Relationship Manager – SME (Micro-Financial Institution) X 02

Job description

Description:

Job Purpose

The SME Banking Relationship Manager will primarily responsible for business development, servicing and managing SME customer relationships through one-on-one engagement, identifying client needs and providing them with the appropriate bank products, services and solutions. Build and manage SME and Micro SME clients so as to ensure optimum customer acquisition, loan and deposit growth, retention and income generation. Generate Revenue Pools for the Bank through SME sales, leading to fee-based income, interest income and & growing deposits.

Proactively identify cross-sell opportunities within own portfolio of customers to maximize life cycle opportunities. Be guided by the segment value proposition and sales targets as to what the priority products are both from a bank and customer perspective.

Summary of Key Responsibilities:

Manage the development of prudently risk assets, deposits, increase the customer base to ensure Bank`s maximum profitability. Conduct a needs analysis with all new and existing customers to ensure that product opportunities identified are appropriate to meet the customer’s needs and priorities.
Identify and develop a target pipeline and aggressively market for new profitable status customers from the identified target sectors,
Manage key customer relationships through regular contacts and visits by ensuring the effective call program is maintained on all assigned and prospect customers
Ensure compliance to Know Your Customer (KYC) and Anti Money Laundering (AML) requirements in all dealings with existing and potential customers,
Proactively manage the portfolio to maximize revenue for the Bank (referring to fees, margins and sales), minimize costs and risks, whilst maintaining and entrenching the customer’s relationship with the Bank appropriately.
Ensure that the Customer is central to the entire life cycle approach of maximizing sustainable value adds to both the Customer and the Bank.
Establish, build and strengthen one-on-one relationships with customers, based on mutual respect, to retain customers and gain word-of-mouth referrals.
Ensure that customers are appropriately educated regarding the value of using self-service channels (Internet Banking, ATMs & Mobile Banking) to empower SME customers and minimize adhoc service requests. Assist with migration facilitation the migration of customers to self-service channels where appropriate.
Establish quality profit earning customer relationship within the target market.
Manage credit and operational risks in accordance with laid down policies and procedures.
Ensure SME Portfolio accountability, Monitoring and Quality of assets is enhanced from origination and after disbursement

Required Skills and Competencies 

Excellent verbal and written communication skills
Sound sales and project management skills
Good presentation skills
Excellent analytical skills
Sound customer service skills
Excellent interpersonal skills
Excellent negotiating skills
Good leadership skills
Excellent engagement skills
Primary Areas of Accountability:

Qualifications and Experience:

Bachelor’s Degree in Agriculture, Banking, Business or related field
Must have a minimum of 5+ years proven experience in SME relationship management, sales, or business development in the financial services sector.
Must have knowledge of SME banking products and policies 
Knowledge of local market environment and financial issues that may impact portfolio.
Proven working knowledge of bank systems.
Thorough understanding of credit principles as well as application and maintenance processes.
Strong sales, customer service and relationship management experience
Proven understanding of the SME sector, including the digital tools and technologies that can drive growth and transformation.
Must be a member of a relevant professional body

QUALIFIED & EXPERIENCED FEMALES ARE ENCOURAGED TO APPLY FOR THIS POSITION

If you meet the hiring requirements for the position, please email your CV in MS Word and Cover Letter clearly stating your salary expectations to: jobs@bemconsult.com & Cc bemconsult8@gmail.com   

Note that, all communications will be kept in the strictest of confidence. If you do not receive communication within 21 working days of the closing date of the advert, please consider your application unsuccessful. 

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