Job Description
To grow a high quality SME client portfolio both in cheap and stable deposits and loans and manage all client relationships to ensure world class customer service and maximum returns.
3. KEY MEASURABLE GOALS
Growth in number of clients through cheap and stable deposits and SME loans Growth in Outstanding SME loan book Quality of the SME Loan Portfolio Timely loan processing and disbursement Transaction Income and deposits from SME clients as well as value chain management Cross-selling of Bancassurance products
4. KEY RESPONSIBILITIES
Lead generation and conversion to business (Loans, Fixed Deposits, business accounts etc.)
To champion SME product in the Branches
Client retention through world class customer service
Relationship Management of existing SME clients
Account utilization by all SME clients
Proper KYC vetting of clients using supporting documents and SME appraisal tools
Proper loan appraisals measured by approval success rate
Ensuring every application is approved by the authorized signatories
Documentation and integrity
Compliance to Credit Policy, Compliance and audit standards together with company policies and procedures
Dissemination of information to prospective clients about Faulu
Products and service awareness
Ensuring clients understand our operations policy with regard to accessing our services and products
Periodic SME training to the branch staff to enhance awareness and cross selling
Ensuring account utilization -all business proceeds to be banked through Faulu
Relationship management – scheduled and adhoc client visits, calls, etc.
On time loan repayment and follow ups
Understanding the underlying causes of default and take remedial actions as per credit policy
Attain PAR targets
Networking with SME Business Forums, events, etc.
Stakeholder relationship management; local administration, dealers, etc.
Monitor, on a continuous basis, all transitions to ensure that unusual and suspicious transactions are reported to the Money Laundering Reporting Officer (MLRO)
Obtain, verify and maintain proper identification of customers wishing to make transactions whether directly or through proxy.
Adhere to all the due diligence measures when conducting transactions as enshrined in the Bank’s AML, KYC & CFT policies, procedures and guidelines
Education
Bachelor’s degree in a Business-related field
Desirable
Diploma in sales and marketing
Knowledge and Skills
SME Credit analysis, credit management and marketing/Relationship Management
Experience
At least 2-year related experience
Personal Attributes
Good communication and interpersonal skills.
Excellent problem solving and decision-making skills.
Team player and quick thinker
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