support branches to solicit deposits from SME customers to meet Bank’s deposit targets.
• Come up with initiatives to support deposit mobilization strategy.

Portfolio Quality Management

• Overall monitoring of SME portfolio quality as per monitoring guideline to ensure attainment of set parameters.
• Track delinquent collection to contain of NPL migration.
• Share collection update with respectively Business Banking Managers on weekly and monthly basis.
• Preparation and submission of periodic zonal reports as may be required by management.

Relationship management

• Develop and maintain business relationship with existing and potential customers on behalf of the bank. Act as bank’s key contact person to SME customers.
• Facilitate establishment and maintenance of active SME business clubs.
• Initiate and conduct customer engagements in order to retain them and enhance loyalty.

Attributes

• Comprehensive knowledge in SME lending and SME loan cycle management.
• Adequate experience in Credit underwriting.
• Excellent sells interpersonal and networking skills. Ability to communicate and interact effectively with various external stakeholders.
• Ability to organize and conduct stakeholder’s engagements.
• A detailed understanding of banking industry regulation requirements.
• Persuasion and negotiation skills.
• Excellent Presentation and Training skills.

Qualifications and Experience.

• Bachelor Degree in Business, Accountancy, Economy, Finance or any other related field.
• Ability to keep abreast of industry changes in SME environments.
• Minimum of 5 years experience in SME lending.

Deadline- 10th May 2021

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