About the Role
You will manage a set of existing Small Enterprise (SE) relationships and originate new SE relationships within business communities around branch locations. The goal is to achieve assigned financial and non-financial objectives by addressing the borrowing and non-borrowing needs of customers in targeted segments such as borrowers, transactors, and depositors. The role involves actively sourcing new-to-bank customers, generating business leads from walk-in customers, and managing all aspects of customer relationships with a focus on relationship management, up-selling, deep-selling, and cross-selling various bank products. Additionally, you will be responsible for the quality and soundness of the assigned SE portfolio, ensuring compliance with KYC and anti-money laundering procedures.
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Responsibilities
- Improve share of wallet and aim to be the primary bank for each relationship in the assigned portfolio, enhancing relationship revenue from existing borrowing and non-borrowing accounts through comprehensive cross-selling of banking products.
- Assume complete ownership of customer relationship management for the assigned portfolio of accounts, providing superior customer service.
- Conduct annual and periodic credit facility reviews in the existing portfolio in a timely manner, recommending appropriate credit facilities in line with the bank's credit policy to maximize earnings while containing risks and identifying candidates for downgrades or upgrades.
- Follow up and monitor assigned relationships to ensure satisfactory account conduct and prompt rectification of various credit-related issues.
- Implement and maintain complete control aspects such as documentation, periodic client visits/call reports, stock inspections, and formal credit checks/informal market feedback to effectively monitor the assigned portfolio.
- Maintain acceptable portfolio quality.
- Screen the market for new-to-bank opportunities.
- Liaise between internal and external advisors to ensure precision of agreements.
- Develop the on-the-job learning curve of SSO to enable professional growth and prepare them for higher levels of responsibility.
- Collaborate with superiors and direct reports within business units, Risk Management, and related enabling units to achieve business objectives.
- Achieve assigned financial and non-financial targets.
- Adhere to all compliance and regulatory policies regarding KYC and AML as established by the bank.
- Update the branch manager and regional SE manager regularly to enhance controls on sales and relationship management.
- Regularly upgrade existing SE customers to the ME segment by offering need-based solutions according to clients' profiles and requirements.
Qualifications
- Banking sales and service experience with proven relationship management qualities.
- Advanced vocational knowledge in relevant subjects (e.g., Credit, Trade, Operating system, Legal).
- Excellent communication and negotiation skills.
- At least 4 years of relevant banking experience in either local or international markets.
- An MBA/CA is preferred, or if a regular graduate, adequate relevant experience is required.
- A positive attitude, strong work ethic, and ability to work well in a team.
