About the Role
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This position focuses on managing and growing a set of Small Enterprise (SE) relationships while originating new partnerships within business communities. The goal is to achieve assigned financial and non-financial objectives by fulfilling all borrowing and non-borrowing needs of customers in target segments, which include borrowers, transactors, and depositors.
You will actively source new-to-bank customers and generate business from walk-in clients, ensuring comprehensive relationship management by engaging in up-selling, deep-selling, and cross-selling a diverse range of bank products.
Responsibilities
- Improve share of wallet and aim to be the primary bank for each relationship in the assigned portfolio, enhancing revenue through cross-selling banking products.
- Assume complete ownership of customer relationship management for the assigned portfolio of accounts, providing superior customer service.
- Conduct annual or periodic credit facility reviews for the existing portfolio in a timely manner, recommending appropriate credit facilities that align with the bank's credit policy to maximize earnings while managing risks effectively, and identifying candidates for downgrades or upgrades.
- Follow up and monitor assigned relationships to ensure satisfactory account conduct and facilitate early rectification of various credit-related issues.
- Implement and maintain comprehensive control aspects, including documentation, periodic client visits, call reports, stock inspections, and formal credit checks or informal market feedback to monitor the assigned portfolio effectively.
- Maintain acceptable portfolio quality.
- Screen the market for new-to-bank opportunities.
- Liaise between internal and external advisors to ensure precision in agreements.
- Collaborate with superiors and direct reports within the business units, Risk Management, and related enabler units to achieve business objectives.
- Achieve assigned financial and non-financial targets.
- Adhere to all compliance and regulatory policies regarding KYC/AML as stipulated by the bank.
- Regularly update the branch manager and regional SE manager for enhanced controls on sales and relationship management.
Qualifications
- Proven experience in Banking Sales and Service with strong relationship management skills.
- Requires advanced vocational knowledge of relevant subjects like Credit, Trade, and Operating systems.
- Excellent communication and negotiation skills.
- A minimum of 3 years of relevant banking experience in either local or international markets.
- An MBA or CA is preferred, though regular graduates with adequate relevant experience are also considered.
- A positive attitude, strong work ethic, and the ability to work well within a team.
